vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), alleging willful violations by credit reporting agencies ( CRAs ) and furnishers regarding fraudulent accounts that were reinserted on my credit report without lawful notice or compliance. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a CRA reinserts information previously removed as a result of a consumer dispute, it must : 1. Notify the consumer in writing within 5 business days of the reinsertion, and 2. Provide the name, address, and telephone number of the furnisher of that information.

I did not receive any such notice when the following fraudulent accountspreviously removedwere reinserted : Accounts Opened by the Thief : XXXX XXXX XXXXXXXX Account ending in XXXX  Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXXXXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXXXXXX  FCRA Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : These accounts should have been blocked and excluded upon submission of my valid FTC Identity Theft Report.

FCRA 611 ( a ) ( 5 ) ( B ) : I was not notified of the reinsertions nor was I given details on the data furnisher.

FCRA 609 ( a ) : I was denied access to essential information about how and why these fraudulent accounts were re-reported. 

Additionally, my personal information was fraudulently misused, including names, phone numbers, and employment details ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) as listed in my FTC report. 



Requested Resolution : 1. Permanent deletion of the above fraudulent accounts from all CRAs : Equifax, Experian, and TransUnion.

2. A written explanation of how and why the accounts were reinserted without proper procedure.

3. Full identity of the data furnishers who resubmitted these accounts.

4. Assurance that no future reinsertion will occur without full compliance with FCRA 611 ( a ) ( 5 ).

5. An investigation into any CRA or furnisher that acted in violation of FCRA, and enforcement action if appropriate.

6. Optional : If any credit denial or financial damage has occurred, I may seek monetary relief under FCRA 616 & 617 for negligent or willful noncompliance. 



Supporting Documentation : FTC Identity Theft Report # : XXXX ( included ) Any relevant credit bureau correspondence will be submitted upon request. 

Thank you for your urgent attention to this matter. I request that this complaint be reviewed under the full authority of the Consumer Financial Protection Bureau. 

Sincerely, 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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Exactly 1 week ago I transferred from my bank account to XXXX  {$40.00}. It was supposed to be in my XXXX  account today, XX/XX/year>. When I called them to ask where my money was, they said it should be in my account by the end of the day. It is now XXXX XXXX  and it is not in my account yet and they are telling me to wait. I have contacted them twice with nothing but a runaround they are holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to request the removal of one or more inaccurate addresses from my credit file. I have never lived at these locations, and they do not belong in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
A XXXX XXXX account was fraudulently opened in my name without my authorization. I am a victim of identity theft and have filed an official FTC Identity Theft Report. I submitted a dispute to Experian requesting the removal of this account under FCRA 1681c-2. Despite the documentation provided, the account remains on my report, showing a {$4300.00} balance in collections. This is damaging and unlawful.

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 2025-07-11 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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: CrossCountry Mortgage LLC
State: KS

Complaint narrative:
My XXXX mortgage ( Loan # XXXX ) was foreclosed by XXXX XXXX on XX/XX/XXXX, while I was a 100 % service-connected permanently and totally XXXX veteran. The VA had an active foreclosure moratorium through XX/XX/XXXX, and paused all foreclosures beginning XX/XX/XXXX. My foreclosure occurred just weeks before the pause and during the VAs request that servicers halt foreclosures. 

I believe this foreclosure was improperly processed and should not have occurred, especially given my protected veteran status and active hardship. It is currently listed on my credit report, significantly harming my financial stability and access to housing. I have submitted a goodwill removal request directly to the servicer but have not received help or acknowledgment.

I request the CFPB review this for potential improper foreclosure during a VA moratorium and assist in having this derogatory account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), alleging willful violations by credit reporting agencies ( CRAs ) and furnishers regarding fraudulent accounts that were reinserted on my credit report without lawful notice or compliance. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a CRA reinserts information previously removed as a result of a consumer dispute, it must : 1. Notify the consumer in writing within 5 business days of the reinsertion, and 2. Provide the name, address, and telephone number of the furnisher of that information.

I did not receive any such notice when the following fraudulent accountspreviously removedwere reinserted : Accounts Opened by the Thief : XXXX XXXX XXXXXXXX Account ending in XXXX  Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXXXXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXXXXXX  FCRA Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : These accounts should have been blocked and excluded upon submission of my valid FTC Identity Theft Report.

FCRA 611 ( a ) ( 5 ) ( B ) : I was not notified of the reinsertions nor was I given details on the data furnisher.

FCRA 609 ( a ) : I was denied access to essential information about how and why these fraudulent accounts were re-reported. 

Additionally, my personal information was fraudulently misused, including names, phone numbers, and employment details ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) as listed in my FTC report. 



Requested Resolution : 1. Permanent deletion of the above fraudulent accounts from all CRAs : Equifax, Experian, and TransUnion.

2. A written explanation of how and why the accounts were reinserted without proper procedure.

3. Full identity of the data furnishers who resubmitted these accounts.

4. Assurance that no future reinsertion will occur without full compliance with FCRA 611 ( a ) ( 5 ).

5. An investigation into any CRA or furnisher that acted in violation of FCRA, and enforcement action if appropriate.

6. Optional : If any credit denial or financial damage has occurred, I may seek monetary relief under FCRA 616 & 617 for negligent or willful noncompliance. 



Supporting Documentation : FTC Identity Theft Report # : XXXX ( included ) Any relevant credit bureau correspondence will be submitted upon request. 

Thank you for your urgent attention to this matter. I request that this complaint be reviewed under the full authority of the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), alleging willful violations by credit reporting agencies ( CRAs ) and furnishers regarding fraudulent accounts that were reinserted on my credit report without lawful notice or compliance. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a CRA reinserts information previously removed as a result of a consumer dispute, it must : 1. Notify the consumer in writing within 5 business days of the reinsertion, and 2. Provide the name, address, and telephone number of the furnisher of that information.

I did not receive any such notice when the following fraudulent accountspreviously removedwere reinserted : Accounts Opened by the Thief : XXXX XXXX XXXXXXXX Account ending in XXXX  Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXXXXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXXXXXX  FCRA Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : These accounts should have been blocked and excluded upon submission of my valid FTC Identity Theft Report.

FCRA 611 ( a ) ( 5 ) ( B ) : I was not notified of the reinsertions nor was I given details on the data furnisher.

FCRA 609 ( a ) : I was denied access to essential information about how and why these fraudulent accounts were re-reported. 

Additionally, my personal information was fraudulently misused, including names, phone numbers, and employment details ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) as listed in my FTC report. 



Requested Resolution : 1. Permanent deletion of the above fraudulent accounts from all CRAs : Equifax, Experian, and TransUnion.

2. A written explanation of how and why the accounts were reinserted without proper procedure.

3. Full identity of the data furnishers who resubmitted these accounts.

4. Assurance that no future reinsertion will occur without full compliance with FCRA 611 ( a ) ( 5 ).

5. An investigation into any CRA or furnisher that acted in violation of FCRA, and enforcement action if appropriate.

6. Optional : If any credit denial or financial damage has occurred, I may seek monetary relief under FCRA 616 & 617 for negligent or willful noncompliance. 



Supporting Documentation : FTC Identity Theft Report # : XXXX ( included ) Any relevant credit bureau correspondence will be submitted upon request. 

Thank you for your urgent attention to this matter. I request that this complaint be reviewed under the full authority of the Consumer Financial Protection Bureau. 

Sincerely, 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 2025-07-11 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: SC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-11 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-11 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00}

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Innovis Data Solutions , Inc . 

P.O Box XXXX XXXX, GA XXXX Subject : Final Notice FCRA Violations for Failure to Investigate and Provide Full Consumer File | Intent to Pursue Legal Action To Whom It May Concern, This letter serves as final notice that Innovis Data Solutions , Inc. is in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



On XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> I lawfully submitted a written dispute concerning inaccurate or unverifiable information in my consumer file, along with a request for a full consumer file disclosure. Rather than fulfill your legal obligations, you have responded with vague and non-substantive stall letters, falsely claiming the need for additional identity verification or irrelevant documents despite having already provided sufficient documentation. 





Your Violations Include : Failure to Investigate Disputed Information Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and provide the consumer with the results within 30 days. You have failed to comply.

Failure to Provide Complete Consumer File Under 15 U.S.C. 1681g ( a ), I am entitled to a complete and timely consumer file disclosure. Your refusal to provide this is a clear and actionable violation.

Use of Stall Tactics to Delay or Deny Rights Sending template letters requesting redundant identity verification is considered bad faith behavior and a willful attempt to obstruct the dispute and disclosure process. This is not only unethical but legally actionable.

LEGAL NOTICE If Innovis Data Solutions , Inc. does not comply with the following within 7 business days of receiving this letter : Conduct a proper reinvestigation and provide the results in writing, Provide me with my complete consumer file, and Remove or correct all unverifiable or inaccurate information from my file, I will immediately file a civil suit in Small Claims Court for the following : {$1000.00} per violation in statutory damages under FCRA 1681n, Actual damages as allowed under FCRA 1681o, Punitive damages for willful noncompliance, Court costs and legal fees.

Let this letter serve as your final opportunity to resolve this matter outside of litigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation