vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : CHILD SUPPORT ENFORCEMENT # XXXX - Date Opened XX/XX/XXXX Account Name : FLORIDA DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 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: WV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, multiple hard pulls, Installment loans as well as multiple lines of credit. There is no possibility of me doing it, so they tell me they will remove it. If not I'll take it to court. But my life is ruined bc they let people use my credit when it is supposed to be frozen. Now I need it and I can't use it. I've never had any single dime on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite my continued efforts, the issue remains unresolved, and there is no indication that a proper or thorough investigation has been conducted.

This situation has become a significant source of stress and frustration, and it is now affecting my daily life. Im feeling mentally and emotionally exhausted by the lack of progress and clarity.

To be clear, I am handling this dispute myselfno one is acting on my behalf. I am respectfully requesting that this matter receive the full and fair review it deserves as soon as possible.

Thank you for your attention to this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My PayPal account has been limited due for quite some time due to unusual activity on my account but after submitting verification documents for reactivating, they have failed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
I have submitted this dispute multiple times concerning an account on my credit report that I genuinely believe remains inaccurate and incomplete. Despite my repeated attempts to resolve this, the incorrect information is still present, and it seems a proper investigation has not yet been performed. 

This situation has become increasingly distressing and is now impacting my everyday life. Im feeling emotionally overwhelmed and discouraged by the ongoing lack of resolution. 

I want to emphasize that I am submitting this dispute personallythere is no third party involved. I kindly request that this matter be reviewed thoroughly and fairly at your earliest convenience. 

Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report ( 1 ) fraudulent account appearing on my consumer FICO credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a secured credit card opened at XXXX XXXX  XXXX on XX/XX/year> under the account number XXXX. As a result of this identity theft, several unauthorized hard inquiries and collections have also appeared on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and formally demand that this fraudulent account, along with all associated inquiries and collections, be immediately removed from each of my consumer credit reports and that any collection activity related to this item cease immediately. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-05-02 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: GA

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING XXXX XXXX XXXXXXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX  Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am a victim of identity theft and believe my personal information was compromised during the 2017 Equifax data breach. Fraudulent accounts have since appeared on my credit reports with Equifax. These accounts were opened without my authorization and have negatively affected my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal I sold a service And bank did not transfer my funds to me And chose to hold them and shut down my business transaction This problem is getting persistent several times and it is becoming painful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-05-02 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 filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided.

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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 2025-05-02 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: MA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Subject : Fraudulent Account - Request for Deletion from Credit Report Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent account reported on my Equifax credit report by XXXX XXXX XXXX XXXX. I did not open or authorize any account with XXXX XXXX, and I believe this account was opened as a result of identity theft. 
Here are the details from the credit report : - Creditor : XXXX XXXX XXXX - Account Type : Revolving - Date Opened : XX/XX/XXXX - Status : Charged-off - Balance Reported : {$26000.00} - Credit Limit : {$25000.00} - Account Closed by Credit Grantor - Credit Usage : XXXX % I have no knowledge of this account and did not authorize its opening or any transactions tied to it. 
The balance is extremely high and inconsistent with my credit history. This account is negatively affecting my credit score and was not opened by me. 
I am requesting a full investigation and immediate deletion of this fraudulent item from my credit report under the Fair Credit Reporting Act ( FCRA ). Attached is a screenshot of the account as it appears on my report. 
Please assist in removing this fraudulent account promptly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
This morning, I discovered some incorrect accounts listed on my credit report and Im unsure of the reason. I routinely monitor my credit, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a technical issue, but the inaccuracies remained. Given this, Im requesting a careful review of the documents I submitted to resolve this concern permanently.

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 2025-05-02 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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 2025-05-02 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: GA

Complaint narrative:
This account as been removed completely from my credit report three months ago and The company put it back again. The informations on the report is inaccurate. The opened date of the account, The credit limit, date the account was last active, the last payment date and the account status were all different across the three credit bureau, The last reported date and the high credit are also different date across the three credit bureaus. Its also show XXXX late without XXXX or XXXX been reported. This account is very inaccurate and its need to be remove immediately from my credit reports and Im including my credit reports with high lighting all the errors inaccurate reports. The name of the company is XXXX Account # : 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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NCS is reporting the wrong debt amount. My signed lease clearly states the maximum fee should be {$1200.00}, but NCS is reporting $ XXXX " have disputed this multiple times over several years, and I sent NCS proof a copy of my original lease showing the correct {$1200.00} fee. and the incorrect final bill from XXXX XXXX who purchased the property from XXXX XXXX XXXXXXXX Despite this clear evidence, they have failed to correct it and keep verifying the wrong amount. " Crucially, I believe NCS used deception. I spoke with an NCS representative who promised if I sent him my evidence ( my original lease ), he would correct the information and help remove it from my report. Instead, after I sent it, I believe he used that information to get the inaccurate debt placed onto my main credit report. '' I believe National Credit Systems has violated my rights under the FCRA and FDCPA, potentially willfully given their actions, I suffered serious financial hardship because of this including my limited to denial of apartments homeless for almost 7 months having to live in a hotel and extreme stress I endured during the 7 month period I was deceived lied toI believe the rep on the phone who insured me by sending documents they didn't have they would remove from rent bureau I sent my lease the information requested including incorrect last bill that showed incorrect final bill with incorrect early termination fee he insisted if I sent documents he would remove the information from the rent bureau that was only showing up partially as my last name but still affected me getting apartments that used the rent bureau as means to check credit worthyness I trusted him and sent the requested info via certified mail once he received the information within maybe 1-2 months it was on my full credit report despite my original lease from XXXX XXXX XXXXXXXX showing my early termination fee as {$1200.00} and XXXX XXXX who was binded by the original lease for the duration of my original lease which they failed to do instead I was accessed the early termination fee of century Stonehill while never signing lease with XXXX XXXX  I have extension evidence including my original lease my final bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I disputed multiple accounts appearing on my credit report due to clear violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. The accounts in question were reported by debt buyers who are not original creditors. These companies reported payment histories, past due balances, and open account statusesdespite having no legal authority or contractual relationship with me to do so. 

For example, XXXX account originally from XXXX was sold and later re-reported by XXXX XXXX XXXX. The account was originally closed and last updated in XXXX, but XXXX re-aged the account by listing it as newly opened, restarting the XXXX clock and misrepresenting the age of the debtthis is illegal re-aging under FCRA 623 ( a ) ( 5 ). Ive provided a screenshot from a XXXX report proving the original status and date. 

I also disputed multiple LVNV Funding/Resurgent accounts reporting false payment histories and one-month terms with {$0.00} paid, even though they are debt buyers and no ongoing billing relationship exists. These are Metro 2 and FDCPA 807 violations. 

Despite my written dispute, the credit bureaus only updated some statuses from XXXX to XXXX but refused to delete the accounts, which still contain unverifiable and inaccurate data. 

This inaccurate reporting has directly led to multiple housing denials and is preventing me from securing a home for myself and my family. Ive uploaded full documentation showing the timeline, disputes, evidence of re-aging, and consumer harm.

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