vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
A hard inquiries from the listed below appeared on my credit report dated [ XXXX XXXX ]. I did not authorize this inquiry, nor was I informed or provided any documentation. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ) which requires permissible purpose. I am requesting enforcement action and removal. 
( XXXX  XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX Inquiry : 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 2025-04-24 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-24 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$800.00} XX/XX/XXXX XXXX Balance {$4500.00} XX/XX/XXXX XXXX Balance {$3700.00} XX/XX/XXXXXXXX XXXX Balance {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$170.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2024

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I've requested the following information on several occasio over the past 10 years, no response has ever been provided nor were supporting documents received. 

-A copy of the original Master Promissory Note ( MPN ), signed by me, to establish the lawful origination of the alleged debt. 

-A full Chain of Custody/Assignment of Servicing Rights , detailing every transfer of ownership or servicing authority from the original lender to XXXX, including dates and legal documentation. 

-Proof of XXXX legal authority to service and report this loan account, especially in light of the recent restructuring and transfer of federal student loan servicing contracts. 

-A full and complete payment history ledger, including all forbearances, deferments, interest accruals, and payments since the loan 's origination. 

-Documentation of compliance with applicable federal laws, including but not limited to the Higher Education Act, Truth in Lending Act, and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
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 explanation
Consumer complaint received 2025-04-24 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: AR

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 explanation
Consumer complaint received 2025-04-24 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: AR

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 XXXXXXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$680.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
Subject : Formal Dispute Inaccurate Account Balances and Payment Reporting To Whom It May Concern, I am disputing the balance and payment information for the following accounts listed on my Equifax credit report. These accounts currently reflect inaccurate information, and I am requesting they be updated immediately to reflect the correct balances, high balance amounts and last payment amounts : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax has no problem updating reports with remarkable speed even when incorrect if balances increase. However, now that these accounts show zero balances or significantly lower amounts, the urgency to reflect those changes seems to have disappeared. That selective reporting is not only unfairits unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report data that is accurate, complete, and up to date. Please conduct a proper reinvestigation and correct these accounts without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello I made a claim on XXXX/2025 over claims found on my account for the past 2 months for {$93000.00} .. chase closed the claim for no reason saying they have my Face ID my iPhone was clearly either hacked or compromised the lady on the phone was so rude and disgusting saying they cant help me. She told me not your fault thats my phone was compromised but its either fault they let the merchant and take all my Money chase fraud department was very nasty to me on XXXX/2025 I told them to reach out to merchant and find out I dont even have an account with them and she was rude Im so frusatrrated she even hung up on me after I told her please call the merchant and find out this is not me!!! Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX XXXX bought a debt of mine from Capitol one that was open in XXXX. I was overseas from XXXX. XXXX committed fraud by reporting to all 3 credit reporting agencies that my account was in good standing with no delinquency or debt for the past 8 years to prolong the account open while they also claimed I owed a debt but not reporting it correctly to the credit agencies. This is a fraudulent activity and deceptive debt collection tactic to prolong the collection of a debt past the statue of limitation. So to clarify the account should have been closed in XXXX 7 years after they bought it but they we claiming that it was in good standing until last month XXXX of XXXX another 6 years so when I corrected the record and provided the correct information that it should have been closed 7 years ago it dropped my XXXX XXXX by XXXX points. They fraudulently keep the account open and reported it in good standing with no debt just to continue trying to be able to collect the debt at a later date and fraudulently lied about it to keep it open by reporting false information to the credit reporting agencies. I have called the 3 major credit reporting agencies, capitol one, XXXX and XXXX their parent company to ask them to correct the error and I have it on audio recording that they refuse to correct the record that it should have been closed 7 years ago and report this inaccuracy to the 3 major credit reporting agencies that they should have closed the account and back date the record of closing the account as of XXXX. So I'm reporting this fraud to you after seeing that they have had lawsuits in the past for illegal activity involving their debt collection methods and practices hoping you can help me correct the record to get my XXXX XXXX back to where it was at XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX XXXX bought a debt of mine from XXXX XXXX that was open in XXXX. I was overseas from XXXX. XXXX committed fraud by reporting to all 3 credit reporting agencies that my account was in good standing with no delinquency or debt for the past 8 years to prolong the account open while they also claimed I owed a debt but not reporting it correctly to the credit agencies. This is a fraudulent activity and deceptive debt collection tactic to prolong the collection of a debt past the statue of limitation. So to clarify the account should have been closed in XXXX 7 years after they bought it but they we claiming that it was in good standing until last month XXXX of XXXX another 6 years so when I corrected the record and provided the correct information that it should have been closed 7 years ago it dropped my credit score by XXXX points. They fraudulently keep the account open and reported it in good standing with no debt just to continue trying to be able to collect the debt at a later date and fraudulently lied about it to keep it open by reporting false information to the credit reporting agencies. I have called the XXXX major credit reporting agencies, XXXX XXXX, XXXX and XXXX their parent company to ask them to correct the error and I have it on audio recording that they refuse to correct the record that it should have been closed 7 years ago and report this inaccuracy to the 3 major credit reporting agencies that they should have closed the account and back date the record of closing the account as of XXXX. So I'm reporting this fraud to you after seeing that they have had lawsuits in the past for illegal activity involving their debt collection methods and practices hoping you can help me correct the record to get my credit score back to where it was at XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have been reported under my credit profile. I did not authorize any credit applications or give permission to the following institutions to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that these inquiries be removed from my credit report immediately, as they were made without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ),

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was scammed out of {$1000.00} through a PayPal transaction on XXXX. On XX/XX/year>, I purchased what was advertised as a functioning XXXX XXXX XXXX XXXX XXXX card. The listing mentioned only a potential issue with the card drawing power. 

Believing it might be repairable, I listed the XXXX for resale on XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ). The item remained completely unopened during this time, as I was still troubleshooting. I contacted the seller via XXXX on XX/XX/XXXX to ask for more information about the card they never responded. 

It wasnt until XX/XX/year>, after a full inspection, that I discovered the XXXX had been physically stripped of both the XXXXXXXX XXXX and XXXX, making it completely unusable. I immediately took down the listing and stopped trying to sell it. 

I filed a complaint with the FTC on XX/XX/year>, and submitted a dispute to PayPal on XX/XX/year>. PayPal denied my dispute automatically, citing their 30-day limit, and refused to allow an appeal or escalation despite the fact that this was a case of clear and deliberate fraud. Their Buyer Protection policy covers items significantly not as described, and this situation clearly qualifies. 

I am submitting full documentation including : Photos of the XXXX as originally received ( untouched ). 

Photos clearly showing the missing XXXX XXXX and XXXX. 

My XXXX listing, which reflects I believed the item only had power issues. 

A conversation with a potential buyer that I ended immediately after discovering the fraud, demonstrating I was unaware of the true condition. 

I acted in good faith throughout this process, and this was not a case of buyers remorse or delay it was intentional deception by the seller. PayPals refusal to review this manually has left me with no refund and no protection despite their own stated policies.

Company response to consumer: Closed with explanation