vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Balance : {$8000.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$970.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$240.00} - Date Opened XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623, as a verified victim of identity theft. I have repeatedly submitted documentation and supporting evidence, including my XXXX Police Report, regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions, these accounts or their related information continue to appear or remain unblocked in my file.

The following fraudulent accounts must be permanently blocked and deleted from my credit file, and any future reinsertion of these or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX All of these accounts were opened by an unknown party using my stolen identity, as confirmed in the FTC Identity Theft Report and the XXXX XXXX Police Department report . I never authorized or consented to these credit applications.

I demand that under FCRA 605B ( b ) you : Permanently block all information related to the fraudulent accounts listed above ; Delete any and all existing records, inquiries, or derivative data connected to these accounts ; Ensure future suppression, preventing these or related accounts from ever reappearing in my credit report ; Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice ; Notify all furnishers involved that the information has been identified as fraudulent and must not be re-reported under 623 ( a ) ( 6 ) ( B ).

This request also extends to any fraudulent accounts or information not currently visible in my credit file but explicitly mentioned in my FTC or police reports those must be preemptively blocked to prevent reappearance.

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ), exposing your agency to statutory damages, attorney fees, and civil liability under 15 U.S.C. 1681n and 1681o.

Please confirm in writing that all fraudulent accounts and related information have been permanently removed and blocked from future reporting.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$230.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I was forced to spend money on XXXX through PayPal. A total of ten transactions totaling over {$2900.00}. I found this to be another scam connected to the company and filed a dispute to get my money refunded. PayPal promised me on XX/XX/year> that if I filed a IC3 report then I will be refunded. I told PayPal that I was receiving death threats, and being intimidated into silence. I was laughed at by PayPal employees. I was then promised on XX/XX/year> that if I go to the police station and file a police report I will be refunded. I told PayPal that because of past attacks and assaults by this company I was in fear of my life to work with authorities. I was told by PayPal this was the only way to get my money back. I went to the police station as guided by PayPal on XX/XX/year> and began the initial process. That following night a stranger began sleeping in my parking lot every night. On XX/XX/year> I went back to the police station and was almost locked into a mental institution due to concerns of XXXX, I was cleared by a medical professional and was treated for having a XXXX XXXX XXXX. I was laughed at by PayPal employees when I told them I had been insulted in the past. I was also hung up on. On XX/XX/year> I went to the police station and was told that in order to get my money back I would have to provide written statements against XXXX XXXX. I did do and on XX/XX/year> I was lured by a member from XXXX and told to shut up. When I refused to agree to do so I was then physically assaulted and XXXX XXXX, and almost XXXX. I was promised by XXXX a refund. I was guaranteed a refund by XXXX on XX/XX/year> I was also promised my money will be in my account on XX/XX/year> by XXXX on XX/XX/year>. I was promised a call back on that day as well and never received a call back. I was laughed at by XXXX. I was told by the police department not to contact meet me group under no conditions even if PayPal advises me to. I let PayPal know on XX/XX/year> that I was XXXX  by the company and was told to send proof in which I did. On XX/XX/year> by PayPal to reach out to the company again. PayPal has put me and my family in danger. PayPal has laughed at me, mocked me and disrespected me numerous of times. PayPal has no concern for my safety. They showed no respect and lacked professionalism. Then woman laughed at me and the PayPal men has asked me for my personal number twice acting as if it was to help with my disputes. Ive had to change my number and email twice since this has happened. I demand my refund that I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any errors in reporting are both unfair and unlawful.

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 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Ive been getting a huge credit hit from a place called commenity bank saying about a XXXX XXXX  credit card is over due which I have no recognition of applying for it and its ruined my credit its passed due over XXXX $ Ive contacted them by phone and they said that I have to pay them the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Under 15 USC 1681c-2 ( a ), immediate removal of any inaccurate/fraudulent accounts that are found to be opened or accessed as a result of a data breach must be blocked within XXXX ( XXXX ) business days of the dispute being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-01 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: CA

Complaint narrative:
I am filing this formal complaint against EXPERIAN for failure to properly report, investigate, and correct inaccurate account information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Regulation V, and CFPB reporting standards. Despite prior dispute attempts and notice of inaccuracies, EXPERIAN continues to report false, misleading, and unverifiable data, causing financial and reputational harm. 

The following accounts are reporting inaccurate late payments, charge-offs, and derogatory data that do not reflect factual payment history, contractual terms, or furnisher-verified documentation : Creditor Account Number Open Date Issue XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate late payment reporting XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate 30-day late payment reporting XXXX XXXX  XXXX XX/XX/XXXX Inaccurate charge-off reporting XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate charge-off reporting XXXX XXXX Inaccurate late payment reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate charge-off reporting These entries fail to meet FCRA Accuracy Requirements under : FCRA 602 ( A ) Consumer right to fair and accurate credit reporting FCRA 607 ( b ) Duty to assure maximum possible accuracy FCRA 611 ( a ) Failure to conduct a lawful reinvestigation FCRA 611 ( a ) ( 5 ) Duty to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers reporting information they know or should know is inaccurate EXPERIAN has not provided : Original source documents validating the alleged delinquencies Proof notices were sent by furnishers before reporting derogatory info ( required by law ) Metro 2 e-OSCAR compliance audit trail Proper reinvestigation results as required by FCRA 611 ( a ) Instead, Experian allowed the furnishers to verify without producing verifiable records violating federal law. 

This inaccurate reporting has caused : Denial of credit opportunities Increased interest rates Emotional distress and undue financial hardship

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 2025-11-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRY : XXXX XXXXXX/XX/year>

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 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Since school ended with XXXX in XXXX  I have been in deferment or forbearance turning in the necessary documents. I sought a higher paying job BUT unfortunately UNLESS I move from my County will be next to impossible. Since last year I have been told that no documents were received from me whatsoever. IF you check my account you will see ALL the paper work was accounted for until last year. I do NOT have the funds to repay unless someone will hire me making XXXX to XXXX grand a year. The cost of living has trippled. Insurance gone up and food increased. Why now are my documents missing??? Please check my history!!!!!! Please!!! My score was already XXXX now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple accounts on my credit report that contain inaccurate, inconsistent, and unverifiable information. Despite my timely submission, I have not received any results or explanations from the credit bureau regarding these disputed items. The accounts in question include XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$580.00} ; XXXX, account ending in XXXX with a reported balance of {$1900.00} ; XXXX  XXXX, account ending in XXXX with a reported balance of {$1300.00} and listed original creditor XXXX XXXX ; and XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$590.00} and listed original creditor XXXX XXXX XXXX XXXXXXXX. The continued reporting of these accounts with inaccurate balances or unverifiable information constitutes a failure to comply with the reinvestigation requirements under FCRA 611.

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 2025-11-01 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple accounts on my credit report that contain inaccurate, inconsistent, and unverifiable information. Despite my timely submission, I have not received any results or explanations from the credit bureau regarding these disputed items. The accounts in question include XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$580.00} ; XXXX, account ending in XXXX with a reported balance of {$1900.00} ; XXXX  XXXX, account ending in XXXX with a reported balance of {$1300.00} and listed original creditor XXXX XXXX ; and XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$590.00} and listed original creditor XXXX XXXX XXXX XXXXXXXX. The continued reporting of these accounts with inaccurate balances or unverifiable information constitutes a failure to comply with the reinvestigation requirements under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing certain collection accounts on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, removed from my 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 2025-11-01 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: EQUIFAX, INC.
State: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I never signed an agreement or authorizing this account, this account causing me damages to my credit.

Company response to consumer: Closed with explanation