vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attn XXXX Disputes XXXX, XXXX Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family. 

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within five days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate. 

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification. 

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-24 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:
Company states that I have a credit card with them that was opened in XXXX. I reached out to creditor and advised them that I had no knowledge of this account nor did I open it as I just became legal age in XXXX. I asked her to please remove from my report as it is hindering me from school as well as sending me a copy of the application, identification submit, and signature submit. Company has failed to provide proper details of application or thorough investigation. I submitted my Identification as proof of name address and age and creditor did not acknowledge.

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 2025-07-24 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: CA

Complaint narrative:
Company states that I have a credit card with them that was opened in XXXX. I reached out to creditor and advised them that I had no knowledge of this account nor did I open it as I just became legal age in XXXX. I asked her to please remove from my report as it is hindering me from school as well as sending me a copy of the application, identification submit, and signature submit. Company has failed to provide proper details of application or thorough investigation. I submitted my Identification as proof of name address and age and creditor did not acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company states that I have a credit card with them that was opened in XXXX. I reached out to creditor and advised them that I had no knowledge of this account nor did I open it as I just became legal age in XXXX. I asked her to please remove from my report as it is hindering me from school as well as sending me a copy of the application, identification submit, and signature submit. Company has failed to provide proper details of application or thorough investigation. I submitted my Identification as proof of name address and age and creditor did not acknowledge.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'I am a victim of identity theft and i discovered unauthorized accounts and inquires on my credit reports  i submitted identify theft reports and police report and ftc affidavit and sent dispute letters from my attorney the bureaus failed to remove these items as required under FCRA 1681c-2 block of information resulting identity theft i am asking to removed and  delete all fraudulent items i am asking these accounts be block and remove \n1.onemain account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-07-24 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: TX

Complaint narrative:
My credit report is listing outdated and incorrect personal information, including previous addresses and old employers. These addresses and employers are no longer associated with me and have not been for several years. This incorrect personal information poses a risk of mixed files and may link me to accounts or records that are not mine.

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 2025-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX I was contacted by a scammer pretending to be my bank ( Ally ). He said there was a suspicious charge, and I needed to go to XXXX XXXX, and send money, to " offset this charge ''. I recognized this as a scam, hung up, and immediately called my bank ( Ally ), and issued a fraud ticket on a suspicious charge to a XXXX account for the amount of {$1900.00}, to XXXX XXXX in XXXX  which HAD NOT gone through yet. ( I do NOT know this person, or anyone in XXXX, something I informed Ally of when I called and opened the fraud ticket ) I also froze my accounts so no other transactions could go through. Days go by, and I am never contacted by Ally, ( we are without any source of money ) so I call in on XXXX. When I answered my ID questions ( my mother 's maiden name & fav dog ), I failed because they had been changed. I am told by an Ally employee that someone called in, pretended to be me, somehow changed my security questions ( my mother 's maiden name ), and cancelled the fraud ticket. This allowed the transaction to go through. Ally never called the phone number on file to verify any of this, and never contacted me again. We've been without money since XXXX, and Ally never would have called, they just left my accounts in limbo because a scammer managed to convince them that my mother 's maiden name was somehow wrong, and the initial fraud ticket I filed was in error. Again, I only found this out because I called in. I reopened the fraud ticket, and the next day, another Ally representative tried to deny that my ID questions had been changed, but couldn't explain why they would allow the fraud ticket to be closed, why the correct answers failed when I called in, and why the transaction was authorized, if what the original Ally representative had said wasn't true. I believe Ally was in violation of the EFTA, and I want to warn others of these types of deceptive practices.

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 2025-07-24 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am disputing a collection account listed by XXXX XXXX XXXX  with an original creditor noted as XXXX XXXX XXXX. This account was opened on or around XX/XX/XXXX, and currently shows an unpaid balance of {$11000.00} as of XX/XX/XXXX on my Equifax credit report. 

I have never lived at, rented, or applied for housing at XXXX XXXX XXXX, nor have I ever conducted any business with XXXX XXXX XXXX. I was not notified of this debt prior to it appearing on my credit report, and I did not authorize this account in any way. I believe this account was opened fraudulently or in error, possibly as a result of identity theft. 

I have taken the following actions : I reviewed my credit report after noticing a score drop. 

I verified that I do not have any association with the property or company listed. 

I attempted to contact the company but was unable to verify any legitimate relationship. 

I am requesting a full investigation and removal of this account from my credit file. If the company can not provide proof of a signed lease or agreement directly linking me to this debt, this account must be deleted immediately as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
I tried to add money to my PayPal account and their system wouldn't let me do it. I tried several times for several days. I had an invoice to pay so that was the reason for me trying to add funds to my account. Because of this I had to find an alternative method of paying my invoice. I clicked on the Pay tab at the bottom of the invoice. It gave me options to pay the invoice. I used the option to use the balance in my PayPal account and then have them take the rest of the balance from my checking account. Their system is full of glitches which was the reason I couldn't add funds to my balance. This glitch kept changing my choice of options to pay the invoice to Take the balance from your bank balance. I didn't want that option because I do not keep that much money in that account. That is why I wanted to use the option to use my PayPal balance first. I Double checked which option was checked and hit the Pay now tab. I checked with the gentleman that sent me the invoice to make sure he was paid. He told me that the payment was pending for 4 days. I asked PayPal about this and they told me that this was normal and everything would be fine. After the 4 days I checked with the gentleman again and he said he had not been paid.Again, I checked with PayPal and they said it would go through. I had to do some banking with the account I used for the invoice and discovered that PayPal had sent the entire invoice to my bank. There wasn't enough money to cover it so I got and Overdraft fee of {$25.00}. I told PayPal about it and told them that they needed to reimburse me for it. They refused claiming I made the mistake so I decided to close my account with them. As of yesterday they are blocking my access to my financial information and are refusing to remove my bank card from their site. I was able to remove all my other cards but they insist on me leaving a card on my account which I closed. They refused to close my account for 72 hours and have been lying to me about issues on their site. I have both video and photo proof of them lying and when I told them that I knew about it they started to refuse to answer me. I want my bank card and all of my personal information removed from their system and they are refusing to do it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This letter serves as a formal dispute regarding unauthorized hard inquiries appearing on my credit file. I did not grant permission for these inquiries and am concerned about their legitimacy.

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 2025-07-24 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: MD

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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