vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
Please delete the following fraudulent accounts. They do not belong to me. I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX I also did not authorize the following inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I am requesting the removal of negative items from my credit report that are inaccurate, outdated, or unverifiable, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA Section 609, I have the right to request full verification of any account reported, including original signed contracts. FCRA Section 611 gives me the right to dispute any item I believe is inaccurate, and if it can not be verified within 30 days, it must be deleted. Additionally, FCRA Section 623 requires furnishers to report accurate and complete information and to conduct reasonable investigations when a dispute is filed. For third-party debt XXXX, FDCPA XXXX XXXX gives me the right to request debt validation. Failure to respond with sufficient evidence violates my consumer rights. 



These negative items remain on my credit report despite multiple disputes and verification requests, which constitutes non-compliance. Under 15 U.S. Code 1681n and 1681o, I reserve the right to seek damages for willful or negligent noncompliance with the FCRA. I am requesting the CFPB to investigate this matter and enforce the deletion of any unverifiable or inaccurately reported items in accordance 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 2025-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b"Subject : Request for removal of -ve Reporting to the Bureau with immediate effect\n\nTo whom it may concern \nDear Sir/Madam,\nI am writing to request the immediate removal of adverse information reported to the credit bureaus concerning my XXXX  account for XXXX XXXX. I have been a loyal XXXX  member for over one and a half decades.\nThe negative reporting stems from a payment shortfall of XXXX XXXX XXXX XXXX This occurred because XXXX  system currently lacks the functionality to automatically withdraw the minimum payment due from an external account, a standard feature offered by other institutions I use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there are many ). Consequently, I utilize XXXX XXXX XXXX XXXX  service, configured for a fixed automatic payment of $XXXX  monthly. In XXXX, the required minimum exceeded this fixed amount.\nUpon notification in latXXXX XXXX XXXX, I immediately remitted $XXXX, covering the shortfall and the subsequent payment, which was credited in early XXXX XXXX. This demonstrates my commitment to fulfilling my obligations.\nThis adverse reporting, which stems directly from a limitation in XXXX  available payment options rather than any negligence on my part, has unfortunately resulted in a quantifiable decrease of XXXX  points to my credit score. This reduction now critically impacts my ability to secure essential financing, specifically an education loan required for my son. It is unacceptable that I bear the significant negative consequences of this credit score impact, especially regarding my son's education, due to a known limitation within XXXX  own systems. Therefore, I formally request that XXXX  take immediate action to retract the negative report submitted to the credit bureaus regarding this incident.\nFurthermore, I strongly recommend XXXX  implement functionality allowing members to establish automatic minimum due payments from external accounts to prevent such issues in the future.Meanwhile I will ensure on my part that this never happens.\nThank you for your prompt attention to this critical matter. I anticipate confirmation of the requested correctionXXXX 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 2025-04-26 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: NC

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AGAIN I was denied for a loan because " Equifax doesn't match your other credit reports '' CFPB is reporting this case responded to and closed it. The case has never been responded to, only repeated back, and is still fully open. 

Both I and XXXX XXXX Bank brought to Equifax and CFPB that the falsification of my credit card has been investigated and Equifax is negligent. 

Equifax sends the below every 30 days : " Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. 

AGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( Resolved : credit card is not reporting. '' THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. 

Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. 
Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. 

AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am filing this complaint because I reported a fraudulent transaction to XXXX immediately after it occurred and provided a valid police report number. Despite this, XXXX failed to halt the transaction or conduct a proper investigation. 

Furthermore, XXXX is now attempting to collect funds for this unauthorized transaction, even though no money was withdrawn from my bank account. This has resulted in a negative balance on my XXXX account and has led to collection attempts by PayPal , Inc . 

I request that XXXX and PayPal, Inc. cease all collection activities related to this matter and rectify my account balance accordingly. 

Venmo had the opportunity to stop transfer to the fraudster, and the fraudster said they hadn't recieved the money yet. Why is it that my bank was able to stop payment, but XXXX can't stop payment even though i notified them exactly the same time, even though a police resort number was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00}, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4100.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2600.00}, an account opened at XXXX XXXX XXXXXXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$540.00}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$600.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, who arbitrarily shut down my accounts with them for a so-called " investigation '' without providing proper notice to me, has reported my credit card payment to them 30+ days late. I have had NO access to the credit card statement, credit card account or bank account for at least a month. 

There are multiple aspects to this, so please refer to complaint # XXXX filed on XX/XX/year> ( attached ). I phoned in on XX/XX/year> ( and months prior regarding separate issues, which were also not resolved ) but it was not until XX/XX/XXXX that I learned my account had been closed due to weird activity. It was at that time that I learned a check that I deposited had been returned. Apparently, the check was a bad check, but I had no idea because I rarely use the account I deposited into. This was all a surprise to me. After filing my initial complaint with CFPB, I started receiving emails from a XXXX XXXX at the XXXX Customer Service Center, to which I responded, but never received a reply to. 

I reiterate, XXXX now reported my card payment with them late which has caused resulted in negative effects, causing my credit/FICO score to plummet by almost XXXX points! This is unacceptable and needs to be reversed. Again, I CAN NOT see credit card statements, when payments are due, etc., because XXXX has disallowed me access to all of my accounts ( banking, credit card ), including online services, but are STILL sending reminders to look at my digital statements and harassing me with automated calls to make payments that I can not even review a statement for. As far as I'm concerned, they've rendered my alleged debt to them null and void based on their action of shutting down my accounts and removing my access to view accounts they are claiming I owe on, but have stripped me of the ability to verify or see any sort of reporting on. 

These negative/delinquent reports need to be reported as mistaken and removed from all three credit bureaus/agencies IMMEDIATELY. Being that I can't even see anything, and XXXX sneakily and without warning disallowed me access, who knows what else is going on behind the scenes. This looks extremely nefarious and completely unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, who arbitrarily shut down my accounts with them for a so-called " investigation '' without providing proper notice to me, has reported my credit card payment to them 30+ days late. I have had NO access to the credit card statement, credit card account or bank account for at least a month. 

There are multiple aspects to this, so please refer to complaint # XXXX filed on XX/XX/year> ( attached ). I phoned in on XX/XX/year> ( and months prior regarding separate issues, which were also not resolved ) but it was not until XX/XX/XXXX that I learned my account had been closed due to weird activity. It was at that time that I learned a check that I deposited had been returned. Apparently, the check was a bad check, but I had no idea because I rarely use the account I deposited into. This was all a surprise to me. After filing my initial complaint with CFPB, I started receiving emails from a XXXX XXXX at the XXXX Customer Service Center, to which I responded, but never received a reply to. 

I reiterate, XXXX now reported my card payment with them late which has caused resulted in negative effects, causing my credit/FICO score to plummet by almost XXXX points! This is unacceptable and needs to be reversed. Again, I CAN NOT see credit card statements, when payments are due, etc., because XXXX has disallowed me access to all of my accounts ( banking, credit card ), including online services, but are STILL sending reminders to look at my digital statements and harassing me with automated calls to make payments that I can not even review a statement for. As far as I'm concerned, they've rendered my alleged debt to them null and void based on their action of shutting down my accounts and removing my access to view accounts they are claiming I owe on, but have stripped me of the ability to verify or see any sort of reporting on. 

These negative/delinquent reports need to be reported as mistaken and removed from all three credit bureaus/agencies IMMEDIATELY. Being that I can't even see anything, and XXXX sneakily and without warning disallowed me access, who knows what else is going on behind the scenes. This looks extremely nefarious and completely unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
Transunion equafax XXXX it dont shows anything at all XXXX credit score and empty page

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, inconsistent, and unverifiable information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ), and 604 ( a ), as well as Metro 2 compliance standards. 

On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted multiple formal disputes directly to the credit reporting agencies concerning both inaccurate tradelines and unauthorized or unverifiable credit inquiries. 

The accounts and inquiries disputed include, but are not limited to : Unauthorized inquiries by XXXX XXXX ( TransUnion ), XXXX XXXX  ( Experian )XXXX XXXX XXXX XXXXXXXX XXXX ( Experian ), which violated FCRA 604 ( a ) ( lack of permissible purpose ).

Inaccurate account reporting related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX involving conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting of balances after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for all disputed items. The credit reporting agencies failed to provide proper MOV, failed to correct the inaccura
te data, and failed to delete unverifiable information within the 30-day investigation window, violating FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). 

I have attached copies of my dispute letters submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year> for CFPB review. 

Due to the agencies failure to properly reinvestigate and their repeated violations of FCRA and Metro 2 guidelines, I am requesting that the CFPB intervene and require the credit reporting agency to permanently delete all inaccurate, unverifiable accounts and

unauthorized inquiries as the lawful and fair remedy.

Retention of inaccurate tradelines and unauthorized inquiries is causing ongoing harm to my creditworthiness and violates my federal consumer rights.

Company response to consumer: Closed with non-monetary relief