vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-03 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts showing on my credit report. 
Also, in accordance with the Fair Credit Reporting act the accounts listed below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. I am requesting to have these accounts removed as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX reported on my Equifax credit report. No validation has been provided under FDCPA 809, and I have not received the original documentation per FCRA 609. The item remains marked as consumer disputes, but no resolution has been provided. I request the immediate deletion of this item due to the failure to validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint concerning the inaccurate and unlawful reporting of an account listed on my consumer credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect Personal Information ( Wrong Address Reporting ) The address associated with this XXXX XXXX XXXX, XXXX, XXXX not and has never been my residential address. The furnishing of inaccurate personal information is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of Law : 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX and the credit reporting agencies failed to exercise reasonable procedures to ensure the accuracy of reported personal data, thereby violating this provision. 
Issue # 2 : Questionable Charge-Off Validity The account is reported as a Charge Off with a high balance of {$390.00}. However, I have not received adequate validation of the debt from the furnisher, and the reporting itself lacks key information required to substantiate a lawful charge-off claim.

Violation of Law : 15 U.S. Code 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) : A debt collector must cease collection of the debt until the debt collector obtains verification of the debt. 
While it is unclear whether XXXX is acting as a collector or creditor, the absence of full and accurate verification documentation undermines the legitimacy of this charge-off. Additionally, I never received proper notice of this charge-off as required by law. 
Request for Resolution : I am requesting the following actions to be taken as a result of this complaint : XXXX. Full investigation into the accuracy of the address reported by XXXX. 
XXXX. Immediate removal or correction of the incorrect address information. 
XXXX. Full debt validation from XXXX or deletion of the charge-off status if validation can not be provided. 
XXXX. Written confirmation of all corrections or deletions made. 
This inaccurate reporting is negatively affecting my creditworthiness, and I request expedited handling in accordance with CFPB procedures and federal law. I am providing this complaint for your review and investigation under the authority of the Consumer Financial Protection Bureau.

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 2025-06-03 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: CA

Complaint narrative:
I am disputing multiple inaccurate late payments reported on my credit report by Equifax. These late payments are falsely reported for several months in 2023, despite my records showing all payments were made on time. I have formally disputed these inaccuracies with Equifax and the creditor, but the errors remain. This misinformation is damaging my credit and causing financial harm. I am requesting a thorough investigation and immediate correction of my credit report to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

DPT EDXXXX # XXXX XX/XX/XXXX -- {$2600.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$4800.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2200.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$1000.00} DPT EDXXXX  # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2100.00} DPT ED/XXXX  # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
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

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 2025-06-03 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: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to delete multiple inaccurate, unverifiable, and misleading entries from my credit report dated XX/XX/year>. I exercised my right to dispute these items under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and Equifax has failed to remove or provide proper verification within the required XXXX timeframe. 

The disputed items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Authorized User without my authorization or legal association. 

XXXX XXXX XXXX XXXX  account I have never received validation or documentation of this debt. It is completely unverified. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Closed due to inactivity but inaccurately reported with derogatory history. 

Additionally, my report contains erroneous name variations ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are not my legal name and are causing misattribution of accounts.

Despite proper documentation and formal notice, Equifax has not complied with its legal obligation to investigate and delete unverifiable data. This is a clear violation of FCRA Section 611 and warrants immediate enforcement. 

I respectfully request that the CFPB hold Equifax accountable and compel them to remove the disputed entries, provide a full accounting of their investigation process, and confirm correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX, XXXX  permanently deactivated my account, citing vague concerns regarding activity without any specific explanation. I accepted that decision and did not attempt to reactivate the account. 

Months later, I inadvertently added money to my XXXX XXXX XXXX via XXXX XXXX, not realizing the account was still restricted. On XX/XX/XXXX, XXXX  emailed me stating they had temporarily adjusted my account to allow a one-time withdrawal of funds to a unique bank account. 

I followed their instructions, attempted to add a brand new bank account that had never been associated with XXXX  before, but I continue to receive error messages and am unable to add or link the account. This prevents me from accessing my own funds. 

The same email from XXXX  contradictorily stated that I could let them know if I ran into trouble yet also said no future communication would be answered. 

I have attempted to contact them again for clarification but have received no response. This leaves me completely unable to access or retrieve the money I added to the account. 

I am only requesting assistance with withdrawing my remaining balance. I am not asking for reactivation of the account. 

This handling appears to be deliberately obstructive, and the companys communications have been contradictory and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

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 2025-06-03 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: TX

Complaint narrative:
I am submitting this formal dispute regarding the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which appears on my credit report with your bureau. This account is being inaccurately reported, and I previously submitted a dispute that was not resolved in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I apply on XX/XX/XXXX for a Citibank Citi custom cash XXXX, which i have the capacity to contract and was denied an extension of my credit. They send an adverse action letter.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Macys/XXXX  XXXX regarding a late payment that has been inaccurately reported on my credit file. I have always maintained a strong payment history and have never missed or been late on any payments with Macys. However, a payment was marked as late due to an internal issue involving my payment method, and I was never notified. 

Specifically, Macys attempted to process an automatic payment from my XXXX XXXX bank account, which had been previously closed. I was not contacted via phone, email, or mail about the failed payment attempt. I only learned about this issue when I noticed the negative mark on my credit report, which now reflects a XXXX late payment. I never received any communication from Macys or their billing department giving me the opportunity to resolve this before it impacted my credit. 

When I called Macys customer service, they acknowledged the issue and mentioned they would submit a request to have the matter reviewed. Despite my follow-up efforts, more than XXXX months have passed and the negative mark remains on my credit report, with no resolution or update provided. 

This situation has been frustrating and damaging to my credit profile especially considering that the late payment was not due to neglect or failure on my part. I was not given a fair opportunity to make good on the payment due to the lack of any notification or attempt to communicate the problem.

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 2025-06-03 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XX/XX/XXXX# XXXX XX/XX/XXXX -- {$5000.00} XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$6200.00} XXXX XX/XX/XXXXXXXX XX/XX/XXXX -- {$10000.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$2600.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$4800.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2200.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$1000.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$2100.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$5800.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account was closed XX/XX/year> Profit and loss write off Account closed by credit grantor Fair Credit Reporting Act ( FCRA ) to hold creditors accountable for reporting inaccurate debt information, potentially including : Incorrectly reporting a debt as charged off while still claiming it's owed. 

Providing false or outdated details to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please immediately remove these items from my credit report without any delay or excuse. Your quick and decisive steps to address this issue will be greatly appreciated. I anticipate a comprehensive and thorough resolution, leaving no room for further delay or negligence. Your immediate and focused attention to this urgent matter is both anticipated and required. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreversible damage inflicted on my credit standing. Thank you for your immediate and steadfast attention to this issue. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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