vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I definitely disagree with the account listed below which still appears on my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National credit systems inXXXX Is charging me a balance of XXXX for a identity theft it has effected my credit and drop my credit down I don't have knowledge of this debt that was made is telling me that I lived in another state city when I been employed in XXXX XXXX California my whole life I can proof I been employed here my who life and live here my whole life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent {$4000.00} ( Transaction ID XXXX ) through PayPal to a friend, XXXX XXXX. The instant transfer is a loan from PayPal until they can access my bank account. My transaction was completed but XXXX XXXX ' transaction ( from PayPal to his account at XXXX XXXX ) was not. He did not receive the {$4000.00}. PayPal would only tell me that my transaction went through and I was liable for repaying the {$4000.00} which was taken from my XXXX checking account on XX/XX/XXXX. I'd like to know what happened during the original transaction and be repaid my {$4000.00}. On XX/XX/XXXX, I send XXXX XXXX {$4000.00} by transferring the funds directly to PayPal then to him. So he has the {$4000.00}. I'm out {$4000.00} from the original transaction. Please help me before the 6 month deadline runs out on my efforts.,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I noticed that my credit score had dropped by over XXXX points, and an account on my credit report was listed as having a delinquent payment. I spoke with my credit union, and was notified that the payment had been reported as late, but the credit union had made a mistake, because they had never notified me about it. I made the payment with them, and was told that it would be " fixed '', and they would send an update to all three credit bureaus ( Experian, XXXX, XXXX ). Twice now my score has rebounded, and the report was briefly removed, but appears to be resurfacing. I have a lengthy email conversation with my credit union where they have very clearly acknowledged that they do no consider my payment late, and that they " reapplied it to XXXX '' so that there would technically be no late payment at all on my record. I do not know what to do at this point, and I feel like I am stuck in limbo between the credit bureaus and my credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2025 i received a notification about a credit card inquiry on my credit from capital one, i have not requested any credit card at all from them or anybody, this was not me and its wrong the inquiry was CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
How can a clear inaccuracy on a consumer report be verified? Experian believes that I have been late however both XXXX and XXXX show no record of me being late on the account. My records do NOT indicate that I was ever late. See attached. I demand verifiable proof that I was ever late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to urgently bring to your attention the dire situation I have been enduring for over a year due to persistent inaccuracies on my credit report, stemming from the Equifax data breach. Despite my tireless efforts to rectify these errors, I have encountered continuous resistance and indifference from Equifax, exacerbating my financial distress and emotional turmoil.The Equifax data breach exposed my sensitive personal information, leaving me vulnerable to identity theft and fraudulent activity. In the aftermath of this breach, I have diligently sought to restore the integrity of my credit report and safeguard my financial well-being. However, my attempts to address these issues with XXXX have been met with systemic failure and bureaucratic inertia.Specifically, I have been relentlessly pursuing the removal of fraudulent inquiries and collection accounts erroneously attributed to me for over a year. The following inaccuracies are particularly egregious examples of XXXX 's negligence : Inquiries : Automotive : ( XXXX ) XXXX - XXXX XXXX  ( Inquiry : XXXX. XXXX, XXXX ) XXXX XXXX : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX. XXXX, XXXX ) Finance/Personal : ( XXXX ) XXXX - XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ) Bank : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX XXXX, XXXX ) Collection Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX {$860.00} {$1000.00} {$8300.00} {$670.00} $ XXXX providing extensive documentation and evidence to support my claims, XXXX has failed to take meaningful action to rectify these egregious errors. As a result, I continue to suffer severe financial hardship and endure relentless harassment from debt collectors, undermining my ability to secure housing, employment, and essential services.This prolonged ordeal has taken a significant toll on my mental and emotional well-being, as I grapple with the relentless stress and anxiety caused by the uncertainty of my financial future. It is unconscionable that I have been forced to endure such injustice and hardship for an extended period due to XXXX 's negligence and disregard for consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I did not authorize ANY CHARGES to the BEST BUY account in question. This is purely fraud and theft by BEST BUY and XXXX XXXXXXXX XXXX XXXX XXXX  DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact BEST BUY and XXXX XXXX  several times to request written proof of this authorization, but they have failed to comply with this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing to address a matter regarding the discharge of a debt associated with an account with TOYOTA MOTOR CREDIT CORP. In XXXX, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by myself and by TOYOTA MOTOR CREDIT CORP, following immediate processing and approval. Given the legal acknowledgment of this debt discharge, it is imperative that TOYOTA MOTOR CREDIT CORP takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that TOYOTA MOTOR CREDIT CORP promptly rectify this situation by updating the account status. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from TOYOTA MOTOR CREDIT CORP to ensure compliance with legal obligations and the preservation of my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is inaccurate however these consumer reporting agencies " verified '' it. I demand to know the procedures they took to verify this inaccuracy. I got proof of its inaccuracy. See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I tried calling to get my GM XXXX online account locked and it started with a computer hanging up on me twice before I finally got sent to a customer service representative. The representative kept calling me as XXXX and referring to me with male pronouns despite me telling them it is she/her pronouns and the correct spelling of my name as they need this to access my account. When the agent tried telling me I need to calm down I told her she needs to use the correct pronouns and use my correct name. She then put me on hold. A couple minutes later they called back saying they can not do anything and hung up. All I want is access to my online account. I can not access it when they are doing nothing but making insults to me because they chose to be prejudice against XXXX women!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief