vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$610.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-21 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: LA

Complaint narrative:
I disputed this account XXXX asked XXXX provide me with validation of the account they reported XXXX the CRA 'S that they sent the validation but did not. I have attached the letter they sent with no contract attached XXXX listed an incorrect email address listed as mine saying they sent it in XXXX when I requested it XXXX? They not lied XXXX the credit bureaus but didn't provide me with the requested validation. I requested the description of reinvestigation procedures according XXXX XXXX XXXX XXXX ( XXXX ) states that if requested by consumer, this must be provided in XXXX  days in order XXXXXXXX be in compliance with FCRA guidelines. They took more than allowed time XXXX  still did not provide the contract with wet signature. Per XXXX XXXX XXXX, you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data XXXX formally opt out of any further reporting of such information

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 2025-04-21 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX * XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Installment sales contract Bureau Code : Individual Account Status : Open Monthly Payment : {$50.00} Date Opened : XX/XX/XXXXXXXX  Balance : {$99.00} XXXX  Account # : XXXXXXXX XXXX XXXX Account Type : Installment Account Type - Detail : Installment sales contract Bureau Code : Individual Account Status : Open Monthly Payment : {$50.00} Date Opened : XX/XX/XXXXXXXX  Please Remove account from credit report it is unlawful to report with third party. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Auto Loan Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Never Late Please remove late payments or account XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Installment sales contract XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Auto Loan Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXXXXXX  Never Late Please remove late payments or account Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Auto Loan Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXXXXXX  Never Late Please remove late payments or account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-04-21 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: IL

Complaint narrative:
I have inquiries on my account that I am not aware of, below I have uploaded a copy of my ftc report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent letters regarding inaccuracies on my credit report. After receiving a letter stating accounts were verified the XX/XX/year>. I knew there was no investigation done as I was a victim of identity theft. I feel at this point I am being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand this XXXX XXXX account be deleted immediately or I will file litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and obviously got in the hands of the wrong person.

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 2025-04-21 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: NY

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent letters regarding inaccuracies on my credit report. After receiving a letter stating accounts were verified the XX/XX/year>. I knew there was no investigation done as I was a victim of identity theft. I feel at this point I am being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand this XXXX XXXX account be deleted immediately or I will file litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and obviously got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-04-21 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I ordered a pair of women 's size XXXX XXXX loafers from a website called XXXX using PayPal pay in XXXX. The shoes that were sent to me were a poor quality ugly fake pair of men 's XXXX loafers. I messaged the sesverin customer service via email and they let me know they would provide a return label, they then stopped responding. I filed a claim on PayPal and they approved the refund if I paid for shipping back to the merchant ( shipping was {$60.00} on a balance of {$150.00} ). I contacted PayPal about the outcome because the merchant had a policy on its website that any order not correctly fulfilled would be refunded or eligible for return with shipping paid for. I have screenshots of all of the communications and policies from PayPal and the merchant. I filed a dispute with XXXX XXXX in XXXX, it was closed in my favor and PayPal was found liable. Paypal did not respond in the time allowed and the case was closed. I am now receiving calls, text messages, and emails from PayPal 's collections department saying I am liable. I called XXXX and they said I should contact Paypal and have send them the documents ruling in my favor or file a complaint with the FTC since Paypal did not respond while the case was open and was notified and is now saying I will be sent to collections. I called Paypal to handle the situation, I have been through XXXX different customer service agents that have sent me back and forth between XXXX departments saying they can not help me and I am liable and I need to reopen the case from paypal 's end, however, nobody on the phone can figure out how to reopen it or if I should reopen it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
XXXXI am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am filing this complaint against Experian regarding an account reported by XXXX ( Account # XXXX ). 

I have previously disputed this account with Experian multiple times, both online and by mail, requesting proper verification under the Fair Credit Reporting Act ( Sections 609, 611, 604, and 602 ). Despite these disputes, Experian has continued to report inaccurate and unverifiable information regarding the account. 

Specific violations include : Continued reporting of balance updates despite account closure, suggesting unlawful re-aging ( FCRA 623 ( a ) ( 5 ) ). 

No verifiable original signed contract was provided in response to my disputes ( FCRA 609 ( a ) ( 1 ) ).

Inconsistent reporting regarding balance dates and status updates ( violating FCRA 602 ( b ) ).

Failure to conduct a reasonable investigation of my dispute ( violating FCRA 611 ( a ) ( 1 ) ). 

Experian has had multiple opportunities to verify this information accurately and has failed to do so. As a result, they are knowingly harming my credit profile with unverifiable and inaccurate data. 

Requested Relief : I respectfully request immediate permanent deletion of the XXXX account from my Experian credit report. 

I am attaching evidence of my prior disputes, Experians refusal responses, and copies of 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-04-21 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: UT

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Clasp Group, Inc.
State: PA

Complaint narrative:
In XXXX, I entered into an XXXX XXXX XXXX  ( XXXX ) through XXXX XXXX. The account is now serviced by Clasp ( XXXX XXXX ). Per the contract, no payments are required if I earn under a {$40000.00} annual threshold. 

Despite submitting income verification on multiple occasions ( most recently on XX/XX/XXXX ), which shows I make significantly less than the threshold, I have been incorrectly billed and marked past due for a payment of {$650.00}. This is nearly equal to my monthly income. 

Clasps own internal messages, including one dated XX/XX/XXXX, confirm that I am in forbearance until XX/XX/XXXX. However, the billing system now shows a past due status with added late fees. I have submitted documentation, uploaded formal disputes, and requested correction, but Clasp has disabled messaging on their platform, leaving me unable to contact a human representative or resolve the issue. 

I am in the XXXX month of my XXXX XXXX term, during which I have consistently been under the income threshold. I am requesting : Immediate correction of my account to reflect active deferment Removal of all past due charges and late fees Written confirmation that no payment is due until XX/XX/XXXX Assurance that this will not affect my repayment timeline or credit The handling of this issue has been negligent, with multiple errors, false income assumptions, and a lack of communication channels. I am requesting CFPB intervention to ensure fair handling and compliance with the original XXXX terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my reports and noticed Experian and TransUnion are reporting an account ( XXXX XXXX XXXX ) that was charged off in 2022. TransUnion is reporting that the account is past due currently, showing that it has a credit limit and Experian ' shows the account is charged off but has a credit limit reporting.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEALTHFRONT CORPORATION
State: AZ

Complaint narrative:
I contacted Wealthfront one week ago and they stated my account is closed. They mentioned I'd receive the funds back to my funding source. I haven't received the funds. I'm also unable to view my account or contact them by phone. I tried calling but it keeps saying no one is available. I'm getting nervous that this organization isn't legit. I also tried contact via their ticket system with no response.

Company response to consumer: Closed with explanation