vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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 2025-07-01 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
While reviewing my credit report, I have found several fraudulent accounts that were opened without my authorization. I believe that these accounts are the result of my information being exposed in multiple data breeches and my mail at my residence being tampered with. I have recently sent in a request to all three credit bureaus requesting that they thoroughly investigate these accounts and provide me with a debt validation letter as well as documentation proving that the accounts are mine in which they are not. I have received several notices and emails stating that my personal information has been exposed in a data breach as well as the dark web. I have submitted an FTC report, my Driver 's license as well as social security card and a bill and nothing has been done at this point. Ther accounts that should be removed and that were opened fraudulently are listed below but i do not have the account numbers because they are not my account and my credit report only gives me partial information : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: OH

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I ordered from XXXX XXXX XXXX and selected to pay in installments through Affirm in XXXX of this year. By XXXX, I still hadn't received the order. The order consisted of an impression kit that would need to be sent back to allow for a final product to be rendered. I called and the representative kept insisting that I download the company 's app. I declined, stating that I have sensitive information on my phone. The call ended in opening a case and being instructed to wait atleast 60 days for a decision. Within an hour of this call my debit card was charged numerous fraudulent charges, resulting in a replacement debit card and a mound of headache. I've had to open two additional cases because the original company refuses to communicate. Currently, Affirm is sending harassing texts/emails and threatening to report a severely delinquent loan, despite never receiving the original order. They've never refunded the {$110.00} for the first installment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
This complaint is concerning PayPal. I have a PayPal account which had around {$4800.00} worth of cryptocurrency in it at the time of the theft that occurred. I saw a notification come in that someone had a code sent to my email from PayPal I knew that I did not do it so I started to panic. Then another string of emails came in because the person was trying to hack into my account. Then I got a notification that said a new device had logged into my account. That's when I really lost it and tried to call them. It took them forever to answer the phone and when they did, the man argued with me. I told him that someone had gained unauthorized access to both my email and my PayPal account. I told him I needed him to secure my account immediately. I told him that I needed to be able to move my money out of that account because I knew they would not and could not protect my money. This all happened live on the phone and this happened while being recorded by PayPal. I called in advance to tell them that an unauthorized transaction was about to take place. That unauthorized transaction that I was worried about did take place while I was on the phone with a customer service representative of PayPal. He apologized profusely and told me that he would definitely get my money back and not to worry. He said it would happen within XXXX hours but it took them around 4 days to come back and tell me to you XXXX that they espoused at me. They told me they found no evidence to support my claim. Someone stole {$2500.00} for me and it's a person I don't know. They are a female. They have a different name than me. I have never sent a transaction near that amount. I have certainly never sent any to that woman and they claim that the activity wasn't unusual. They claimed that the IP address was consistent with my PayPal account. But it was not and it had never logged into my account because I was notified that a new device logged in. How in the XXXX can they deny me of my money when I was on the phone screaming and yelling at them to tell them that someone was trying to steal it and then they let it happen? I am furious as XXXX. I am going to run amok I am going to find their offices no matter where they are and what country they operate from and I am going to do something very very XXXX XXXX XXXX  if I don't get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
XXXX has been incorrectly reporting my credit to the credit bureaus. This is the second time that theyve breached our contract with the incorrect and inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
XXXX has been incorrectly reporting my credit to the credit bureaus. This is the second time that theyve breached our contract with the incorrect and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has been incorrectly reporting my credit to the credit bureaus. This is the second time that theyve breached our contract with the incorrect and inaccurate 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 2025-07-01 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: GA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
To whom it may concern, Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate. 
It is important that the data in my report is properly documented and validated to ensure its accuracy. Therefore, I kindly request your assistance in resolving the discrepancies in my credit report. I respectfully challenge the allegations that have been reported against me, as they are not true. I understand that compliance with regulations and laws is crucial, and I appreciate your efforts in ensuring that my credit report meets both federal and state requirements for reporting. Can you please provide me with evidence to support the delinquency or derogatory claims in my report, including proof of the creditor 's permissible purpose for making such claims and inquiries? I will be monitoring the situation and hope to hear from you within XXXX  days. Once the inaccuracies have been resolved, I kindly request a hard copy of my updated credit report. I appreciate your prompt attention to this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX recipient and domestic XXXX XXXX  with a protective order and cruelty-based divorce. XXXX improperly disbursed over {$26000.00} in property taxes despite my active tax deferral, then used those false charges to force me into a loan modification I never requested. After admitting the error and refunding the money, they promised to send revised documents, but they never followed through. 

Instead, they issued foreclosure threats during my active forbearance, sent contradictory escrow statements, and falsely claimed I asked to reinstate the modification. Their conduct caused severe financial and emotional harm while I was undergoing intensive mental health treatment ( XXXX and XXXX ) and receiving disaster assistance for Hurricane Beryl. 

I am requesting that CFPB investigate XXXX for RESPA, FHA servicing violations, and failure to accommodate my XXXX and protected status. I have full documentation, including their written admission of error, tax refund record, protective order, and conflicting statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business XXXX of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : SXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I contacted Sofi by phone for its address and the payoff amount. According to the Sofi representative, the check for the payoff amount was mailed to them on XX/XX/year>. On XX/XX/year>, Sofi posted the amount in my account but then indicated that I was responsible for {$200.00} in interest. After contacting Sofi on XX/XX/year> and not receiving a clear explanation, I paid the remaining amount. I feel that Sofi falsely stated the payoff amount due. Subsequently, I have written this account of these transactions to identify Sofi actions and to help others who may find themselves in a similar situation. Thank you for allowing me to identify this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I have disputed this account several times and they continue to claim this account is valid. 
Please see 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