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

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Experian, Transunion, and Equifax ( via certified mail, with return receipt ) regarding inaccurate and unverifiable information on my credit report. I asked for a full accounting of the alleged debt including an itemized statement, a copy of the original signed agreement proving my obligation to the debt, proof that they have the legal right to collect the debt including a chain of custody showing ownership, and verification of a completed investigation including a copy of my credit report with updated changes. Under the FCRA, they are required to investigate and respond within 30 days, and I have not received any response or results of an investigation.This lack of response violates 15U.S.C. 1681i.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are several incorrect name variations currently appearing in my credit file. These names do not reflect my actual legal identity and are causing confusion and potential harm. My legal name is XXXX XXXX XXXX XXXX. I have highlighted the inaccurate versions in my attached partial report for reference and correction. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of all information they report. Continuing to publish wrong or unauthorized name variations clearly violates this law. Additionally, under 15 U.S.C. 1681b, any information reported or shared must be done only with a permissible purpose. Reporting false name data without my consent is not legally justified. These inaccuracies directly impact my creditworthiness, and I am requesting immediate correction. Each violation may be subject to damages of up to {$1000.00}, as provided under 15 U.S.C. 1681n for willful noncompliance. I am submitting this complaint in good faith. I expect the necessary updates to be made immediately and in full accordance with 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 2025-07-07 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: SC

Complaint narrative:
My information was leaked in a XXXX XXXX breach and I would like to have the following negative accounts removed. Acct # XXXX. Acct # XXXX. Acct # XXXX. Acct # XXXX. Acct # XXXX. Acct # XXXX XXXX XXXX Acct # XXXX. Acct # XXXX. Acct # XXXX. Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
I have submitted multiple formal dispute letters to [ XXXX ] regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-07 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:
Upon reviewing my credit file, I found a collection account that does not belong to me and for which I have received no prior notification or validation. I have not signed for or agreed to this alleged debt, and no information has been provided to confirm its legitimacy.

In accordance with consumer protection laws, including the Fair Credit Reporting Act, this account should not be reported in the absence of proper verification.

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

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In line with USC 1681g, I am formally requesting their removal within 15 days. All relevant documentation has been enclosed for your review. It is also important to note that the information reported varies and is inconsistent across the credit bureaus.

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I was the victim of a scam and my bank, XXXX, refunded me {$5000.00} after concluding that fraud had occurred. The fraudster tricked me into sending XXXX personal payments through PayPal totaling {$5000.00}. I immediately reported this to both PayPal and my bank. XXXX conducted an investigation and issued a chargeback because it was clear that I was misled and defrauded. I shared this fraud documentation with PayPal. 

Despite clear evidence of fraud and the fact that my bank validated and refunded the transaction, PayPal continues to hold me responsible for the negative balance that resulted from those payments. They claim the transactions are not unauthorized because I was logged in at the time disregarding the context of deception and manipulation that defines fraud. 

PayPal has refused to resolve this situation or consider the fraud documentation I provided. They are now threatening to send this balance to collections, despite the fact that this is a disputed and fraudulent debt. I am requesting that the CFPB intervene to stop PayPal from pursuing collection on this invalid and unjust debt, and to ensure they properly investigate consumer fraud beyond just login activity. 

I want this debt cleared and PayPal to acknowledge the banks findings and my victim status.

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

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-07-07 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: LA

Complaint narrative:
Upon reviewing my credit report, I noticed a hard inquiry that I did not authorize. I have not submitted any recent credit applications, and I have no knowledge of this inquiry being initiated with my consent.

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 2025-07-07 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On or around XX/XX/year>, I made a transaction with XXXX for {$120.00}. At some point later that night, someone remotely hacked and took control my phone ( I believe it was actually my computer that was originally hacked, and my phone was hacked at some point when I connected it to the hacked computer ) while I was asleep, and made XXXX deposits ( for {$25.00}, {$170.00}, and {$1000.00} ) to a different account with XXXX. The third of these transactions ended up requiring verification via a confirmation text sent to my phone, which the hacker was able to confirm since he had control of my phone. I immediately reported the fraudulent transactions to my bank, Wells Fargo, as soon as I saw them when I woke up, and proceeded to erase my phone and computer to ensure the hacker would no longer have access to/control of my devices. I canceled the debit card, and filed a fraud claim for the XXXX transactions on XX/XX/year> as soon as the transactions had posted. On or around XX/XX/year>, Wells Fargo removed the third transaction ( for {$1000.00} ) from my claim, informing me that it was denied because the transaction had been verified via text message, this despite the fact that I had already explained that the transactions occurred by someone taking control of my phone, which would give them access to my texts as well. Eventually, around the end of XXXX or beginning of XXXX ( not sure of the date ), Wells Fargo completed their investigation ( which actually violated Regulation E, as per Regulation E, they were required to complete their investigation and resolve the dispute withing 45 days of the date the dispute was filed, which would have been XX/XX/year>, and they didn't close the claim until at least a week later, despite my having notified them several times that they were in violation of Regulation E ) and found the other XXXX transactions as fraudulent, but informed me that they could not reverse their decision on the third transaction for {$1000.00}, even though all three transactions were clearly made by the same individual, made with the same merchant, and with the same account, which would mean that the third transaction is clearly also fraudulent by virtue of the other XXXX being fraudulent and all three having been made by the same person around the same time. The only reason the dispute for this transaction was denied was due to the verification text, which does not account for my cellphone not being in my control, and thetefore is on its own insufficient evidence to conclude the transaction as authorized, particularly when the other transactions were determined to be unauthorized. I have since closed the account. I am asking that I be refunded the {$1000.00} that was fraudulently spent from my account.

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 2025-07-07 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:
An unauthorized hard inquiry recently appeared on my credit report. I have strong reason to believe this entry may be the result of fraud or an administrative error. I did not authorize any such activity and have no ties to the party responsible for the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information.

It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXXXXXX XXXX. XXXX request a thorough into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.

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 2025-07-07 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing this dispute on my own behalf. The following accounts were not authorized by me, and I did not grant permission for any party to access my credit information or open these accounts in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumers who are victims of identify theft have the right to block fraudulent information from their credit reports. I am also requesting an investigation in accordance with FCRA 611 ( 15 U.S.C. 1681i ), which requires a reinvestigation of any disputed information in a consumers credit file. I did not authorize any hard inquiries or credit pulls by these entities and request that all the following items be investigated and removed : 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

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 2025-07-07 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: WI

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX 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