vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 am submitting this complaint against Experian/ equifax /transunion for failing to remove inaccurate and fraudulent information from my credit report. I am a victim of identity theft, and despite submitting disputes along with supporting documentation, Experian has not properly investigated or corrected the false entries.

This ongoing negligence is damaging my credit and affecting my financial stability. If this matter is not resolved immediately, I will pursue legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance to ensure Experian takes appropriate action to remove the fraudulent and inaccurate information from my credit report. 

Thank you for your attention to this urgent matter. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3XXXX 4XXXX 5XXXX XXXX 6.XXXXXXXX XXXX 7XXXX. XXXX XXXXXXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXXXXXX XXXX 10.XXXX XXXXXXXX 11.XXXX XXXX 12.XXXX XXXX XXXX 13.1XXXX XXXX XXXX  14.phone numbers 15.addresses Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Experian is required to investigate disputed information within 30 days and correct or delete any inaccurate entries.

Furthermore, under 15 U.S.C. 1681c-2, I have the right to request a block on any information resulting from identity theft, yet Experian continues to report these accounts.

This negligence is damaging my credit and is a clear violation of federal law.

If Experian does not take immediate corrective action, I am prepared to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which allow for damages due to willful or negligent noncompliance.

I request the CFPBs assistance in ensuring Experian complies with the FCRA and removes the fraudulent information from my credit report.

In addition, 15 U.S.C. 1681c-2 gives me the right to request a block of any information resulting from identity theft. I submitted the necessary documents, including my identity theft report, and Experian is still violating this provision.

Experians repeated disregard of federal law is causing significant damage to my credit, my ability to obtain housing, employment, and peace of mind. This is a clear violation of 15 U.S.C. 1681n and 1681o, which entitles me to pursue legal action for willful and negligent noncompliance including actual damages, punitive damages, and attorneys fees.

If immediate action is not taken to remove this information and ensure full compliance with the FCRA, I will escalate this matter legally and publicly. I am requesting the CFPB to take enforcement steps against Experian and compel them to delete the fraudulent and harmful data from my report without further 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
To : Portfolio Recovery Associates , LLC From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX You are hereby notified that you must cease and desist all collection activities until proper validation is provided. 

Reposting this debt to any consumer reporting agency without proper validation is a violation of 15 USC 1692e8 and 15 USC 1681s2b.

Failure to comply constitutes willful noncompliance under FDCPA and Fair Credit Reporting Act, and subjects your agency to damages under 15 USC 1681n. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX entity ir reporting a charge on my credit bureau that i do not authorize or recognize and according to the articles 15 U.S.C 1681 e ( b ) 15 U.S.C 1681i ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX entity ir reporting a charge on my credit bureau that i do not authorize or recognize and according to the articles 15 U.S.C 1681 e ( b ) 15 U.S.C 1681i ( 5 ).

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 2025-04-16 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 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 non-monetary relief
Consumer complaint received 2025-04-16 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:
There are inaccurate on my Transunion credit report that no not belong there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
A payment was made to your organization in XXXX of 2024 from my employer, XXXX XXXX XXXX XXXX in the amount of XXXX. This payment was made during the transition of your company. The payment was made to the former account ( please see above ) it was sent to the address, XXXX XXXX XXXX XXXX XXXX MO, XXXX. 
I spoke to a representative four months ago, she indicated that my payment has been received and located. She assured me that the payment would be applied to my account. Since our conversation, the payment has yet to be applied to the balance, it has been four months since her promise, and a year since you received the payment.

I have been on hold with your company, MOHELA for a total of 13 hours trying to resolve this particular issue without resolve. Please apply my payment to my balance, return the money or put in writing why you are refusing to do either.

In addition, another payment from my employer was sent to the new account number XXXX, this year in the amount of XXXX dollars. This payment has also yet to be applied to my account. 

At this time there is an outstanding XXXX that MOHELA is holding and will not apply to my XXXX XXXX XXXX balance. 

Please contact me with how you plan resolve this matter, I am no longer interested in sitting on hold for 4 hours at a time pleading with your representatives to convince this organization to do the right thing. 
I can be reached at any time by any means of contact. 

This is the letter i sent to them Basically my employer sent them money and they refuse to place on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax 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 receiving this complaint.

The fraudulent, inaccurate, and false information includes the following : An apartment lease opened at XXXX XXXX XXXX XXXX  on XX/XX/year> under the account number ( private ).

These accounts have resulted in several fraudulent collections on my consumer FICO credit report. I have attached a list of the collection accounts and a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

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 2025-04-16 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: NY

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 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681c-2 - Block of information resulting from identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-16 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:
15 U.S. Code 1681c-2 - Block of information resulting from identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-16 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: IL

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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I am writing to file a formal complaint against Synchrony Bank concerning their handling of chargeback disputes related to transactions made with my PayPal Cashback Mastercard credit card ( ending in XXXX and XXXX ). I initiated chargeback disputes for purchases from merchant XXXX XXXX due to failure to provide services and the fact they're an illegal business, being found guilty of operating an unlawful scheme. 

I submitted supporting evidence, including legal pieces, screenshot of my locked account ( can't access funds ), and more. However, PayPal closed the disputes yesterday in the merchant 's favor, stating that no supporting evidence was received. This is inaccurate, and I am uploading to this complaint the confirmation receipt for the faxed document I sent on XX/XX/2025. 

Furthermore, it's important to mention that the merchant failed to respond to the initial chargeback inquiries from PayPal. I believe this lack of response should have been considered strong evidence in my favor as well. Should PayPal reopened the disputes again, I am now facing an additional 60-day investigation period. Does it seem fair to you? This delay seems unfair and allows the merchant, who initially ignored the process, an opportunity to fabricate a response.

I am concerned about PayPal 's dispute resolution process, particularly the disregard for submitted evidence and the lack of weight given to a merchant 's failure to respond. I request the CFPB to investigate these practices and help ensure fair and timely resolution of consumer disputes. I have attached copies of fax ( sent on XXXX XXXX and sent again today, XX/XX/XXXX ) and my evidence. I have also recorded the automated call I got from Synchrony Bank saying they received my documents.

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 2025-04-16 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: GA

Complaint narrative:
I am XXXX and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2025-04-16 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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