vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I have received numerous text messages stating that I owed a debt {$710.00}. I always clicked on report junk on my iphone and still would get another text message almost daily. They said they were True Accord a debt collector. I looked them up and they are a debt collector. I told them that I keep receiving text messages about a debt I don't have, don't know what for etc. I talked to XXXX with True Accord and she needed my name. I didn't want to give my name and gave her my phone number and she said that she could not verify if they were contacting the right person without me giving them my name. I told her I have never received a letter or email stating I owe any debt, she still wouldn't tell me who she was trying to reach so I gave in and told her my name. They were indeed not contacting the right person. Their text messages give no information at all just an amount that is owed and a link to make a payment. They have probably sent similar debt collections to other people who do not owe the debt and others have probably just blindly paid something they did not owe.

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 2025-07-15 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: NV

Complaint narrative:
I am filing this complaint to address a fraudulent account that has reappeared on my credit report after previously being removed. This account does not belong to me and appears to be the result of identity theft or mixed information with another persons profile. Its reappearance is deeply concerning and damaging to my credit standing. I have already gone through the proper steps to dispute and remove this item once before, and the fact that its back on my report is a clear violation of my rights as a consumer.

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 2025-07-15 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:
I am begging for help! I am a victim of the Equifax Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the dark web! I recently reviewed my credit report and noticed multiple fraudulent accounts and inquiries on my report that I do not recognize. These accounts and inquiries do not belong to me! They are fraudulent! I am left suffering from the aftermath because of a mistake Equifax made. I fear for my life because these perpetrators know my address! Please remove them from my credit report because it is stopping me from obtaining credit, and causing a severe hindrance in my life! Remove within 4 days according to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX. XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXt on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX XXXX  ), a telecommunications account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX XXXX  ), a telecommunications account opened at XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-07-15 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: CO

Complaint narrative:
formally dispute the reporting of a 90-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Acct : DEP OF ED XXXX Reported Error : XX/XX/year> - 90-Day Late Payment This loan was previously under administrative forbearance during the federal student loan payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred. There are two accounts XXXX that still show on time/never late, these accounts should all be reporting the same as they are all a part of the same student loan account. 

I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred. 

Up until this error my Credit Report has shown On Time payment, even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/year>. Logically, if I was truly 90 days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately. 

I am requesting that the 90-day late payment notation for XX/XX/year> be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting. 

Please conduct a reasonable investigation into this matter. If the furnisher can not verify that I was properly notified of due dates and delinquency, and if the timeline of late payments can not be supported by factual documentation, the derogatory mark must be corrected or deleted. 

Please provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm writing to dispute two accounts that are showing up on my credit report. These accounts were opened without my permission, and I had nothing to do with them. I believe they were opened fraudulently using my personal information, and Im not responsible for any charges or balances related to them. 
Here are the account details : Bank of America Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} I've never applied for credit with either of these companies, and I didnt authorize these accounts. Please remove them from my credit report. 
Under the Fair Credit Reporting Act, I have the right to dispute and request the removal of inaccurate or fraudulent information. Ive already reported this as identity theft and provided the necessary documents. Please investigate and confirm in writing once these accounts have been removed. 

Thank you for your help.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was attempting to open a Paypal Debit Card. I have been with Paypal more than 20 years, but did not have a pre-paid debit card. I was following instructions from their on-line " messenger '' or bot. It asked me to go to my checking account and deposit {$300.00}. Yes, they specified it be {$300.00}. I did. I had not even logged off with my bank was {$280.00} was withdrawn. I did not even have the numbers to the card yet! It was charged to something called XXXX. I attempted to contact this company, but this is no such place. I went back to Paypal and they insisted it was authorized. Again, I was given no service and received no item. I have entered a claim ( twice ) and each time, the claim is denied, with the explanation " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. " It is listed that " This dispute has ended in the Seller 's favor '' I'll bet, because they ; re probably the seller!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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:
In XXXX, XXXX, and XX/XX/XXXX, late payments ( 30, 60, and 60 days respectively ) were reported on my credit file for a secured installment loan opened on XX/XX/XXXX, with a monthly payment of {$160.00}. However, I made payments on time during those months, and XXXX  accurately reflects a consistent " OK '' payment history for the same periods. 

I initially disputed the inaccurate reporting with the credit bureaus, and no valid documentation has been provided by the furnisher to support the late payment claims. The inconsistent reporting between XXXX/Experian and XXXX  further confirms that the negative marks are erroneous. 

Despite my effort to resolve the matter, the false late payment entries remain on my credit report, negatively affecting my creditworthiness. 

I am requesting that these entries be removed or corrected in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 1681i and 1681s-2, which obligate furnishers and credit reporting agencies to ensure accuracy and remove unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian did not properly investigate the disputed account, violating FCRA 1681i ( a ). 

Experians response shows they did not perform a reasonable reinvestigation of the disputed account. Instead of verifying the accuracy of the information through documentation, Experian simply relied on a superficial confirmation from the furnisher without obtaining or reviewing any actual evidence. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is legally required to : Conduct a reasonable reinvestigation of disputed items ; Forward all relevant information to the furnisher ; Delete or modify any item that is inaccurate, incomplete, or can not be verified. 

In this case : Experian did not provide the original signed contract or any proof of legal obligation ; Experian did not share the name or department of the person who allegedly verified the data ; Experian did not include any documentation from the furnisheronly a vague claim that it was verified ; Experian ignored my request for specific supporting documents, which they are obligated to obtain and provide if the furnisher claims the information is accurate. 

A true reinvestigation requires a review of actual records and evidencenot blind trust in a furnishers word. Without proof, the information is legally unverified and must be removed. 

Therefore, I am requesting the CFPB to : Reopen the investigation ; Require Experian to produce verifiable documentation, or delete the disputed item ; Investigate whether Experian violated FCRA 1681i ( a ) and take appropriate action.

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 2025-07-15 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: NY

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 : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a Chase Bank customer, and I am filing this complaint regarding unauthorized electronic withdrawals that affected my checking account ending in # XXXXXX/XX/XXXX 

Between XX/XX/XXXX and XX/XX/year>, a total of six electronic transactions were processed by a merchant named [ XXXX ] totaling {$26000.00} USD, without my knowledge or authorization..... 

Below are the unauthorized transactions : [ XX/XX/year> {$10.00} ] [ XX/XX/year> {$5500.00} ] [ XX/XX/year> {$2500.00} ] [ XX/XX/year> {$3000.00} ] [ XX/XX/year> {$5000.00} ] [ XX/XX/year> {$10000.00} ] I never authorized any transaction, transfer, or business relationship with XXXX. I reported the fraud to Chase on XX/XX/year>, within the timeframe established by law. However, Chase denied my claim, stating that the transactions were processed correctly, without providing any valid proof of authorization.... 

This denial violates the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ), which grants consumers the right to be reimbursed for unauthorized electronic transactions, as long as they are reported in a timely manner which I did..... 

I am requesting the CFPB 's intervention so that Chase complies with its legal obligations and reimburses the {$26000.00} that was fraudulently withdrawn from my account...... 

I am attaching the denial letter issued by the bank and the list of disputed transactions.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

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 2025-07-15 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: NM

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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