vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-30 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2025-05-30 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IN

Complaint narrative:
I have submitted multiple disputes and they are failing to provide me with descriptions of the investigation procedure or documents proving that these items belong to me. According to 15 USC 1681i ( 7 ) states if requested by consumer this must be provided within 15 days in order to be in compliance with FCRA guidelines. Experian, Transunion and Equifax have failed to do so. Experian is constantly updating inaccurate account information. All these accounts need to be removed XXXX XXXX XXXXXXXX Account number : XXXX Account number : XXXX Account number : XXXX  Account number : XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX ( repeated across multiple entries ) XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. US DEPT OF EDXXXX Account number : XXXX Account number : XXXX XXXX. XXXX XXXX XXXX ( Collection ) Account number : XXXX They have also failed to remove addresses that are not mines 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 2025-05-30 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: IN

Complaint narrative:
I have submitted multiple disputes and they are failing to provide me with descriptions of the investigation procedure or documents proving that these items belong to me. According to 15 USC 1681i ( 7 ) states if requested by consumer this must be provided within 15 days in order to be in compliance with FCRA guidelines. Experian, Transunion and Equifax have failed to do so. Experian is constantly updating inaccurate account information. All these accounts need to be removed XXXX XXXX XXXXXXXX Account number : XXXX Account number : XXXX Account number : XXXX  Account number : XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX ( repeated across multiple entries ) XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. US DEPT OF EDXXXX Account number : XXXX Account number : XXXX XXXX. XXXX XXXX XXXX ( Collection ) Account number : XXXX They have also failed to remove addresses that are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} BANKRUPTCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : FACTUAL DATA XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm a victim of identity theft and misinformation on my credit report. I've contacted the credit bureaus and companies in question 3 times without any response. This false information has made it impossible for me to obtain credit and new housing. I need these mistakes to be corrected and deleted immediately. 

Attached you will find my FTC report and ID for verification.. 

Fraudulent inquiries and accounts : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$2500.00XXXX XXXX XXXXXX/XX/XXXX? XXXX XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XXXX {$7500.00} I appreciate your prompt response with this matter..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I'm a victim of identity theft and misinformation on my credit report. I've contacted the credit bureaus and companies in question 3 times without any response. This false information has made it impossible for me to obtain credit and new housing. I need these mistakes to be corrected and deleted immediately. 

Attached you will find my FTC report and ID for verification.. 

Fraudulent inquiries and accounts : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$2500.00XXXX XXXX XXXXXX/XX/XXXX? XXXX XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XXXX {$7500.00} I appreciate your prompt response with this matter..

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Today, XX/XX/year> i was advised to contact Chex Systems due to opening an account they kept hanging up on me after giving my information and i never got my report.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/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 explanation
Consumer complaint received 2025-05-30 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 ordered an item online & paid through PayPal. I changed my mind & cancelled the order & filed a dispute with PayPal. PayPal told me that they fronted me a refund before the seller responded. I reached out to the seller & they said that they issued me a refund to my bank account, but I have no record of the seller refunding me on my bank statement. The only transaction I see is from PayPal. Now PayPal is saying that I owe them the refund back. I've called PayPal customer service XXXX XXXX & they just give me different answers. I told them that I was filing a complaint with the BBB, they hung up on me. I've read several recent reviews from other people on the BBB site who are also being cheated out of their money from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXXXXXX XXXX XXXX 3 ) -XXXX  XXXX XXXX Incorrect Address ( es ) : Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct XXXX XXXX XXXX XXXX XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information The account in question is a XXXX XXXX XXXXXXXX credit card account ( ending in XXXX XXXX XXXX XXXX ) that was closed on XX/XX/XXXX. However, Equifax continues to report : A balance of {$13000.00} as of XX/XX/XXXX Multiple late payments in XXXX and XXXX, even though the account was closed in XXXX A derogatory status and late payment history without any documented basis This is a blatant reporting inaccuracy. Once an account is closed, no further payment history can be accurately reported unless it is reactivated or legally validated, which has not occurred here. The account status, remarks, and historical data are completely inconsistent with FCRA compliance. 

Even more concerning is that Equifax has already deleted two other XXXX XXXX XXXXXXXX accounts from my report after prior disputes, as well as a negative XXXX XXXX account. Yet this third XXXX XXXX  XXXX account remains, with no explanation. This selective deletion shows arbitrary handling of disputes and reinforces the failure to apply proper reinvestigation procedures across all accounts equally. 

I have formally disputed this account, and Equifax responded with generic remarks such as reinvestigation in progress without providing any documentary proof or correcting the false payment reporting. This is unacceptable and deceptive. 

Finally, I would like to emphasize that TransUnion was recently ordered to pay {$23.00} million to consumers for similar misconduct and reporting violations. Equifax is on the same track if it continues these abusive and unlawful practices. 

I demand the immediate deletion of this inaccurate account and full compliance with federal law. If not resolved promptly, I will pursue further legal action for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-05-30 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: TX

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-30 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: GA

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am writing in response to items on my credit regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment ( if applicable ) ; 4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature. 
6. Proof that the statute of limitations has not expired. 

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA. 

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TN

Complaint narrative:
I made a payment of {$150.00} on XX/XX/year>, with a confirmation # XXXX. The funds then exited my bank account on XX/XX/year>. The payment disappeared entirely from Edfinancials website and the money was not applied to my loans. I spoke to a chat agent about another payment that mysteriously disappeared from their site despite my bank account being billed and was told they have a delay. Money was taken from me and not applied to my loans.

Company response to consumer: Closed with explanation