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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX Name : XXXX XXXX Account Balance : {$460.00} Date XXXX XXXX Name : XXXX & XXXX Account Balance : {$730.00} XXXX XXXX XXXX Name : XXXX XXXX Account Balance : {$200.00} Date XXXX XXXX Name : XXXX XXXX XXXX  Account Balance : {$460.00} Date XXXX XXXX Name : XXXXXXXX XXXX  Account Balance : {$880.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXXXXXX 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 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am submitting this complaint regarding Equifax 's continued reporting of unauthorized hard inquiries on my credit report despite having submitted a formal dispute in XX/XX/XXXX. I provided Equifax with a list of inquiries for which the furnishers confirmed no permissible purpose, no signed application, and no authorization from me. Equifax failed to delete these inquiries or to verify them through acceptable documentation.

This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b Inquiries were made without a permissible purpose.

15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable data must be deleted. 

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I requested copies of any original documentation used to justify these inquiries.

15 U.S.C. 1681s-2 The furnishers are responsible for reporting only authorized data.

15 U.S.C. 1681i ( a ) ( 7 ) I requested method of verification and received no proper explanation.

15 U.S.C. 1681c-1 These inquiries present identity theft risks.

Additionally, Equifax has relied on automated systems ( e-OSCAR ) for reinvestigation, which courts have found to be inadequate : Burke v. Experian, 2011 WL 1085874 ( E.D. Va. ) Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) This behavior also conflicts with recent regulatory actions : CFPB v. Experian Info. Sols. Inc., No. 8:25-cv-00024 ( C.D. Cal., Jan. 7, 2025 ) CFPB Order Against Equifax , Jan. 17, 2025

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: DE

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 2025-04-16 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 am a victim of identity theft, there is fraudulent /error names addresses and account on 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 2025-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
We have requested the submission of a file for underwriting review ; however, the team has repeatedly stated that they lack the purchase contract and the proposed HUD. I have verified with them that these documents are indeed in their possession. Their reluctance to proceed seems to stem from their assertion that the net value does not meet the minimum requirement. Therefore refusing to submit the offer to the investor. 

AT THE SAME TIME, THEY REFUSE TO FACILITATE A RECONSIDERATION OF VALUE BASED ON THE FACT THE APPRAISER USED PROPERTIES FROM A DIFFERENT CITY - OVER XXXX MILES AWAY ... there were plenty of comps in the subject property area less than XXXX miles away. 

Despite our persistent requests to submit the dispute, they advised us to reach out to the VA directly. We have followed this advice, and the VA indicated that it is the servicer 's responsibility to fulfill their obligations with the XXXX. In the meantime, they are engaging in dual tracking and are actively pursuing foreclosure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint concerns XXXX refusal to delete unauthorized credit inquiries from my report following a previous dispute filed in XX/XX/XXXX. I contacted the creditors involved, and they confirmed no authorization or application from me exists. Despite this, Experian continues to report the inquiries and has not provided any signed documentation or verifiable justification. 

The following violations of the Fair Credit Reporting Act ( FCRA ) apply : 15 U.S.C. 1681b No permissible purpose exists for these inquiries ( XXXX  v. XXXX  ).

15 U.S.C. 1681i ( a ) ( 5 ) Experian failed to delete unverifiable data.

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) No original documents provided.

15 U.S.C. 1681s-2 Data furnishers and Experian are liable for inaccurate reporting.

15 U.S.C. 1681i ( a ) ( 7 ) No proper verification method disclosed.


15 U.S.C. 1681c-1 ( 605A ) These inquiries compromise my identity security.

Experians reliance on automated systems ( e-OSCAR ) does not meet the reasonable investigation standard. This is supported by : XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, Experians conduct contradicts : CFPB XXXX Experian Info. XXXX. XXXX, XXXX. XXXX CFPB 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am stressed 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION XXXX XXXX XXXXXXXX XXXX. PA XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent information on my credit report and to request its immediate removal in accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2.

Please find enclosed a copy of my identity theft report ( FTC Report Number : [ XXXX  ] ) to substantiate this dispute.

Under federal law, credit reporting agencies are required to delete and remove information that results from identity theft within four ( 4 ) business days of receiving valid documentation from the con
sumer. The following account ( s ) listed on my credit report are fraudulent and were opened without my knowledge, authorization, or consent : Fraudulent Account ( s ) to Be Removed : Account Name : 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 This unauthorized account is negatively impacting my credit profile and does not represent any legitimate activity on my part. Therefore, I am requesting the following actions be taken without delay : 1. Immediately delete the above-mentioned fraudulent account ( s ) from all versions of my credit report.

2. Provide written confirmation that the account ( s ) have been permanently removed.

3. Send me an updated copy of my credit report reflecting these changes. 
4. Do not place a fraud alert on my file as this is not a current or ongoing threat.

As mandated by 15 U.S.C. 1681c-2, your agency must act promptly upon receipt of this notice and documentation. I expect full compliance within the time limits established by law. 
If additional documentation or clarification is needed, please contact me in writing at the address listed above. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
I found out that my consumer rights were violated. I was not able to reach a live agent as listed in the contract. I was not able to speak with a live agent to tell them that my card was fraudulently used therefore, my consumer rights violated..

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is not collecting on the account because they have sold the account and no other company is collecting! delete information related to XXXX!. all bureaus are breaking the law by reporting wrong XXXX 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 2025-04-16 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: CA

Complaint narrative:
To Whom It May Concern, I found a XXXX  XXXX credit card account on my credit report that I didnt open. The account number is XXXX. It shows it was opened around XX/XX/year>, and theres also a hard inquiry from XXXX XXXX dated XX/XX/year>, which I never approved. 
I did not apply for this credit card and have no connection to this account. Someone used my information without my permission. 
Please remove this account and the related inquiry from my credit report. Im including my ID, proof of address, SSN, and FTC Identity Theft Report.

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Plastyc, Inc.
State: MA

Complaint narrative:
I have tried on 2 occasions to receive an XXXX gift card from the company " XXXX '' or " XXXX '' for funds on my account to no avail. They keep telling me it can take XXXX hours for the card to be sent via email but I keep getting nothing and then when I followed up, they have told me they need more time to " investigate ''. I have since read some other posts which show this seems to be an ongoing issue with consumers trying to get their funds from XXXX.

Company response to consumer: Untimely response