vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
This accounts has been previously disputed and came back as verified. However, no documentation or supporting evidence has been provided to substantiate the validity, accuracy, or ownership of the accounts a clear violation of my rights under the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
This accounts has been previously disputed and came back as verified. However, no documentation or supporting evidence has been provided to substantiate the validity, accuracy, or ownership of the accounts a clear violation of my rights under the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

{ ACCOUNT # XXXX XXXX  XXXX XXXX } The investigation into this account has taken longer than 30 days, and I have not received any updates on my credit report from the company. The previous investigation into the erroneous item was inaccurate and I demand a re-investigation immediately. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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 2025-04-10 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding a fraudulent medical collection account reported by National Recovery Agency for {$580.00}, tied to XXXX XXXX XXXX XXXX XXXX. This account is not mine and was the result of identity theft. I never received services, never authorized this debt, and did not sign any documentation associated with this account. 

I submitted a Federal Trade Commission ( FTC ) Identity Theft Report, my drivers license, and proof of residency to the data furnisher and the three credit bureausXXXX XXXXXXXX, and XXXX required. Despite this, the item remains on my credit reports, damaging my score and violating my rights. 

Under the Fair Credit Reporting Act ( FCRA ), once identity theft has been properly reported, the furnisher must block and delete the account from all credit bureaus unless they can provide verifiable documentation with my signaturewhich has not occurred. 

Additionally, since this is a medical debt, under HIPAA ( Health Insurance Portability and Accountability Act ), no personal health information should have been shared with or processed by a third-party agency without my authorization. This is a clear privacy violation.

I am requesting that this account be immediately removed from my credit reports across all three bureaus and that the furnisher be held accountable for their continued noncompliance 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I asked XXXX  to remove the loan rhat was yransferred to Mohela when i consolidated some time ago. XXXX  is STILL on my credit report but so also is Mohela. It shows up AGAIN as a mohela loan. They hummed and hawed when i called them and said well, we decided to wait til XXXX to remove it. WHAT? This is unacceptable and fraudulent. I no longer have ANYTHING with them and they need to remove it immediately from my report, or I am getting an attorney. It now shows I have TWO loans when I do not. It affects my credit poorly. They have STILL done nothing to remove it. XXXX  XXXX  Please help Thank you XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I requested the following : According to 15 USC1692G.

I requested Full payment history of this debt.

The ORIGINAL contract from the ORIGINAL creditor with my wet signature.The chain of title.

I also requested has any insurance claims been made of this debt.

I have not received any of these things above information as of yet. According to 15 USC 1692G if the above information has not been provided, this debt must be removed from my all of my credit reports.

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 2025-04-10 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: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-10 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: MS

Complaint narrative:
In XXXX I started searching the internet to get ideas of what kind of vehicle I wanted, the cost, trade in and monthly note. I thought the sales man seemed very honest but since XXXX of this year this auto dealership where I found an affordable fit advised me thst they had a great finance company instead of going thru my local bank. This said finance company told me it would be a hard inquiry and that it would only be on my credit report 30 days!! Well, until today 's date this company and this sales man I want charged with fraud! FOR I HAVE XXXX HARD INQUIRES THAT WILL BE ON MY CREDIT REPORT XXXX XXXX YEARS!!!!!! This auto dealer, aka XXXX XXXX XXXX in Tennessee violated my private information and lied to me. The salesman told me this ( XXXX ) XXXX CREDIT COMPANY OFFERED A REBATE IF I FINANCED WITH THEM REDUCING THE BOTTOM LINE COST OF THE XXXX!!! I AGREED TO THAT CREDIT COMPANY ONLY!!! 
NOTE : IM A XXXX WITH XXXX XXXX and " Had '' a decent score until now. As I said earlier I'm getting rejection letters from all of these companies I never heard of. In the meantime, still getting letters because some have run multiple times with same bank!!!! My score is in the tanks, I need to get a vehicle desperately because I'm alone with no family, no help and my AC is broken in my vehicle, which was my trade in ... .they knew this that when this started in XXXX I had no heat and was stranded!! It costs too much to fix on an older XXXX 
Since then, I found a letter to send to each and every bank and got back horrible letters that they will nit renew it and I should file a police report for identity theft!!! No help, the credit burea will not remove, they said I had to call this dealership. I did just that and the sales manager ran me around on circles with so many lies only to tell me " He would love to get me in a vehicle!! And that they were trying to find financing and this is how they shop for the best rates???????? This can not be legal. I'm soooo upset, my local banker told me the bank would not look approvingly on XXXX hard inquiries. He's planning to help me consolidated my credit cards and follow with the auto loan. Today it's XXXX degrees, it's too hot to get in my vehicle. I'm having my XXXX XXXX XXXX in XXXX and truly need this solved for come XXXX and XXXX, XXXX I'm XXXX with ko transportation because of this Salesman and Companies greed practices!! 
Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Equifax credit reporting agency block and/or delete 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 fraudulent account appearing on my credit report that I don't recognize, which I believe to be the result of identity theft. This account was opened with XXXX XXXX with the account number XXXX. The account was sent to collections and placed on my credit report with the amount of {$98.00}. I demand that the aforementioned fraudulent collections account be removed from each of my consumer credit reports pursuant to my rights within the FCRA and FDCPA laws. I've attached a screenshot of the collection account in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the collection as reported. The collection appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. The collection account is 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 the collection account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-10 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
XXXX  : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
National Credit Adjust

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: TX

Complaint narrative:
They have taken a small amount of money from my account but they're not providing the routing number or account number. It shows up as stars in the account instead of the proper numbers. They are sarcastically courteous but extremely unhelpful. I have emailed high level executives with no response. I have already stated that I will close my account in the end of XXXX but I need to have the information to set up direct deposit with XXXX XXXX social security card. Please intervene as Cash App is acting unprofessionally out of retaliation for my disclosure of their bank fraud. Thank you. XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I am filing this complaint against Experian for their failure to respond to my dispute letters and conduct an investigation into inaccurate and incomplete information on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I uploaded a dispute letter through Experians online portal, challenging several negative items and a bankruptcy entry on my credit report. The bankruptcy is reported inaccurately and with incomplete information, lacking the detail required by the FCRA. I included all necessary documentation, such as proof of identity and address, to comply with FCRA dispute requirements.

When I received no response within the 30-day timeframe mandated by the FCRA, I mailed a second dispute letter to Experian on XX/XX/year>, reiterating my concerns about the same negative accounts and bankruptcy. Again, I attached the required documents to support my dispute. As of XX/XX/year>, Experian has failed to respond to either dispute or provide any information about how they verified these accounts and the public record on my credit report. This ongoing refusal to investigate violates my consumer rights under the FCRA and suggests Experian has no intention of upholding their legal obligations. 
Experians inaction is causing significant harm to my creditworthiness and financial well-being, as these inaccurate negative items and incomplete bankruptcy reporting remain uncorrected on my credit report.

Experian violated the FCRA by : Failing to respond to my dispute letters dated XX/XX/year>, and XX/XX/year>, within the 30-day period required under 15 U.S.C. 1681i.

Neglecting to conduct a reasonable investigation into the disputed negative accounts and bankruptcy entry, as mandated by the FCRA. 
Continuing to report inaccurate and incomplete information, including an improperly detailed bankruptcy, in violation of FCRA accuracy standards ( 15 U.S.C. 1681e ( b ) ).

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 2025-04-10 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal is holding my money hostage with no explanation or chance to fix it Im writing this because Im genuinely frustrated and exhausted. PayPal permanently limited my account after I received {$140.00} from XXXX, where I sell clothes. Ive done nothing wrongI use the platform like thousands of others, and the money came from completely legitimate sales. Now theyve locked my account, and theyre refusing to give me my own money.

Ive begged them to verify my identity. I offered my passport, my ID, even my Social Security numberwhatever they needed to prove the account is mine and the money is legitimate. I explained where the money came from. I uploaded documents. Nothing. 

Instead, I got a robotic response saying the decision is final, cant be appealed, and I wont be getting my money. Thats it. No explanation. No help. Just you cant have your money. 

I needed that money for something important. And now its just stuck in a PayPal account XXXX cant even use anymore, with no way to talk to a real person or fix it. It honestly feels like they just stole from me, and XXXX cant believe a company is allowed to do this. 

Please help. I dont know what else to do. I just want whats mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
i reviewd my credit report and i noticed some fradulent accounts

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