vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 a 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 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 2025-07-03 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 CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint. The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

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 2025-07-03 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: DE

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 DE XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-03 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:
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 XXXX XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

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 2025-07-03 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: CA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  froze my account on XX/XX/year>, and placed a 180-day hold on my funds, which totals {$850.00}, I was told that the hold was due to a violation of the user agreement, but I was never given a clear explanation or documentation to support this claim.

I have reached out to Venmo support several times, but Im always told the same thing to wait until the 180-day period is over. I have not engaged in any fraud, scams, or prohibited activity. This money is personal and needed for family expenses, and the ongoing hold is causing severe hardship. 

According to their own timeline, the 180-day hold is set to end on XX/XX/year>. I am requesting the immediate review and release of my funds or a written, evidence-based explanation for the ongoing hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX I started to receive an Account Statement from Home Depot. It was for an account that someone else opened and the last XXXX digits of the account are XXXX. I did not open the account and immediately checked my credit information but I don't have an account with Home Depot. The credit bureaus confirmed that as well.

I then tried to call Home Depot on the line but when you get to the Account section you either need to input your SSN or the 9 digit account number. When I typed my SSN it didn't have an account associated with that.

The bill I get each month has a balance of {$2400.00} with a late fee of {$29.00}. 

It does has my name as XXXX XXXX XXXX which is incorrect but does have my address which is correct. 

XXXXXXXX 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 2025-07-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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:
There is a fraudulent collection account on my credit report that doesnt belong to me and its financially hurting me and my family, please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I took out a loan for {$800.00} with XXXX  and have already repaid {$1000.00} through XXXX ACH withdrawals. Despite this, XXXX  insists I still owe {$820.00}. 

I contacted XXXX  to request an ACH stop, a hardship-based settlement, or for the account to be marked as Paid in Full based on the excessive amount Ive already repaid. I also asked for a full loan breakdown and written response. 

XXXX  acknowledged the ACH stop and confirmed receipt of a manual payment. However, they refused to respond meaningfully in writing. They offered to settle the account for {$820.00}, either in 5 monthly payments or XXXX biweekly payments, but required that I call in to accept. This is unacceptable. I made multiple clear requests to resolve this matter in writing only, and XXXX refusal to communicate outside of phone calls feels intentionally obstructive. 

They failed to provide the loan breakdown or respond to my hardship request. I am now filing this complaint to document their lack of written transparency, refusal to honor a hardship-based settlement request, and to request relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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 INQUIRIES : XXXX XXXXXX/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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
am filing this complaint because the SYNCB/CARECR account reporting on my credit file is the result of identity theft and does not belong to me. I did not open this account, authorize its use, or benefit from it in any way. 

I have submitted a formal dispute with the credit bureaus under my rights granted by the Fair Credit Reporting Act ( FCRA ), including sections 15 U.S.C. 1681g ( e ), 1681c-2, and 1681s-2. I have also provided proof of identity and an FTC Identity Theft Report. Despite this, the account remains on my credit report, causing ongoing harm. 

I am demanding that this fraudulent account be permanently removed from all of my credit reports. Please investigate and ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: DC

Complaint narrative:
my rights was violated as a consumer under 15usc1681b and need to be blocked and remove from my credit report. XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX account number date open XXXX XXXX XXXX XXXX  account number XXXX date open XXXX XXXX  XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX account number XXXX date open XXXX XXXX account XXXX date open 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 2025-07-03 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: DC

Complaint narrative:
my rights was violated as a consumer under 15usc1681b and need to be blocked and remove from my credit report. XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX account number date open XXXX XXXX XXXX XXXX  account number XXXX date open XXXX XXXX  XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX account number XXXX date open XXXX XXXX account XXXX date open XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received multiple calls dating back to XX/XX/year> from XXXX, XXXXXXXX XXXX XXXX, who claim to be a law firm collecting on a really old debt and threatening legal action. I spoke with " mediation specialist '' XXXX XXXX. I have a recording of the exchange plus a the voice mail stating that I have until Tuesday, XX/XX/XXXX to pay in full otherwise they will proceed with the civil case. They claim to have sent notices to addresses where I have not claimed residence in over 15 years, and argue that I am not compliant ( even though I have provided them in multiple occasions with my current address. the phone number they called me with the robocall from the " processing department '' was ( XXXX ) XXXX. Then they transferred me to a live agent ( the information I provided above. Followed by the voicemail from XXXX, for which I am attaching a transcript : " Hello, this is Mediation XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX. We were contacting you regarding a line of credit from our client, Chase Bank. You did provide paid in full information for {$1.00} file that you're being pursued for, but the line was disconnected when we were trying to get notice regarding another file that you're being pursued for by Chase Bank. At this point in time, due to the recording conversation, we're going to establish that you are combative and non-compliant with mutation options, that you're depending on avoiding contact because you believe we do not have your current residence, and we will move forward with the judgment. You do have until Tuesday of next week, to make contact with me to pay your balance in full .My direct number is XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
RE : DEMAND FOR DELETION OF ALL FRAUDULENT ACCOUNTS - FTC IDENTITY THEFT REPORT # XXXX To Whom It May Concern, This letter serves as a final, formal demand to delete and block all fraudulent accounts associated with my FTC Identity Theft Report # XXXX, submitted XX/XX/XXXX. These accounts were not opened by me, and all supporting documents, including my personal statement, account list, and timeline have been previously provided. Under FCRA 1681c-2 ( a ), you are legally required to block identity theft-related information within four ( 4 ) business days of receiving proper documentation. XXXX fully complied. TransUnion, Experian, and Equifax have now exceeded this deadline by over 20 days. This failure constitutes willful noncompliance. 
ALL FRAUDULENT ACCOUNTS TO DELETE : * XXXX. XXXX, XXXX. - Acct # : XXXX | Opened : XX/XX/XXXX | XXXX : {$680.00} * XXXX. XXXX XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$8900.00} * XXXX. XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$440.00} * XXXX. XXXX - XXXX XXXX. of Education - Acct # : XXXX | {$33000.00} opened XX/XX/XXXX and {$38000.00} opened XX/XX/XXXX LEGAL VIOLATIONS : * FCRA 1681c-2 ( a ) : Failure to block fraud accounts in 4 days * FCRA 609 ( a ) ( 1 ) : No verification documentation provided * FCRA 611 ( a ) ( 1 ) : Failure to reinvestigate disputed data * FCRA 611 ( a ) ( 7 ) : No procedural description offered * FCRA 1681e ( b ) : Reporting inaccurate information without verification * Metro 2 : Improper late payment formatting and misreporting of account status If any of these accounts are reinserted after deletion without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including a written notice and furnisher certification, this will constitute a new legal violation. 
DOCUMENTS PREVIOUSLY PROVIDED : * FTC Identity Theft Report # : XXXX * Signed personal identity theft statement * List of fraudulent accounts and inquiries * Timeline of communications and disputes DEADLINE & LEGAL NOTICE : You are given three ( 3 ) calendar days from receipt of this letter to delete all listed fraudulent accounts and provide written confirmation. If you fail to do so, I will take the following actions : * File a civil lawsuit under FCRA 1681n and 1681o * Submit updated complaints to the CFPB, FTC, and Attorney General * Demand discovery for all e-OSCAR entries, Metro 2 logs, and communications with furnishers You are now on legal notice.

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