vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Final Demand for Deletion of Inaccurate Bankruptcy Accounts Notice of Intent to Arbitrate ( JAMS ) To Whom It May Concern, This letter serves as a final and formal dispute notice regarding the following accounts you are currently reporting on my Experian credit file : XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} These accounts are being reported inaccurately and without proper validation, in direct violation of the Fair Credit Reporting Act ( FCRA 602, 604, and 611 ), the Fair Debt Collection Practices Act ( FDCPA 807 ), and my rights under UCC 1-308 .

You have failed to provide any evidence that these accounts belong to me, or that they were lawfully included in a bankruptcy. Reporting included in bankruptcy with a {$0.00} balancewithout legal proof or a signed agreementis defamation and misrepresentation. If this is not corrected immediately, I will escalate this matter to binding arbitration.

This is your final opportunity to avoid legal consequences.

I am demanding the following within 15 calendar days of receiving this notice : The full Method of Verification ( MOV ) under FCRA 611 for each account.

The name, title, and contact information of the person or third-party agency who verified each item. 
A copy of the original signed agreement, bankruptcy court schedules ( if applicable ), and all documents used in your investigation. 
If you fail to comply, I will immediately proceed with : Filing a binding arbitration case through JAMS, as permitted under your terms of service and the FCRA. 
Seeking monetary damages for negligent and willful noncompliance, defamation, credit suppression, and emotional distress. 
Filing official complaints with the CFPB, FTC, and XXXX Attorney Generals Office. 
This is not a request, it is a final demand. I have preserved my rights under UCC 1-308. Any failure to remove these accounts or provide full and complete verification will result in legal action without further notice. 

Sincerely, 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 2025-07-21 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: IL

Complaint narrative:
1692g Failing to provide debt validation upon request. And provided a negative tradeline on report. After admitting to CFPB what they done was illegal, it was added is unlawful.Upon review of the collector 's response, it is evident that their actions raise serious legal concerns, particularly under : Why was this over looked and ignored by CFPB twice?

Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
On my credit report there is an account named XXXXXXXX XXXX This account has several inconsistencies and inaccuracies that are obvious but continues to be reported as accurate even after submitting supporting government documents to validate my complaint its always the same result stating : the grantor and / or data furnisher has reported this account as being accurate ending my dispute without any changes being made. This has me questioning the investigation process and I feel that that process should be investigated as well. My complaints are as follows : This account being listed as a loan. There is no documentation that would suggest that a financial arrangement was made where I borrowed money from XXXX XXXX with the understanding that it would be paid back over time with interest. This same account is reporting that the last payment was made on XX/XX/XXXX that is solely due to the fact which I submitted documentation on is that On XX/XX/XXXX the Superior Court of California XXXX XXXX XXXX XXXX stopped all payments from being requested by XXXXXXXX XXXX. They were still reporting this to that account as being late payment which started in XXXX disregarding the Court order to not to continue to seek future payments. In the year XXXX from XXXX to XX/XX/XXXX this account was being reported as current in making payments which wasnt accurate but was used to extend the life of the account as positive until they could no longer do so that is when the late payments started showing on the account form XX/XX/XXXX til present day again despite the court order to not seek or request future payments from me. As of XX/XX/XXXX a California Appellate Court Dismissed this case as Final on my behalf. That document was also submitted and even with that this same account is still showing as active and accurate by the grantor and/or data furnisher. This account is XXXX old and not due to automatically drop of until XXXX. I have been denied credit for home, auto, and banks loans primarily due to the {$230000.00} balance that is being reported by XXXXXXXX XXXX. There has not been any documentation on behalf of XXXX XXXX that could dispute the documentation, the court order or the denial of the case dismissal.This account should be removed from my credit report immediately and a full investigation of the way this account was investigated needs to be investigated. I hope this will help others in a way that I hope will help me resolve this once and for all.

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 2025-07-21 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: NV

Complaint narrative:
On my credit report there is an account named XXXX XXXX. This account has several inconsistencies and inaccuracies that are obvious but continues to be reported as accurate even after submitting supporting government documents to validate my complaint its always the same result stating : the grantor and / or data furnisher has reported this account as being accurate ending my dispute without any changes being made. This has me questioning the investigation process and I feel that that process should be investigated as well. My complaints are as follows : This account being listed as a loan. There is no documentation that would suggest that a financial arrangement was made where I borrowed money from XXXX XXXX with the understanding that it would be paid back over time with interest. This same account is reporting that the last payment was made on XX/XX/XXXX that is solely due to the fact which I submitted documentation on is that On XX/XX/XXXX the XXXX XXXX XXXX California XXXX XXXX XXXX XXXX stopped all payments from being requested by XXXXXXXX XXXX They were still reporting this to that account as being late payment which started in XXXX disregarding the XXXX order to not to continue to seek future payments. In the year XXXX from XXXX to XX/XX/XXXX this account was being reported as current in making payments which wasnt accurate but was used to extend the life of the account as positive until they could no longer do so that is when the late payments started showing on the account form XX/XX/XXXX til present day again despite the court order to not seek or request future payments from me. As of XX/XX/XXXX a California Appellate Court Dismissed this case as Final on my behalf. That document was also submitted and even with that this same account is still showing as active and accurate by the grantor and/or data furnisher. This account is XXXX old and not due to automatically drop of until XXXX. I have been denied credit for home, auto, and banks loans primarily due to the {$230000.00} balance that is being reported by XXXXXXXX XXXX There has not been any documentation on behalf of XXXX XXXX that could dispute the documentation, the court order or the denial of the case dismissal.This account should be removed from my credit report immediately and a full investigation of the way this account was investigated needs to be investigated. I hope this will help others in a way that I hope will help me resolve this once and for all.

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 2025-07-21 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: 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 explanation
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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/1987 Subject : Formal Request to Block Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern at Equifax, I am formally requesting, under the authority of the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), that you immediately block the reporting of fraudulent information on my consumer credit file resulting from identity theft. 

This request is being submitted in connection with an official identity theft complaint, and I am demanding that the following accounts be blocked from my credit report within four ( 4 ) business days of your receipt of this letter : XXXX XXXX XXXX XXXX Account Ending : XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Account Ending : XXXX Balance : {$740.00}, XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXX Balance : {$1300.00}. 

I do not recognize these accounts, and they were not authorized by me. I believe them to be the result of identity theft and fraud. 

For your reference and in compliance with FCRA requirements, I have enclosed the following : A copy of my FTC Identity Theft Report ( Report Number : XXXX ) A detailed list of the fraudulent items These accounts and any related inquiries are not mine and must be permanently blocked from appearing in my file, as required by federal law. 

I expect a prompt response confirming the blocking of this information in accordance with your obligations under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 find this late payment concerning as it doesn't reflect my true payment behavior. Please delete it.

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 2025-07-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-21 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: NC

Complaint narrative:
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.

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 2025-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I called the number listed in the letter, and XXXX of XXXX  stated at XXXX XXXX  EST that there was no investigation, but a decision was based solely on the account review. I requested the investigation records, but she then started yelling at me and terminated the call. XXXX at XXXX XXXX EST, but CSR XXXX pretended she could not hear me and terminated the call ; therefore, BofA screens calls and retaliates. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++ BANK OF AMERICA Claims Resolution, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, we're unable to approve your recent claim. Update On Your Claim Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$750.00} Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. What's next The credit ( s ) for {$750.00} that was applied to your account will be removed on XX/XX/year>, along with any credit ( s ) for fees related to this claim- you'll see the adjustment ( s ) on your monthly statement.

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 monetary relief
Consumer complaint received 2025-07-21 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Account XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity

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 2025-07-21 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I purchased an XXXX car head unit from a seller on XXXX, which was advertised as running XXXX XXXX. The item I received was counterfeit it runs XXXX XXXX ( XXXX XXXX XXXX ), spoofed to appear as XXXX XXXX, and uses outdated XXXX hardware. It is incapable of performing as described and appears to contain unauthorized or malicious firmware.

I contacted the seller well within the 30-day return window, and they assured me they would help but repeatedly stalled communication and avoided resolution. It is now clear they were acting in bad faith to delay until the return window closed. 

Despite contacting XXXX XXXX  during this time and being told a refund would be issued, no formal case was opened and XXXX later refused to assist, citing that the return period had passed. PayPal also refused to help, stating the claim was outside the 30-day limit, even though I took all appropriate steps within the timeframe and have proof of communication.

This transaction is fraudulent. The seller continues to list and sell these counterfeit devices, which pose a cybersecurity risk due to potential spyware or remote access capabilities. PayPal, as the payment processor, failed to uphold its protections, and XXXX continues to facilitate this activity despite being notified. 

I am seeking a full refund and request that action be taken against the seller and/or XXXX for enabling fraudulent sales.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Account -- -XXXX XXXXXXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged XXXXXXXX XXXX in over draft fees this year at Wells Fargo because they allowed my card to get over drawn,

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 monetary relief
Consumer complaint received 2025-07-21 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 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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