vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Reinserted Information Without Required Notification Violation of FCRA 1681i ( a ) ( 5 ) ( B ) Dear Equifax , I am writing to formally dispute the reinsertion of information into my credit report without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Specifically, the following item was previously removed from my credit report but has since been reinserted : DEPTEDXXXX Date of Original Deletion : XXXX Date of Reinsertion : XXXX XXXX According to the FCRA, if any information is reinserted into a consumers credit file after being deleted as a result of a dispute, the consumer must be notified in writing within five business days. I did not receive any such notification, and therefore, this reinsertion appears to be unlawful. 

I demand that this item be immediately removed from my credit report unless you can provide written evidence that : XXXX. The source of the information has certified its accuracy, and XXXX. I was notified of the reinsertion within the legally required time frame. 

Please consider this a formal dispute and investigate this matter immediately. I am also requesting a complete reinvestigation of the reinserted item. 

I have enclosed a copy of my Driver 's License, along with my social security card. also copies of credit report from Equifax showing PAID and CLOSED highlighted areas XXXX but it's reporting I opened the account XX/XX/scrub>XXXX  how is it possible I opened, and paid and closed account the same date? and I the consumer wasn't notified of the reinsertion this is a violation of the FCRA and FDCPA. 

Thank you for your prompt attention to this serious matter. Please respond in writing confirming your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I was scammed by XXXX people on Venmo for fake hockey game tickets on XX/XX/year>. XXXX was for {$30.00} and the other for {$26.00}. I was told by the ice rink to go to their XXXX page for tickets and that's where these people were selling the fake tickets. 

When I realized it was a scam I went to the Venmo web site to report it and stop the transfer. After XXXX hours on their web site, I gave up. It was after business hours on a Friday so there was nobody to speak to. All of the instructions on their web site I could not do ( the screen options they said to choose were not there ). I closed the account and my bank account the next morning. Unfortunately on the same day I used Venmo to send money to my daughter for her tax return. I do this once a year. I am not a regular Venmo users. I didn't know how Venmo actually works. 

So for the past month, I am getting emails from Venmo saying they are investigating. I was called by a very rude employee saying they needed their money back. I agree to sending back the valid {$250.00} but they said my account would be frozen until I sent all money back. Which I did. 

Every time I get any information from Venmo on disputing the charges, their instructions DO NOT MATCH what you can actually do on their app or web site. There is NO place to report fraud. The rude man on the phone said it was my fault I was scammed because I didn't click some button saying add purchase protection when I was transferring the money. I use Venmo once a year... how was I supposed to know this? Why isn't it an automatic feature? Why do you have to opt in? 

I got an email saying pretty much too bad I was scammed they can't help me. 

If you go on the Venmo app or web site today, there is still no option to choose to dispute a fraudulent charge. You can only dispute if you did not receive a good/service, if you sent to the wrong person or if you want to cancel a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have sent numerous hardship letters to XXXX XXXX I did get a response saying that they would take off the interest fees if I made a payment. In which I appreciate that, but unfortunately, i'm in a complete hardship at the moment. I'm still getting numerous calls and being harassed. I want someone to actually read my hardship Letter and respond. 
I have two credit cards with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: CO

Complaint narrative:
I submitted a dispute for XXXX accounts from XXXX XXXX XXXX that are unlawfully and negatively impacting my credit. When I recieved my dispute response for THE SAME EXACT COMPANY ( which put XXXX NEGATIVE MARKS ON MY ACCOUNT instead of XXXX as well as illegally inputted data ) through TransUnion which I stated " Prohibition on Creditors /Consumer Reporting Agencies Concerning Medical Information Regulation V. Bans medical bills on credit reports : The rule bans consumer reporting agencies from including this. '' The first one which I reported as 'fraudulent ' on accident until I found a space to type for the SECOND charge, was " ACCEPTED '' the XXXX where I disclaimed " Prohibited laws from disclaiming this '' was DENIED.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shepherd Outsourcing, LLC
State: WI

Complaint narrative:
I received numerous text messages from the company as well as family members received notifications from the company in regards to my personal debt. I did not give permission to the company. I have not received any written communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-15 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 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 non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, Equifax, and TransUnion for willfully violating the Fair Credit Reporting Act ( FCRA ) by failing to remove outdated and unverified negative information from my credit report and by ignoring legally required investigation timelines. 

Details of the Violation : On XX/XX/XXXX, I sent a legally valid request to all three credit bureaus, requesting a description of procedures used to verify certain disputed accounts on my credit file. They received these requests via registered mail by XX/XX/XXXX, and were required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to respond within 15 days. No response was ever provided. 

On XX/XX/XXXX, I submitted all requested identifying documents via certified mail. These were confirmed delivered, yet each bureau has since attempted to restart the process by requesting the same documents again, which is an unlawful delay tactic under FCRA 1681i ( a ) ( 1 ) ( A ). 

In addition, the following accounts are past the 7-year reporting limit under FCRA 605 ( a ) and must legally be removed : XXXX XXXX Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX  ) Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts are either unverifiable or outdated and should have been removed, but they continue to appear on my credit reports. My direct written requests to the credit bureaus have been ignored or met with unlawful delays, which have caused undue XXXX  and harm to my creditworthiness. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights under federal law are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, Equifax, and TransUnion for willfully violating the Fair Credit Reporting Act ( FCRA ) by failing to remove outdated and unverified negative information from my credit report and by ignoring legally required investigation timelines. 

Details of the Violation : On XX/XX/XXXX, I sent a legally valid request to all three credit bureaus, requesting a description of procedures used to verify certain disputed accounts on my credit file. They received these requests via registered mail by XX/XX/XXXX, and were required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to respond within 15 days. No response was ever provided. 

On XX/XX/XXXX, I submitted all requested identifying documents via certified mail. These were confirmed delivered, yet each bureau has since attempted to restart the process by requesting the same documents again, which is an unlawful delay tactic under FCRA 1681i ( a ) ( 1 ) ( A ). 

In addition, the following accounts are past the 7-year reporting limit under FCRA 605 ( a ) and must legally be removed : XXXX XXXX Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX  ) Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts are either unverifiable or outdated and should have been removed, but they continue to appear on my credit reports. My direct written requests to the credit bureaus have been ignored or met with unlawful delays, which have caused undue XXXX  and harm to my creditworthiness. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights under federal law are protected.

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 2025-04-15 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: Chime Financial Inc
State: AL

Complaint narrative:
I have transactions on my account that I didnt do and they dont want to reimburse me for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
The letter attached shows all information. It says it is a Notice of Assignment to another credit collecting office. However, I do not have any collection issues with this or any other company. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have written numerous letters to PayPal/ synchrony bank. I've requested a hardship for my account. I sent a hardship letter. I get numerous calls a day. It's complete harassment, and I'm tired of it. I never got a response to any of my hardship 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
ED FINANCIAL has improperly used my private personal information and have not protected the data from the transfer of securities. This breach of information is negatively impacting my personal financial reputation and should be updated in your information systems. 1 ) ( A ) " Breach of the security of the system '' means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of personal information maintained by the person or entity doing business on behalf of. Please update payment accounts on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Someone opened credit card accounts in my name with Capital One. These are fraudulent accounts. I called Capital One customer service and reported it. I requested to close these fraudulent credit cards. But the customer service refused to confirm it. I request to close these credit cards immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-15 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: LA

Complaint narrative:
Experian marked my XXXX XXXX dispute as updated, but the information remains inconsistent with Equifax and TransUnion. The number of late payments still doesnt match, violating the FCRAs accuracy requirements. Im requesting full deletion of the account if it can not be verified consistently.

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 2025-04-15 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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