vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit account opened at XXXX XXXX XXXX on XXXX XXXX under the account # ( XXXX ) a mortgage loan opened at XXXX XXXX  XXXX XXXX XXXX  under the account # ( XXXX ) a Rental Property opened at XXXX XXXX XXXX  on XXXX XXXX  under the account # ( XXXX ) these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 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 explanation
Consumer complaint received 2025-06-04 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:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit account opened at XXXX XXXX XXXX on XXXX XXXX under the account # ( XXXX ) a mortgage loan opened at XXXX XXXX  XXXX XXXX XXXX  under the account # ( XXXX ) a Rental Property opened at XXXX XXXX XXXX  on XXXX XXXX  under the account # ( XXXX ) these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have repeatedly been called by a supposed representative from Chase Bank (? ) They claim I owe on an XXXX card, which I never had or applied for. They claim I have not paid on the account of over XXXX XXXX. I told them I did not have, nor had I ever had, an XXXX card, and to stop calling me. I checked my XXXX account, and there is no card showing ( because I don't have one, nor have I ever had one ). They have called me from different numbers as well. I have checked my credit, and there is nothing reporting delinquent accounts. I told them to stop the calls under not circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I recently reviewed a copy of credit report noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I recently reviewed a copy of credit report noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I made a purchase through PayPal on XXXX for a digital game code for XXXX ( XXXX XXXX  ). The seller did not provide the code as advertised, but instead gave me login credentials to a XXXX account. This is not what was purchased or advertised. I have opened XXXX disputes through PayPal all under item not as described and they keep siding with the seller even though this is a clear bait-and-switch. 

PayPal claims to offer Buyer Protection, but they have not upheld it in this case despite strong evidence. This has been frustrating and feels deceptive. I am seeking a full refund for this fraudulent transaction and for PayPal to review its decision process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-06-04 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:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently reviewed a copy of credit report noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-04 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: NM

Complaint narrative:
I am filing this complaint against Experian for repeatedly refusing to conduct reasonable investigations of my disputes, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Despite submitting valid disputes on the following dates, XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX ) XX/XX/XXXX regular mail XX/XX/XXXX regular mail XX/XX/XXXX regular mail I mailed dispute letters to Experian via USPS certified mail and regular mail, requesting the removal of inaccurate and incomplete reporting of bankruptcy on my credit report and the removal of incorrect personal information, causing me significant financial and emotional harm Experian has failed to correct an inaccurate bankruptcy listing and incorrect personal information on my credit report. In my dispute letters, I also specifically requested information on how Experian verified the accuracy of the disputed negative items and a bankruptcy on my credit report. To comply with FCRA guidelines, I included a copy of my government-issued ID, Form W2, and proof of address in each dispute letter to verify my identity. 
Despite my repeated efforts, Experian continuously refused to conduct an investigation. Each time, they responded with the same generic response, which I received on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This is incorrect, as I personally submitted my disputes and provided all necessary identification documents for verification. However, Experian has : Refused to investigate, claiming my disputes are frivolous without valid reasoning, or Failed to respond within the FCRAs required 3045 days. 
Under the FCRA, when a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians repeated refusal to conduct an investigation violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a dispute.

15 U.S.C. 1681i ( a ) ( 6 ) - Requires credit reporting agencies to provide consumers with information regarding how the disputed information was verified.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I disputed a negative account on my credit report with [ XXXX XXXX XXXX XXXX XXXX ], specifically an account reported by Upstart Network.

The credit bureau responded by stating the item was " verified '' but did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ). The creditor only provided [ e.g., basic billing statements ], which is not sufficient legal documentation to verify the account.

I also requested the method of verification, and the bureau failed to provide the name, contact info, or documents used, violating FCRA 611 ( a ) ( 7 ) and 623 ( a ) ( 1 ) ( A ).

I am requesting the CFPB require the credit bureau and data furnisher to either provide full, documented verification or remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
Kindly remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize these accounts, nor am I aware of their source. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Please find the attached documents for your review. Additionally, the account details being reported differ between the bureaus and contain errors.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a letter in the mail from a debt collector called, Resurgent. In the letter, it told me that I owed {$690.00}. It is for an unpaid bill from a company called XXXX XXXX XXXX. I did not open up this account with this company. It is a solar company and the address Where supposedly the solar panels are located are in Texas. I do not own any property in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: OK

Complaint narrative:
Kindly remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize these accounts, nor am I aware of their source. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Please find the attached documents for your review. Additionally, the account details being reported differ between the bureaus and contain errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-04 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: NC

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$83.00} Inquiries XXXX Date : XXXXXXXX XXXXXXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief