vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number XXXX XXXX XXXX XXXX Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Someone was able to get access to my Venmo account without going through the security measures put in place to protect my account. There was no verification sent to my phone. Someone sent themselves XXXX. I caught it, deleted my banking info then spent over an hour trying to contact someone to lock my account. Venmo found in my favor and resolved, and locked my account. Now I can not delete my account. When I called they said I have to resolve via email that department does not have telephones. The department demands I upload my personal identification. I dont want the account unlocked I want it deleted. If they can not protect my banking information I do not trust that they can protect my identity. For all I know they are wanting my Identity uploaded so they can attempt to do something with it. They refuse to resolve this or delete my account in a secure manner. Via email is not secure. Their website is not secured. I just want them to permanently delete my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX 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 2025-05-23 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my 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

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 2025-05-23 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: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Hello, Last year I filed a complaint against this company as a result of their releasing the original signer of the student loan from her obligation to repay it and reassigning the debt to me as the cosigner. Due to various discrepancies like not having a copy of the loan, multiple XXXX and XXXX Statements etc, payment was stopped on the loan in XX/XX/XXXX. The account closed in XX/XX/XXXX. 
Since then the creditor has been submitting incorrect information to Equifax and TransUnion each month saying the account is delinquent or in collections. I have disputed the information on my credit reports but XXXX XXXX ( formerly known as XXXX ) has refused to clean up my credit reports. 
Several months after the account closed last year I learned that the original signer 's debt was not XXXX in her bankruptcy which she filed in XX/XX/XXXX. I provided this information to Equifax and TransUnion in recent disputes and yet XXXX continues to refuse to remove the derogatory ratings and clean up my file back to XX/XX/XXXX which is when the loan was unilaterally changed from the signer being responsible to me, the cosigner, being responsible. XXXX actions have had negative consequences to both credit scores from these credit companies. 
When I reached out to TransUnion, for example, they continue to ask for more supporting documentation. They ask me for the information when in fact XXXX XXXX as a creditor listed in the bankruptcy in XX/XX/XXXX has the documentation. There is and has been a cost to me to locate and obtain information through the bankruptcy court and to retain a bankruptcy attorney in order to find out the status of this loan through the bankruptcy court. XXXX XXXX should be held accountable for the undue hardship they caused on my financial and emotional wellbeing in dealing with this issue for almost a year and a half. 
In closing, the original signer of the student loan made payments after the bankruptcy was finalized in XX/XX/XXXX which is certainly counter to her best interest if she in fact had an order releasing her from this debt. It was XXXX XXXX who purported in XX/XX/XXXX that she was no longer obligated. I'm submitting the documents I recently provided to Equifax and TransUnion from the court showing the student loan was not XXXX in XX/XX/XXXX. 
Thank you for your time 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 non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Hello, Last year I filed a complaint against this company as a result of their releasing the original signer of the student loan from her obligation to repay it and reassigning the debt to me as the cosigner. Due to various discrepancies like not having a copy of the loan, multiple XXXX and XXXX Statements etc, payment was stopped on the loan in XX/XX/XXXX. The account closed in XX/XX/XXXX. 
Since then the creditor has been submitting incorrect information to Equifax and XXXX  each month saying the account is delinquent or in collections. I have disputed the information on my credit reports but XXXX XXXX ( formerly known as XXXX ) has refused to clean up my credit reports. 
Several months after the account closed last year I learned that the original signer 's debt was not XXXX in her bankruptcy which she filed in XX/XX/XXXX. I provided this information to Equifax and XXXX  in recent disputes and yet XXXX continues to refuse to remove the derogatory ratings and clean up my file back to XX/XX/XXXX which is when the loan was unilaterally changed from the signer being responsible to me, the cosigner, being responsible. XXXX actions have had negative consequences to both credit scores from these credit companies. 
When I reached out to XXXX, for example, they continue to ask for more supporting documentation. They ask me for the information when in fact XXXX XXXX as a creditor listed in the bankruptcy in XX/XX/XXXX has the documentation. There is and has been a cost to me to locate and obtain information through the bankruptcy court and to retain a bankruptcy attorney in order to find out the status of this loan through the bankruptcy court. XXXX XXXX should be held accountable for the undue hardship they caused on my financial and emotional wellbeing in dealing with this issue for almost a year and a half. 
In closing, the original signer of the student loan made payments after the bankruptcy was finalized in XX/XX/XXXX which is certainly counter to her best interest if she in fact had an order releasing her from this debt. It was XXXX XXXX who purported in XX/XX/XXXX that she was no longer obligated. I'm submitting the documents I recently provided to Equifax and XXXX  from the court showing the student loan was not XXXX in XX/XX/XXXX. 
Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
They are constantly calling for a medical debt for my XXXX. 
They are calling my XXXX XXXX XXXX XXXX  phone, my phone, my husbands phone my extended family members phones asking for my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After reviewing credit report I noticed several hard inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX XXXX 4. Incorrect Date of Birth : My Date of Birth is XX/XX/year>. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX XXXX 4. Incorrect Date of Birth : My Date of Birth is XX/XX/year>. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
XX/XX/year> I reported into the credit bureaus of their mistake of applying the reporting of my XXXX XXXX delinquency to my child support record. This has been a XXXX XXXX delinquency to my child support record. This has been a negative reflection on my report and has not allowed me to continue to utilize my credit in the proper manner. Under 15 USC 1681i states that XXXX XXXX account is being reported without proper notice or validation. I did not give proper validation to allow reporting and I did not receive any paperwork that I allowed for any reporting of my Child Support support to the credit bureaus. Also the division of XXXX XXXX at the Attorney Generals office could not provide any paperwork showing that I gave any authorization to allow reporting at any point in time. I demand this reporting to be stopped immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am aware that Suncoast Credit Union is not currently signed up to respond to complaints directly through the CFPB system. I trust that this complaint will be forwarded to the appropriate regulatory agency or authority for review and response. I expect that my dispute and evidence of fraud will be carefully considered and addressed. 

I was the victim of an online scam beginning in XX/XX/year>, involving a fraudulent investment platform called XXXX. I was manipulated over several months into transferring funds through Crypto.com to what I believed were legitimate business-related tasks, with promises of payment and profit withdrawal. I ultimately lost over {$20000.00}. 

The platform continued to fabricate barrierssuch as negative account balances and credit score requirementsto keep me depositing more funds. I provided my bank with screenshots of these conversations, the wallet address used, and proof that XXXX has since blocked the wallet. I also submitted reports to the FTC ( Report # XXXX ), XXXX, and the FBI through XXXX. 

Despite submitting full documentation in good faith, my bank denied the dispute, stating the transaction was made through a third party and was therefore not their responsibility. I attempted to follow up, but was told I would need to resolve the issue directly with the platform, which is not possible. The individuals involved have changed their contact details and are unreachable, further confirming the fraudulent nature of this scheme.

Im requesting the CFPBs assistance in reopening my dispute and holding my bank accountable for not protecting me once the scam was reported and documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I hereby dispute the inclusion of the bankruptcy case on my credit report and demand its immediate removal. The United States Bankruptcy Court, XXXX XXXX Colorado, has confirmed in its correspondence dated XX/XX/year>2021, that it does not transmit bankruptcy case information to credit reporting agencies, and such information is obtained solely from public records. I assert that the continued reporting of this bankruptcy is either inaccurate, outdated, or otherwise non-compliant with FCRA provisions, including but not limited to 15 U.S.C. XXXX ( a ) ( XXXX ). I demand that you investigate this matter within XXXX days, as required by 15 U.S.C. XXXX, and remove the bankruptcy entry from my credit report. Failure to comply may result in further legal action to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I hereby dispute the inclusion of the bankruptcy case on my credit report and demand its immediate removal. The United States Bankruptcy Court, XXXX XXXX Colorado, has confirmed in its correspondence dated XX/XX/year>2021, that it does not transmit bankruptcy case information to credit reporting agencies, and such information is obtained solely from public records. I assert that the continued reporting of this bankruptcy is either inaccurate, outdated, or otherwise non-compliant with FCRA provisions, including but not limited to 15 U.S.C. XXXX ( a ) ( XXXX ). I demand that you investigate this matter within XXXX days, as required by 15 U.S.C. XXXX, and remove the bankruptcy entry from my credit report. Failure to comply may result in further legal action to enforce my rights under federal law.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am filing a complaint against XXXX XXXX for improperly re-aging a voluntarily surrendered auto loan on my credit report. The account was closed and surrendered in 2022, but the bank continues to report it monthly as if it is newly delinquent. This misleading reporting practice is artificially extending the impact of the negative item, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) and 1681s2 ( a ) ( 5 ), which prohibit the re-aging of delinquent accounts. 

This is the third dispute I have submitted regarding this account. Despite my previous efforts to correct the reporting, XXXX XXXX continues to furnish inaccurate and damaging information. I am requesting that the account be permanently deleted from all credit reporting agencies due to XXXX XXXX repeated failure to report accurate and verifiable information in compliance with federal law. This ongoing misreporting is harming my credit profile and appears to be a willful violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief