vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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 you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and XXXX student loan accounts opened at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the account numbers XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-29 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 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: FL

Complaint narrative:
I am formally disputing the reporting of XXXX late payments on a closed and fully paid account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to ensure that all data reported to consumer reporting agencies is accurate, complete, and verifiable. 

I demand an immediate investigation and full validation of the alleged late payments. If you are unable to provide documented proof that the reported delinquencies are accurate, I respectfully insist that these negative marks be deleted from my credit file without delay. 

Please be advised that failure to correct inaccurate information may constitute a violation of federal law, and I reserve the right to escalate this matter further if necessary. 

Thank you for your prompt compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am formally disputing the reporting of XXXX late payments on a closed and fully paid account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to ensure that all data reported to consumer reporting agencies is accurate, complete, and verifiable. 

I demand an immediate investigation and full validation of the alleged late payments. If you are unable to provide documented proof that the reported delinquencies are accurate, I respectfully insist that these negative marks be deleted from my credit file without delay. 

Please be advised that failure to correct inaccurate information may constitute a violation of federal law, and I reserve the right to escalate this matter further if necessary. 

Thank you for your prompt compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, which has resulted in the inclusion of unauthorized and inaccurate information on my credit reports with Equifax. Specifically, my personal identification information, including my Social Security number and other personal data, has been used without my consent. These unauthorized accounts and inquiries have adversely affected my creditworthiness and were reported by the aforementioned agencies without proper verification or my authorization. Despite my prior requests for the removal of this information, Equifax continue to retain and report inaccurate data. I expressly decline the placement of a fraud alert on my file ; rather, I am requesting the immediate deletion of all fraudulent accounts and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft resulting from the Equifax data breach, which exposed my sensitive personal information. As a result, fraudulent accounts have appeared on my credit reports. Despite notifying the credit bureaus and submitting all required documentation under 15 U.S.C. XXXX ( a ), the accounts have not been properly blocked or removed. I am exercising my rights under the Fair Credit Reporting Act to have all fraudulent information permanently deleted from my credit file. The failure to do so is causing ongoing harm to my creditworthiness. I am requesting the CFPBs assistance to ensure that the credit reporting agencies comply with federal law and promptly block and delete all identity theft-related accounts from my reports.n I have attached my ID, address verification, FTC report XXXX and dispute letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent removal of the following unjustified entries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent removal of the following unjustified entries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name XXXX  all other information doesnt seem XXXX  look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you XXXX be able XXXX update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-29 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} Date Reported XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my third formal dispute XXXX demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, XXXX XX/XX/XXXX. My correct XXXX current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security XXXX XXXX this, the inaccurate address remains on my report, XXXX  I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA XXXX ( a ) ( XXXX ). You are legally required XXXX conduct a reasonable reinvestigation XXXX respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement XXXX  ensure the maximum possible accuracy of consumer data, as stated in FCRA XXXX ( b ). 

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, CA, 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I paid the full outstanding balance of {$5600.00} on my loan with XXXX was no settlement or negotiated reduction. The account was fully satisfied. 

Despite this, Oportun continues to report the account as Paid in Full was a XXXX. While the charge-off may have occurred previously, I believe that continuing to report it after full repayment is misleading and unnecessarily harmful to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), information furnished to credit bureaus must be accurate and not misleading. Industry reporting standards ( XXXX XXXX ) allow for such accounts to be reported as simply Paid in Full or Paid Collection, without keeping the charge-off remark once the balance has been paid in full. 

Oportun responded to a previous CFPB complaint but did not address this issue directly, nor did they provide documentation to justify the continued use of the charge-off language. The case was closed before I could reply or provide feedback. 

This reporting has caused credit denials and higher interest rates. I am requesting that Oportun update the tradeline to Paid in Full without the charge-off notation or provide a clear and documented justification for retaining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction date XXXX XXXX Transaction Date XXXX  Bye me called made police report \nRequested Money Back from them both refused\nCalled bank reported fraud they did nothing\nAlso Sent Full Messanger Talk between me and the scammer. Go to bottom of html and read up from there. \n\nChime Bank Refused & told me that they can't take the money back cause the transaction was completed alreadyXXXXXXXX  address XXXXChime Financial, Inc. is headquartered aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chime's lending services are provided by Chime XXXX XXXX which has its principal place of business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
This is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) XXXX the XXXX XXXX Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, XXXX/or reported without proper documentation or permissible purpose. 

These reporting practices violate federal regulations, damage my credit reputation, XXXX hinder my financial stability. 



Disputed Items Collections XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$160.00} | Acct # : XXXX XXXX XXXX {$2400.00} | Acct # : XXXX XXXX XXXX {$2500.00} | Acct # : XXXX XXXX XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$800.00} | Acct # : XXXX Closed Accounts XXXX XXXX {$5700.00} | Acct # : XXXX XXXX CARD {$4500.00} | Acct # : XXXX XXXX CARD {$0.00} | Acct # : XXXX XXXX  XXXX | Acct # : XXXX XXXX | Acct # : XXXX Violations of Federal Law XXXX. XXXX XXXX. XXXX ( Section XXXX ( a ) ) Ensures the right XXXX privacy XXXX accurate reporting for consumers. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Restricts inclusion of outdated or adverse information beyond reporting time limits. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX full compliance in data formatting, accurate account status reporting, XXXX  proper substantiation of derogatory claims. 



Summary of Issue Despite my formal disputes XXXX requests, no physically verifiable documentation has been provided XXXX support the accuracy or validity of these accounts or the inquiry. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents XXXX supporting derogatory or delinquent status Evidence of proper formatting or compliance with XXXX XXXX standards

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of delinquent payments and a charge-off on the above-referenced account as it appears on my credit report. 
This negative reporting is inaccurate and unjustified due to the circumstances surrounding the COVID-19 pandemic. I experienced a significant income disruption due to job loss, which directly impacted my ability to maintain regular payments. Under the CARES Act, signed into law on XX/XX/XXXXXXXX XXXX XXXX and in effect until XX/XX/XXXX, amendments were made to the Fair Credit Reporting Act ( FCRA ) that prohibited adverse credit reporting for consumers affected by COVID-19 who made payment arrangements or sought hardship. During this period, I was actively seeking assistance and making efforts to communicate and resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am writing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some of these items have been removed, XXXX  I would like XXXX thank you for addressing them. However, there are still some fraudulent items that remain on my 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 2025-04-29 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong XXXX XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent XXXX report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/year> I was scammed by a stranger using XXXX  to transfer money. 

payment to - XXXX for {$45.00} on XX/XX/year> - lI was in a store called XXXX XXXX  was right next door to XXXX XXXX. I went in to look around. A stranger approached me told me she sells something called XXXX XXXX XXXX  and told me about told me she takes XXXX  payments. She had me to type in her XXXX  account for the payment but I never got the XXXX XXXX I contacted XXXX  for help and they refused to give me my money back. I argued that this violates their terms and conditions and its a breach of contract. Allowing a scammer to scam the user for such services that are prohibited according to their terms,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions 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 explanation