vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-08 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 2025-05-08 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: PA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX and I have noticed that it is a Fraudulent account being reported on my credit report. This does not belong to me. And I would greatly appreciate if it can be removed. This is not a third party filing this complaint.

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 2025-05-08 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: PA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX and I have noticed that it is a Fraudulent account being reported on my credit report. This does not belong to me. And I would greatly appreciate if it can be removed. This is not a third party filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I had filed a School Misconduct Application with Mohela and it was denied with no explanation. They will not explain the criteria required for accepting the School Misconduct Application. They will not explain any reason for the denial. 
My federal loans have already been discharged because the school participated in predatory lending scams and the schools have been closed nationwide as well. 
XXXX ( Mohela ) will not give any reason for denial or explain the criteria required which leaves borrowers with no recourse other than hire ( and pay ) for their own attorney 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX U.S.C. XXXX XXXXn ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX USC XXXX ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Closed Account-Request for Deletion Account Name : XXXX XXXX Account Numbers : Transunion XXXX Dear Transunion I am writing to formally dispute an account listed on my credit report that is inaccurate and should be removed immediately. The account in question is listed as an installment loan for educational purposes, reported by XXXX XXXX, with an original open date of XX/XX/XXXX and status marked as Closed/Paid with a {$0.00} balance. 

Although the account shows as closed and paid, it has surpassed the typical reporting period and no longer holds any current balance or delinquency. Continued reporting of this account may be misrepresenting my credit profile and negatively impacting my creditworthiness. I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S. CXXXX XXXXi- Right to dispute inaccurate or outdated items. 

XXXX U.S. CXXXX XXXX Responsibilities of furnishers to provide accurate information. 

XXXX U.S. CXXXX XXXXc ( a ) ( 4 ) - Accounts that have been paid or closed for more than 7 years must be removed.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I tried to send {$35.00} via Venmo. The Venmo app said there was a problem and for me to contact their customer service. I called the number provided on the app and " XXXX '' answered and asked me a few questions. I trusted he was a legitimate Venmo staff member at Venmo and he accessed my bank account ( TD Bank ) and sent XXXX XXXX, a Venmo payment, and a Pay pal payment to an unauthorized person. I ended the call as quickly as possible but he made these transfers too quickly. I immediately called TD and they locked all three of my accounts, and I went to the XXXX XXXXXXXX XXXX XXXXXXXX and opened up new accounts and closed the old accounts. I went to my local police department the next morning and filed a complaint. 
I reached out to Venmo XX/XX/year> and filed a complaint for theft and against their employee who hacked my account. I received an email from " XXXX XXXX '' stating the investigation was closed and they would not assist me further. I have tried to reach out to XXXX to no avail, but she never responds. The person who stole from me is an employee at Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint to dispute and demand immediate correction of inaccurate, outdated, and conflicting personal identifying information being reported by the XXXX major credit bureaus : TransUnion, Equifax, and Experian. This information is severely compromising the integrity of my credit file and directly violating my rights under the Fair Credit Reporting Act ( FCRA, 15 USC 1681g & 1681e ( b ) ), which requires all data furnished to be accurate, complete, and verifiable. 

As of my latest credit disclosures ( dated XX/XX/year> ), the following inaccurate or conflicting personal data is being reported : Multiple variations of my name : ( e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc. ) My only legal name is XXXX XXXX XXXX XXXX, as shown on my attached XXXX photo ID. 

Multiple or conflicting addresses The only accurate and current address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incomplete Social Security Number My correct SSN is XXXX Incorrect or missing employer My only valid and current employer is : XXXX XXXXXXXX XXXX These errors are not only inaccurate they are damaging and negligent. The FCRA requires that credit bureaus maintain maximum possible accuracy in consumer files ( 15 USC 1681e ( b ) ), and this standard is clearly not being met. Any continued reporting of incorrect identifiers creates a risk of identity confusion, misattribution of data, and denial of credit based on inaccurate consumer profile information.

Special Note Regarding Experian : While Experian is currently maintaining an active personal file on me containing my name, date of birth, address, and partial SSN they have failed to generate a credit score or furnish full disclosure of the report file as required by FCRA 1681g ( a ). If Experian holds a file on a consumer, it must provide a complete consumer report upon request, including the score used or maintained.

I hereby demand that Experian immediately provide my complete consumer disclosure and credit score, as required by federal law, or issue a formal declaration stating that no score is available and explain why.

Requested Action : I demand that TransUnion, Equifax, and Experian : Remove all inaccurate names, addresses, and identifiers that do not match my legal identity.

Correct my SSN, employer, and current address to reflect the accurate and verifiable information provided with this dispute. 

Provide documentation confirming these changes and a clean, corrected report. 

( In the case of Experian ) Immediately furnish my credit score and complete file. 

Attached are copies of my government-issued ID, full SSN, and supporting documents showing my verified address.

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 2025-05-08 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: FL

Complaint narrative:
I am filing this formal complaint to dispute and demand immediate correction of inaccurate, outdated, and conflicting personal identifying information being reported by the XXXX major credit bureaus : TransUnion, Equifax, and Experian. This information is severely compromising the integrity of my credit file and directly violating my rights under the Fair Credit Reporting Act ( FCRA, 15 USC 1681g & 1681e ( b ) ), which requires all data furnished to be accurate, complete, and verifiable. 

As of my latest credit disclosures ( dated XX/XX/year> ), the following inaccurate or conflicting personal data is being reported : Multiple variations of my name : ( e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc. ) My only legal name is XXXX XXXX XXXX XXXX, as shown on my attached XXXX photo ID. 

Multiple or conflicting addresses The only accurate and current address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incomplete Social Security Number My correct SSN is XXXX Incorrect or missing employer My only valid and current employer is : XXXX XXXXXXXX XXXX These errors are not only inaccurate they are damaging and negligent. The FCRA requires that credit bureaus maintain maximum possible accuracy in consumer files ( 15 USC 1681e ( b ) ), and this standard is clearly not being met. Any continued reporting of incorrect identifiers creates a risk of identity confusion, misattribution of data, and denial of credit based on inaccurate consumer profile information.

Special Note Regarding Experian : While Experian is currently maintaining an active personal file on me containing my name, date of birth, address, and partial SSN they have failed to generate a credit score or furnish full disclosure of the report file as required by FCRA 1681g ( a ). If Experian holds a file on a consumer, it must provide a complete consumer report upon request, including the score used or maintained.

I hereby demand that Experian immediately provide my complete consumer disclosure and credit score, as required by federal law, or issue a formal declaration stating that no score is available and explain why.

Requested Action : I demand that TransUnion, Equifax, and Experian : Remove all inaccurate names, addresses, and identifiers that do not match my legal identity.

Correct my SSN, employer, and current address to reflect the accurate and verifiable information provided with this dispute. 

Provide documentation confirming these changes and a clean, corrected report. 

( In the case of Experian ) Immediately furnish my credit score and complete file. 

Attached are copies of my government-issued ID, full SSN, and supporting documents showing my verified address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: SC

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 XXXX USC XXXXb 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 ( XXXX U.S. CXXXX  XXXX ) 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 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 2025-05-08 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: LA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-05-08 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: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this 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
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-05-08 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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