vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX  XXXX XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately. 
Please block or remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
To Whom It May Concern, This is my final legal notice and demand for the immediate removal AND permanent blocking of the following unauthorized, inaccurate, and fraudulent hard inquiries appearing on my credit report.

These entries were made without my knowledge, consent, or any verifiable permissible purpose under 15 U.S.C. 1681b ( FCRA ), and they must be removed and permanently suppressed from future access or reporting.

Under FCRA 604, 611, 616, 617, UCC 1-308, and 15 U.S.C. 6801-6809 ( GLBA ), I hereby demand the removal and blocking of the following inquiries : This is a formal and final demand for the permanent removal of all unauthorized, inaccurate, and fraudulent hard inquiries listed below from my credit report IMMEDIATELY and without delay.

These inquiries were made without my authorization, consent, or permissible purpose as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b, and as such, constitute a direct violation of federal law. In addition, under UCC 1-308 and UCC 3-501 , I reserve all rights without prejudice and do not consent to the continued publication of this damaging, unverifiable data.

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 2025-07-31 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: LA

Complaint narrative:
To Whom It May Concern, This is my final legal notice and demand for the immediate removal AND permanent blocking of the following unauthorized, inaccurate, and fraudulent hard inquiries appearing on my credit report.

These entries were made without my knowledge, consent, or any verifiable permissible purpose under 15 U.S.C. 1681b ( FCRA ), and they must be removed and permanently suppressed from future access or reporting.

Under FCRA 604, 611, 616, 617, UCC 1-308, and 15 U.S.C. 6801-6809 ( GLBA ), I hereby demand the removal and blocking of the following inquiries : This is a formal and final demand for the permanent removal of all unauthorized, inaccurate, and fraudulent hard inquiries listed below from my credit report IMMEDIATELY and without delay.

These inquiries were made without my authorization, consent, or permissible purpose as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b, and as such, constitute a direct violation of federal law. In addition, under UCC 1-308 and UCC 3-501 , I reserve all rights without prejudice and do not consent to the continued publication of this damaging, unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
This is my 6th dispute with Experian. Accounts that were previously deleted have been reinserted without the legally required notice under FCRA 15 USC 1681i ( a ) ( 5 ) ( B ). Experian has repeatedly failed to comply with federal law, causing ongoing harm to my credit profile. My Round 6 dispute letter and supporting evidence are attached.

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 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] [ XXXX ] Transunion Hard Inquiries [ Inquiry XXXX XXXX Date of Inquiry XX/XX/year> ] [ XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX  Date of Inquiry XX/XX/year> ] EQUIFAX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EXPERIAN XX/XX/year> XXXX XXXX XXXX  Subject : Identity Theft and Unauthorized Credit Card Applications TRANSUNION /EXPERIAN/EQUIFAX I am writing to formally report that I have been the victim of identity theft. I recently discovered that someone attempted to open one or more credit card accounts using my personal information without my knowledge or consent. 

On [ XXXX ], I was alerted to suspicious activity involving attempts to apply for credit cards in my name. I did not authorize these applications and have no knowledge of who submitted them. I am concerned that my personal identifying information has been compromised and is being used fraudulently. 

I have taken the following steps in response to this incident : 1. Filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

2. Notified the major credit bureaus ( Equifax, Experian, and TransUnion ) and placed a fraud alert on my credit file.

Please consider this letter as part of my formal complaint. I am requesting a thorough investigation into the matter and that any fraudulent inquiries or accounts be removed from my credit file immediately. I have attached my Identity Theft Report for your review and records. 

Thank you for your attention to this serious matter. Please do not hesitate to contact me at the phone number or email address listed above if further information is needed. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] [ XXXX ] Transunion Hard Inquiries [ Inquiry XXXX XXXX Date of Inquiry XX/XX/year> ] [ XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX  Date of Inquiry XX/XX/year> ] EQUIFAX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EXPERIAN XX/XX/year> XXXX XXXX XXXX  Subject : Identity Theft and Unauthorized Credit Card Applications TRANSUNION /EXPERIAN/EQUIFAX I am writing to formally report that I have been the victim of identity theft. I recently discovered that someone attempted to open one or more credit card accounts using my personal information without my knowledge or consent. 

On [ XXXX ], I was alerted to suspicious activity involving attempts to apply for credit cards in my name. I did not authorize these applications and have no knowledge of who submitted them. I am concerned that my personal identifying information has been compromised and is being used fraudulently. 

I have taken the following steps in response to this incident : 1. Filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

2. Notified the major credit bureaus ( Equifax, Experian, and TransUnion ) and placed a fraud alert on my credit file.

Please consider this letter as part of my formal complaint. I am requesting a thorough investigation into the matter and that any fraudulent inquiries or accounts be removed from my credit file immediately. I have attached my Identity Theft Report for your review and records. 

Thank you for your attention to this serious matter. Please do not hesitate to contact me at the phone number or email address listed above if further information is needed. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within 4 business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

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 2025-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I received a loan from this company in XXXX. I have made payments totaling {$950.00} to this company. And they're stating that I still owe XXXX though I made more payments than what the actual loan amount was. The original lone amount was {$750.00}. And none of the information I have from them in the agreement shows how the payments are applied. And when asked about it they wouldn't answer my question don't want to tell me how the payments are applied and tell me that they charge me a fee that's not stated in the loan agreement. All I was trying to understand from them is, why am I still paying such a high amount? When the payments that I have made have totaled more than what I actually borrowed, and since they changed my agreement because they went into a collection account, it's a new agreement which they haven't sent me new terms on except just a payment schedule And i'm paying a different amount, and yet they still don't want to provide me more information on what goes to principle or what goes to interest. Violating aspects of TILA They only report negative information to credit bureau but not current information such as loan amount and payment status. They only report to the bureaus if you are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute one or more unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), a credit inquiry requires my prior written authorization. I did not authorize the following hard inquiry/inquiries : 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 Credit Bureau ( s ) Reporting : [ Experian, TransUnion, Equifax I have contacted the credit bureaus and the company directly but have not received a resolution. These inquiries are negatively affecting my credit score and were either done without my permission or not associated with any application I submitted.

Attached are copies of my credit report showing the inquiries in question, my government-issued ID, and proof of 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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On my XX/XX/year> statement from Synchrony Bank ( PayPal Cashback Mastercard ), I received notice of an unexpected and drastic interest rate increase scheduled to take effect on XX/XX/year>. The changes raise the APR for purchases to 30.99 %, for cash advances to 33.99 %, and introduce a Penalty APR of 34.99 % all variable with the market and uncapped except by an extremely high 35.99 % ceiling. 

This increase is being attributed vaguely to " market conditions, '' and while the issuer allows me to reject some changes, I am not allowed to reject the APR increases. The notice also states that even if a late payment occurred prior to this policy change, it can still trigger the Penalty APR, which may apply indefinitely. 

This practice feels coercive and predatory : I am being locked into significantly higher APRs with no meaningful way to opt out. 

The company is removing previously communicated rate caps and increasing the daily rate calculations. 

The Penalty APR terms are overly punitive, applying for two missed payments over 12 months, even retroactively. 

This came without any actionable recourse to preserve fair terms. Im especially concerned as I currently carry a balance ( {$5400.00} as of XX/XX/year> ), and I did not agree to these aggressive new APR terms when I opened the account. 

I've attached the full statement showing the notice and current balance for reference.

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 2025-07-31 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal is currently holding a balance of {$28000.00} from my account, and has refused to release it despite repeated requests and no legitimate disputes or chargebacks. The restriction was placed prior to XX/XX/year>, and I first formally requested a withdrawal of the funds on that date. I have made multiple appeals since, all of which have been denied or dismissed with generic replies that they are looking into the funds. 
PayPal claims they may hold the balance until XXXX XXXX XXXX which is an excessive delay. There are no open disputes, chargebacks, or fraud claims against my account. I am the rightful account holder, and the money in question was lawfully earned. 
These funds represent my entire livelihood, and the withholding has caused severe financial hardship. I have communicated this to PayPal through their Message Center and by phone, and I have provided supporting documentation that the transactions were legitimate and fulfilled. Still, they have refused to escalate or resolve the situation. I am homeless and unable to buy food right now because of this. 
PayPals refusal to release my money is unjustified and is placing me in a financially dangerous position. I am requesting that the CFPB intervene to compel PayPal to release the full balance to me immediately or to provide a clear, documented reason for the continued hold. 
This prolonged and vague withholding of funds by PayPal, without due cause, is unacceptable and may constitute abusive business practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation