vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX BALANCED {$2900.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$1300.00} XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas, XXXX Experian to submit a dispute P.O. XXXX XXXX XXXX, TX, XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX Employer : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement ) for your verification. 

Best Regards, 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 2025-05-22 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: NY

Complaint narrative:
Im in disagreement with the accounts listed below, which appears on my credit report even after investigation, I would like this item immediately we investigated the accuracy are injuring my ability to obtain credit and my credit score these are the accounts below : XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting at public lol XXXX Title VI Section 611 Please provide the names and business address of each individual with whom you verified the items above so I can follow up and please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

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

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-22 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: MS

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per XXXX XXXX, I request their removal within XXXX  days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-22 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:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-22 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: CA

Complaint narrative:
I am writing to XXXX a formal complaint regarding a debt collection matter that I believe violates the Fair Debt Collection Practices Act. A company that claims to be a creditor or debt collector has contacted me attempting to collect a debt. I dispute the validity of this debt and request your assistance in obtaining the following : 1. A full debt validation letter, as required under 15 U.S. Code 1692g, including : a. The amounts of the alledged debt b. The name of the original creditor c.A detailed breakdown of how the amount was calculated d. Copies of any signed contracts or agreements 2. A copy of the assignment or purchase agreement between the original creditor and the current entity attempting to collect this debt. I need to verify that the collector has the legal right to collect the alleged debt and that the debt has been properly assigned or sold. 

Despite my written request to the debt collector for this information, I have not received the proper documentation. Continued collection attempts without validation constitute a violation of my rights under the FDCPA and possible the Fair Credit Reporting Act, especially if they have reported this account to credit reporting agencies. 
The companies involved in this matter are : XXXX. XXXX XXXX XXXX XXXX - Account number is XXXX - Balance {$5600.00} Reporting on my Transunion, Experian and Equifax XXXX, XXXX XXXX XXXX XXXX - Account number is XXXX -Balance {$2500.00}. Reporting on my Transunion, Experian and Equifax credit file. 

XXXX. XXXX XXXX XXXX - Account number is XXXX - XXXX {$1200.00} - Reporting on Experian credit file. 

XXXX. XXXX XXXX XXXX- Account number is XXXX - Balance {$110.00} - Reporting on my Transunion, Experian and Equifax XXXX file. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$880.00}. Reporting on my Transunion, Experian and Equifax credit file. 

XXXX XXXX XXXX XXXX Account number is XXXX - XXXX {$580.00}. 
Reporting on my Transunion, Experian and Equifax credit file. 

XXXX. XXXX - Transunion Credit Report XXXX XXXX XXXX is {$3500.00} XXXX. XXXX - Transunion Credit Report - XXXX XXXX is # 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 2025-05-22 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: CA

Complaint narrative:
I am writing to XXXX a formal complaint regarding a debt collection matter that I believe violates the Fair Debt Collection Practices Act. A company that claims to be a creditor or debt collector has contacted me attempting to collect a debt. I dispute the validity of this debt and request your assistance in obtaining the following : 1. A full debt validation letter, as required under 15 U.S. Code 1692g, including : a. The amounts of the alledged debt b. The name of the original creditor c.A detailed breakdown of how the amount was calculated d. Copies of any signed contracts or agreements 2. A copy of the assignment or purchase agreement between the original creditor and the current entity attempting to collect this debt. I need to verify that the collector has the legal right to collect the alleged debt and that the debt has been properly assigned or sold. 

Despite my written request to the debt collector for this information, I have not received the proper documentation. Continued collection attempts without validation constitute a violation of my rights under the FDCPA and possible the Fair Credit Reporting Act, especially if they have reported this account to credit reporting agencies. 
The companies involved in this matter are : XXXX. XXXX XXXX XXXX XXXX - Account number is XXXX - Balance {$5600.00} Reporting on my Transunion, Experian and Equifax XXXX, XXXX XXXX XXXX XXXX - Account number is XXXX -Balance {$2500.00}. Reporting on my Transunion, Experian and Equifax credit file. 

XXXX. XXXX XXXX XXXX - Account number is XXXX - XXXX {$1200.00} - Reporting on Experian credit file. 

XXXX. XXXX XXXX XXXX- Account number is XXXX - Balance {$110.00} - Reporting on my Transunion, Experian and Equifax XXXX file. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$880.00}. Reporting on my Transunion, Experian and Equifax credit file. 

XXXX XXXX XXXX XXXX Account number is XXXX - XXXX {$580.00}. 
Reporting on my Transunion, Experian and Equifax credit file. 

XXXX. XXXX - Transunion Credit Report XXXX XXXX XXXX is {$3500.00} XXXX. XXXX - Transunion Credit Report - XXXX XXXX is # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX  XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Today I sold a boat trailer for a friend. I posted on FB marketplace and the man who purchased it wanted to go ahead and pay the money. He had a PayPal account and I have XXXX also that I have only used a couple of times. He sent the money to my pay pal account for XXXX. As soon as it was sent PayPal out my funds on hold until I verified my information .I submitted everything they asked me for then they said they was deactivating my account and they would hold the funds for XXXX  days. They didn't give me a reason to why they deactivated my account. .The money isn't mine it belongs to my friend who owns the boat trailer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 do not recognize this XXXX XXXX XXXX  account you are reporting to my credit profile. 

Under FCRA 611 ( 15 U.S. Code 1681i ) I am requesting that you conduct a reinvestigation of this information and delete any inaccuracies.

I am also requesting the description of your reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days.

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 2025-05-22 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: TX

Complaint narrative:
I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report despite multiple attempts. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress, and as a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4500.00} 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was contacted by an unknown number on XX/XX/XXXX asking me to submit sensitive financial documents for review when my account had been in good standing. Due to compromised information I had been going through a lot and the card company did not even give me a chance to cooperate and immediately canceled my cards two days after their deadline only stated on phone and in an email with a link which is not advised. The department is totally separate and does not provide any kind of flexibility for customers. I have paid loyally for 10 years and now have a closed account. I would have appreciated a formal secure message on their website or a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 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. 

XXXX MTR # XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following name, employment, phone numbers and addresses do not belong to me and are incorrectly reported on my credit reports. I did not authorize these Inquiries. 
If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. 
If not, please delete all of this information that does not belong to me as soon as possible from my report or I will have to take legal action. 

Incorrect Name : XXXX XXXX Incorrect Employment : Ideal Partners, 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-22 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: GA

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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