vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX  {$1700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX- {$2700.00} ( I noticed this account XX/XX/year> ) XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX  {$1200.00} I reached out to all these accounts and made them aware that I was a victim of ID theft as well as a major data breach from XXXX  and XXXX. I asked them to verfiy my true informaiton and the orginal account documents and signture to verify the accoutn belong to me and they could not ; I made them aware of the identity theft and asked them to remove from my credit report via certified letter and never got a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Late Payment has shown up on my credit report inaccurately. I have listed the account below that needs to be investigated, disputed and deleted. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND XX/XX/XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This debt is being reported by XXXX XXXX as opened on XX/XX/XXXX, with a past due balance of {$1300.00} as of XX/XX/XXXX. However, this is a medical debt that originated in XXXX and has been sold to multiple collection agencies over time. Each time, the new collector reports a more recent open date, which falsely re-ages the account and misrepresents it as a new delinquency.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 605 ( c ), which requires that the original delinquency date from the original creditor be used. The current reporting artificially extends the time this account can appear on my credit report and is negatively impacting my score by making it appear as a new collection when it is not. 

I am requesting full removal of this account from my credit report due to re-aging, inaccurate reporting, and failure to comply with FCRA guidelines. This is part of an ongoing pattern where the same {$1300.00} debt has been passed between agencies and re-reported using false timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. My credit card was used without my consent ( cyberattack ).

2. CITICARD said they would send me dispute paperwork. They never did.

3. It took 7 MONTHS for them to accept the fact my card was used fraudulently ; I inquired with company where said purchase was made online. Said company sent me documentation that they were convinced it was FRAUD, so they reimbursed my CITICARD 10 days after purchase. CITICARD CONTINUED to send me statements to COLLECT MONEY that truly was not owed.

4. I recently received a letter from CITI stating they were erroneous with the fraudulent charge. However, CITI is charging me INTEREST on a fraudulent charge -- -it states on my credit report.

5. Today, XX/XX/year>, I called CITI and spoke to XXXX - badge # XXXX she could not help me, was transferred to XXXX - badge # XXXX, she could not help me; transferred me to someone else who would not spell her name nor give a badge number. 
6. Today, XX/XX/year>, I called CITI SECURITY OPERATIONS ( FRAUD DEPARTMENT ) and spoke to XXXX - refused to give me any ID # ; she told me my account was " archived '' and there is no record of me on file, even though I gave her my name, my new card number, and my address. REFUSED TO HELP ME.

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 monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
To Whom It May Concern ( if you're writing a formal letter ) or simply starting with : " I am writing to dispute an incorrect default status on my credit report related to a furniture purchase from XXXX XXXX XXXX  in XXXX. '' Here 's a clear timeline and explanation of what happened : * Purchase Date : XX/XX/XXXX * Store : XXXX XXXX XXXX * Agreement : I entered into a lease agreement with Acima ( Acima Credit Approval Notice for Lease # XXXX ) for a purchase amount of {$900.00}. 
* Non-Delivery : The furniture I purchased was never delivered to me. 
* Communication with XXXX XXXX : I contacted the manager of XXXX XXXXXXXX XXXX regarding the non-delivery. 
* Lack of Proof of Delivery : The manager of XXXX XXXXXXXX XXXX was unable to provide any proof that the furniture was ever delivered to me. 
* Agreement to Close Account : Following this, I received confirmation that the account with Acima would be closed, and I would be in good standing. 
* Incorrect Default Status : Despite this agreement, when I recently applied for financing in XXXX, a representative informed me that my application was denied due to a default on the XXXX Acima loan. 
* Communication with Acima ( XXXX ) : In XXXX, I spoke with a supervisor at Acima named XXXX, who stated that Acima refused to reverse the information and insisted I have defaulted on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. Equifax Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - xxxxxxxx XXXX Experian Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name - XXXX XXXX XXXX XXXX XXXX * * * * Equifax and Experian is reporting that the account is PAID while XXXX  has DELETED the account. Equifax and Experian is reporting that the account was opened on XX/XX/XXXX while XXXX  has DELETED the account. Equifax is reporting a high credit balance of {$7000.00} while XXXX  DELETED the account and Experian is reporting {$8800.00}. XXXX  has DELETED the account, Equifax is reporting the status of the account as current while Experian is reporting the status as late 180 DAYS. Equifax is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX  has DELETED the account. This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and Transunion has DELETED the account. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

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 2025-04-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted PayPal Customer Service to resolve issues with my locked accounts. During this process, I was subjected to a scam that resulted in the unauthorized, inappropriate, and fraudulent withdrawal of {$6500.00} from my business and personal bank accounts. I was not aware of or familiar with this gift card purchase scam at the time. Nonetheless, given that this incident occurred as a direct consequence of attempting to resolve account issues through PayPals official channels, PayPal is responsible for failing to provide adequate safeguards against such fraudulent activities. I primarily spoke with XXXX XXXX, who represented himself as a PayPal Customer Service XXXX for XXXX years. When I started questioning the instructions he was insisting that I follow, he even gave me his name and phone number ( XXXX XXXX, XXXX ) to save in my cell phone contacts and to convince me that he was a legitimate PayPal Customer Service representative. When I looked at my bank account some of the money fraudulently taken from me was sent to someone named XXXX XXXX and XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. Under the Electronic Fund Transfer Act ( EFTA ) and other applicable consumer protection laws, PayPal is obligated to protect its users from unauthorized transactions and fraudulent activity. PayPals failure to uphold these obligations in this instance is unacceptable. I have sent demand letters to the Paypal Dispute Resolution Team, CEO, and General Counsel, but I've received no response at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried on several attempts to send TransUnion documentation related to my disputes. I have opened a dispute 4 times and TransUnion claims that they never receive the disputes I keep initiating online, although I continuously upload them online over and over again. They also claim they have not received my documentation which I have uploaded 4 times. TransUnion needs to fix this issue so that consumers are able to properly address errors on their credit reports. I spoke with a representative in the XXXX XXXX Department on XX/XX/XXXX, XXXX and was told that they could use my FTC report number due to their negligence and ineffective online system that they receive complaints about daily. The accounts that need to be removed from my credit reports immediately are XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against the student loan servicing companies Aidvantage and XXXX regarding a suspected and highly plausible violation of my personal and educational data privacy rights. I believe my sensitive informationsubmitted through the federal student aid system and managed by these servicersmay have been accessed, disclosed, or mishandled without my consent, in violation of multiple federal laws. 

Specifically, I suspect violations of : FERPA ( Family Educational Rights and Privacy Act ), which protects the confidentiality of my education records ; The Privacy Act of 1974, which restricts federal agencies from disclosing personal information without authorization ; The Higher Education Act, which limits the use of FAFSA data solely to administering aid. 

These suspicions are based on widespread reports of unauthorized access to federal student aid data ( e.g., the Department of Educations DOGE program and past servicer data breaches involving millions of borrowers ). While I have not been officially notified, the scale and nature of these privacy lapses make it entirely plausible that my information was compromised. I never gave written consent for my personal data to be shared with third parties for any purpose beyond the direct servicing of my loan.

As a result, I am requesting that the CFPB investigate this matter and support my demand for the full discharge of my federal student loans, as my privacy rights have been severely violated.

Company response to consumer: Closed with explanation