vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-17 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 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: NV

Complaint narrative:
This notice of dispute regarding the accuracy of information being reported in connection with a charge-off account under my name. I am disputing this account on the grounds that it is inaccurate due to the securitization of the receivable, which has altered the ownership and accounting of the alleged debt. 
Under 18 U.S.C. 892 & 894, any attempt to collect on an unenforceable or securitized debt without legal standing may be construed as an extortionate extension of credit. XXXX is attempting to use an unenforceable agreement and incomplete records to bring an adverse action against the Claimant, which XXXX constitute a violation of federal law. Additionally, please be advised that this matter is currently in active litigation through a formal arbitration process, under case number XXXX, XXXX Bank XXXX XXXX XXXX XXXX. Pending the outcome of this legal proceeding, I request that all adverse reporting and collection activities be suspended and the account be marked as 'In Dispute '.

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 2025-04-17 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: NV

Complaint narrative:
This notice of dispute regarding the accuracy of information being reported in connection with a charge-off account under my name. I am disputing this account on the grounds that it is inaccurate due to the securitization of the receivable, which has altered the ownership and accounting of the alleged debt. 
Under 18 U.S.C. 892 & 894, any attempt to collect on an unenforceable or securitized debt without legal standing may be construed as an extortionate extension of credit. XXXX is attempting to use an unenforceable agreement and incomplete records to bring an adverse action against the Claimant, which XXXX constitute a violation of federal law. Additionally, please be advised that this matter is currently in active litigation through a formal arbitration process, under case number XXXX, XXXX Bank XXXX XXXX XXXX XXXX. Pending the outcome of this legal proceeding, I request that all adverse reporting and collection activities be suspended and the account be marked as 'In Dispute '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my XXXX  formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within XXXX  days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of my most recent credit report dated XX/XX/XXXX, Experian is reporting multiple XXXX delinquencies for the following Department of XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX accounts are currently in good standing with both TransUnion and Equifax, reporting as Pays as agreed. However, Experian is reporting these accounts as " 90 days late '' as of XX/XX/XXXX. This reporting directly violates the Department XXXX XXXX federally mandated on-ramp protections from XX/XX/XXXX, through XX/XX/XXXX, which explicitly state that missed payments during this period should not be reported as delinquent.Furthermore, I never received proper notice, billing, or disclosures as required under the E-SIGN Act, and I did not consent to receive electronic billing notifications in place of mailed notices. This is a clear violation of federal consumer protections under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX in Global and National XXXX XXXX ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of my most recent credit report dated XX/XX/XXXX, Experian is reporting multiple XXXX delinquencies for the following Department of XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX Opened : XXXX accounts are currently in good standing with both TransUnion and Equifax, reporting as Pays as agreed. However, Experian is reporting these accounts as " 90 days late '' as of XX/XX/XXXX. This reporting directly violates the Department XXXX XXXX federally mandated on-ramp protections from XX/XX/XXXX, through XX/XX/XXXX, which explicitly state that missed payments during this period should not be reported as delinquent.Furthermore, I never received proper notice, billing, or disclosures as required under the E-SIGN Act, and I did not consent to receive electronic billing notifications in place of mailed notices. This is a clear violation of federal consumer protections under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX in Global and National XXXX XXXX ( XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-17 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Experian for their continued refusal to remove fraudulent hard inquiries from my credit report, despite multiple disputes and full documentation of identity theft. 

Since XX/XX/year>, I have sent three written dispute letters and placed multiple calls to Experian, requesting removal of the following unauthorized inquiries : XXXX Bank XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> & XX/XX/year> I never authorized these inquiries. To support my dispute, I provided : A copy of my FTC Identity Theft Report A copy of my government-issued ID A copy of my Social Security card Despite these repeated efforts, Experian has failed to conduct a reasonable investigation and continues to allow these fraudulent entries to remain on my report. 

Their actions violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( FCRA 604 ) Consumer reporting agencies may only furnish credit reports for permissible purposes, which requires the consumers consent.

15 U.S.C. 1681i ( FCRA 611 ) Requires a reasonable reinvestigation of any disputed item within 30 days of receiving a dispute notice.

15 U.S.C. 1681c-2 ( FCRA 605B ) Mandates the blocking of information resulting from identity theft once the consumer submits proper documentation, including an identity theft report. 
This situation has caused undue harm to my credit profile and personal stress. I am requesting the CFPB to assist in compelling Experian to : Immediately remove the fraudulent inquiries. 
Confirm in writing that these entries have been deleted from my credit report. 
Thank you for your help in ensuring consumer protection and enforcement of federal credit reporting laws.

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 2025-04-17 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
According to CHASE XXXX Account No : Ending in XXXX " WE CONFIRMED THAT OUR REPORTING OF YOUR ACCOUNT IS ACCURATE. 
They sent me a letter on XX/XX/XXXX. They said DELINQUENCY DISPUTED IS VALID. 
I lease a car from XXXX, XXXX, NV XXXX XXXX and then I bought that car from them. Total amount paid in full. Since XXXX XXXX XXXX I never missed any payment Just XXXX payment didn't go through for their website updating or some kind of glitch. I informed them instant after that payment due date and they ensured me, they gon na fix that problem but unfortunately they didn't fix that problem. Now for their mistake my XXXX XXXX went down. On that letter they asked me to provide supporting documents. I hope they can check my all payments on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report I found these fraudulent activities. 
XXXX XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/year>, amount XXXX XXXX XXXXXXXX XXXX : acct number : XXXX Date opened : XX/XX/year> Amount, XXXX XXXX. XXXX XXXX XXXX : acct number : XXXX Date opened : XX/XX/year> Amount XXXX XXXX Credit XXXX XXXX acct number : XXXX Date opened : XX/XX/year> Amount : XXXX XXXX. The XXXX XXXX acct XXXX DATE opened : XX/XX/year> Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I used Venmo to collect rent from my tenant. The payment was made and completed without any issues, and I provided housing services as agreed. However, XXXX months later after the tenant had already been evicted for non-payment of rent they disputed the Venmo transaction. Shockingly, Venmo sided with the tenant and reversed the payment, despite the transaction being fully legitimate and documented. 

This sets a dangerous precedent : individuals can use Venmo to pay for services like rent, benefit from them, and then abuse the platform to dispute the transaction months later and get their money back. Venmo provided no real way for me to defend myself, and they are enabling fraud and misuse of their system.

This has caused a financial loss and shows how Venmo is not a secure platform for handling real financial transactions involving services like housing. Their policies are unfair and leave service providers like me completely unprotected.

Company response to consumer: Closed with explanation