vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I have a few closed accounts Ive been trying to get removed some XXXX old have disputed them several times no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/year>, there's a collection of the amount XXXX. I have disputed this account on my credit report and it hasn't been verified that I owe this debt neither did they provided a validation letter after I requested. 

TransUnion is knowingly reporting inaccurate and unverified information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

There is a collection account listed by [ Insert Collection Agency Name ] that I do not owe, and I have already disputed it. TransUnion failed to properly investigate or provide any valid proof that the debt belongs to me. They are continuing to report this account without proper validation or evidence, causing direct harm to my credit score and financial standing.

This is a willful neglect of their legal obligations under FCRA Section 611, which mandates a reasonable reinvestigation of disputed items. TransUnion is ignoring evidence and failing to correct inaccurate information, despite being formally notified.

I demand that this account be immediately deleted from my credit report, and that a full investigation be launched into TransUnions reckless handling of this dispute.

If this matter is not resolved promptly, I will pursue further legal action for damages under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/year>, there's a collection of the amount XXXX. I have disputed this account on my credit report and it hasn't been verified that I owe this debt neither did they provided a validation letter after I requested. 

TransUnion is knowingly reporting inaccurate and unverified information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

There is a collection account listed by [ Insert Collection Agency Name ] that I do not owe, and I have already disputed it. TransUnion failed to properly investigate or provide any valid proof that the debt belongs to me. They are continuing to report this account without proper validation or evidence, causing direct harm to my credit score and financial standing.

This is a willful neglect of their legal obligations under FCRA Section 611, which mandates a reasonable reinvestigation of disputed items. TransUnion is ignoring evidence and failing to correct inaccurate information, despite being formally notified.

I demand that this account be immediately deleted from my credit report, and that a full investigation be launched into TransUnions reckless handling of this dispute.

If this matter is not resolved promptly, I will pursue further legal action for damages under the FCRA.

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 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I had asked my step dad on PayPal ( this was several times ) if he can help me with my rent. I had to request money in order to send a message. He finally sent it but PayPal did the most and restricted my account and I actually spoke to one of the people their and I summited my license and they confirmed it and said I would get it back in 3 days and I doubled sure and she said yes. 3 days later it was still restricted now I believe they XXXX my account. They said they can't unlock it and theres nothing they can do about it. They think I was being suspicious on the account and I wasn't. I had family matters and needed help with rent. I have asked them several times to unlock my account so I can get to my money.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Albert Corporation
State: UT

Complaint narrative:
Albert has closed my account and stated that a refund of {$150.00} was issued on XX/XX/year>. However, I have not received this refund, suggesting it may have been processed after my account closure. 

I am requesting confirmation of how and when the refund was issued. Additionally, I need documentation showing any attempts Albert made to contact me, as I have received no communication. 

Thank you for your assistance. 

XXXX XXXXXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 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: PA

Complaint narrative:
XXXX said : Perfect, now that you clarified this is for the CFPB What Happened section, heres a clean draft you can paste in : What Happened I submitted a complete FTC Identity Theft Report package on XX/XX/year>, which the bureaus received on XX/XX/year>. Under FCRA 605B, they were required to block the fraudulent tradelines within XXXX business days ( deadline : XX/XX/year> ). 

Instead, they failed to block the items and later responded that the information was verified as correct without providing any supporting documentation. This is a direct violation of the XXXX block requirement under XXXX. 

Since the bureaus are continuing to report these charge-off accounts, I now request, under FCRA 609 ( a ) ( 1 ) ( A ), the following : The original signed applications, contracts, or instruments used to establish these accounts. 

Documentation of the procedures and steps taken to verify the accounts after I submitted my FTC Identity Theft Report. 

If they can not produce the original documentation or show the verification procedure, then the accounts must be permanently deleted as unverifiable. 

accounts being XXXX XXXX and avant

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 2025-09-23 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: LA

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 XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1300.00} 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 2025-09-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXXXXXX 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 2025-09-23 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: MI

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding several inaccurate, misleading, and harmful entries being reported on my credit file by multiple furnishers and credit reporting agencies. These errors are negatively impacting my creditworthiness and financial stability. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, these furnishers have failed to ensure maximum possible accuracy of the information they are reporting. 

The following items are being reported inaccurately : XXXX XXXX Account XXXX XXXX High Balance {$390.00}, Date Opened XX/XX/XXXX Late Payment reported inaccurately. 

XXXX XXXX Account XXXX XXXXXXXX High Balance {$2700.00}, Date Opened XX/XX/XXXX Late Payment reported inaccurately. 

XXXX Account XXXX XXXXXXXX High Balance {$1100.00}, Date Opened XX/XX/XXXX Late Payment reported inaccurately. 

XXXX  Account XXXX XXXXXXXX High Balance {$500.00}, Date Opened XX/XX/XXXX Late Payment reported inaccurately. 

XXXX XXXX XXXX XXXX  XXXX High Balance {$13000.00}, Date Opened XX/XX/XXXX Late Payment reported inaccurately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX. 

These accounts and inquiries are either : Reported in error, Do not belong to me, or Contain inaccurate late payment notations. 

Under the FCRA, furnishers and credit reporting agencies are legally obligated to : Report only accurate and verifiable information, Conduct proper investigations upon disputes, Remove or correct any unverifiable or inaccurate information within 30 days. 

Failure to comply with these provisions constitutes willful and negligent violations of federal law. These inaccurate entries have caused me financial and reputational harm, including higher interest rates, credit denials, and emotional distress. 

I am demanding that : These inaccurate late payment entries and unauthorized inquiries be immediately removed from my credit file. 

A full reinvestigation be conducted by all furnishers and credit reporting agencies involved. 

Written confirmation be provided to me within 30 days of receipt of this complaint, as required by law.

Company response to consumer: Closed with non-monetary relief