vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The Credit Union is PENFED which is a short name for Pentagon Federal Credit Union. 
They will not provide online access to my accounts via my personal computer. I have access to all my other bank accounts and credit cards. This problem is over a month old. 
They have issued a service ticket XXXX XXXXXXXX. My PENFED branch is in XXXXXXXX XXXX XXXX XXXX XXXXXXXX. A XXXX XXXX XXXX XXXX, Executive Vice President, Member Operations, has sent me an email asking if I am satisfied with their service. 

The error message I get when I try to login is : We can't log you in because of the following error. 
No_Oauth_State : State was not valid

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 2025-07-09 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: WI

Complaint narrative:
The company 's website and phone numbers create a loop in the login process, making login unacceasible and users are forced to use outdated ID verifications that fail ID validation. This has been an active case for at least 2 years, the company known as Experian now has a very diluted reputation on its internet reviews and app stores. A previous complaint suggested dismantling the US consumer credit reporting system. Experian refuses to resolve this dispute with simple suggestions and has not attempted to reach out except for the identical two year old form letters with unaccessible email and phone numbers.

Case note : As an earmark ; CFPB 's website shows conduciveness, referring to usage of outdated or corrupt data. Please check ( and cross-reference ) your website ( s ). It currently is using information considered evidential by United States Code and Code of Federal Regulation attorneys.

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 2025-07-09 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
Complainant : XXXX XXXX Subject : Repeated Non-Compliance With the Fair Credit Reporting Act ( FCRA ) Failure to Reinvestigate or Verify Disputed Information Filed Against : Consumer Reporting Agency ( CRA ) Date of Original Dispute : XX/XX/XXXX Follow-Up to Initial Correspondence Dated : XX/XX/XXXX I, XXXX XXXX , am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the credit reporting agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute attempts over several months, the agency has failed to correct or remove inaccurate and unverifiable information from my credit report. 

This complaint specifically pertains to the agency 's failure to : Conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Provide a method of verification, including documentation and contacts, under 15 U.S.C. 1681i ( a ) ( 7 ) Maintain maximum possible accuracy in my consumer report under 15 U.S.C. 1681e ( b ) Disputed Accounts : XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Unauthorized or Questionable Inquiries : XXXX - XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issues and FCRA Violations : Despite the time elapsed since my initial dispute on XX/XX/XXXX, and follow-up on XX/XX/XXXX, I have not received : A description of the procedures and method of verification used Full contact information ( names, phone numbers, addresses ) of the furnishers of the disputed data Documentation relied upon during the reinvestigation These omissions represent a clear and willful violation of the FCRA. The credit reporting agency has had more than ample time to comply and provide full reinvestigation results. Their failure to do so demonstrates either negligence or intentional noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I WANT THESE FRAUDULENT HARD INQUIRIES BLOCKED AND REMOVED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

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 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I received notice from XXXX, a federal student loan servicer, that my federal student loans were to be transferred to CRI, a different federal student loan servicer, on XX/XX/XXXX. At the time my federal loans were in forbearance at XXXX due to an injunction on the federal SAVE plan, this happened on XX/XX/XXXX. While my account was in this forbearance, as described in the uploaded documentation, it would not accrue interest. My account listed on XXXX stated payments would resume in XX/XX/XXXX. 

Once loans had transferred to CRI, my account was still listed as in forbearance, however interest had started accruing. I had not received notice of a change to my forbearance, or loan, and therefore did not know interest would start accruing after the transfer of the loan. The account at CRI still lists payments as resuming in XXXX. 

I have contacted CRI numerous times, every individual I have spoken to has given a different answer on what will happen to the new interest accrued on the account. I have been told that I am in a different type of forbearance, with no documentation. I have been told the interest was a mistake and would be removed. I have been told most recently, on XX/XX/XXXX, that CRI is aware of the issue and will have more information soon, all the while my account has been accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had a resolved dispute with XXXX on XX/XX/year> and the amount of {$390.00}. I was told at the time that the funds would be in my account in the next three days it was not. Then I was told that I had to wait 15 business days from XX/XX/year> for a response from an internal email. The customer service representative sent to the dispute department over the Venmo customer support line. I have been told different explanations for why I needed to wait longer for the funds to be released into my XXXX  checking account each date that they tell me my funds will be there by the end of the day. My money is still not there. As of today. XX/XX/year> I am still being told to wait for internal emails from the dispute department to be sent to me when several have already been sent on my behalf to the dispute department and they have ignored every request for information on when my funds will be released. I am on the verge of filing a police report because I dont know what else to do to get my funds back as my bills are building up please help me to get my money back in total. It was {$770.00} and unauthorized transactions I received {$370.00} in credit until the investigation of that dispute is resolved but nothing as a credit or payment towards my resolved dispute in the amount of {$390.00}. thank you for any assistance that you can give me XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-09 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: AZ

Complaint narrative:
It's very important that these companies that report every month for late payments to properly and swiftly continue to update the bureaus. I have an Account with XXXX XXXX that ended up going into default, they have been reporting me for a few months now and shows the last updated account information as of XXXX, 2025 but we are now in XXXX of 2025. The company has since gave my account to their 3rd party partners to collect on the funds, but XXXX XXXX  are still the 100 % sole owners and also the company reporting and updating to all 3 bureaus every month which the last updated report was done XXXX of 2025. I made the full payment to XXXX which is the company partnered with XXXX XXXX on XX/XX/year>2025 in the amount of XXXX with a processing fee that brought it to XXXX. I received a " Paid in Full '' email from XXXX on XX/XX/scrub> 2025 stating that my XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in fact the account I paid on. Ive reached out to XXXX and they have also confirmed the payment but has yet to notify all the credit bureaus that this account should be changed to XXXX dollars owe and account was resolved by " Paid in Full ''. Please take a look at the attachments included with his complaint showing the payments, the account number, XXXX  confirmation and the reference numbers that match. XXXX isn't the party responsible for updating the 3 bureaus because they have never reported me XXXX XXXX is the responsible party. I asked that this matter is updated Immediately and to provided any type of dialogue that states otherwise.

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 2025-07-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a fraudulent account. Please remove. Attached I filed a FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

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
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
TRANSUNION UNKNOWN HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN UNKNOWN HARD INQUIRIES XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX - Inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XXXXXXXX XXXX XXXX XXXX - Inquired on XXXXXXXX XXXX XXXX XXXX- Inquired on 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