vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am asking that there be some sort of accountability from the credit bureau for reporting this inaccurate information on my credit report. I've questioned the accounts on my credit report and I am requesting that the credit bureau effectively request the proper documentation opposed to receiving a generic answer supplying a verified confirmation opposed to looking over the proper documents in order for these accounts to report. I have no idea why the information is different amongst credit reports and this is unfair to me as a consumer. I am requesting the CFPB hold you accountable for the lacking supporting documents to represent my concerns. I'm about to be very specific. I am not stating that these accounts do not belong to me so do not state " we verified this account belongs to you. '' I have specific concerns about these accounts. Here are my concerns : XXXX XXXX XXXX XXXX XXXX, Found this item on the report that was inaccurate. Remove this item today. XXXX XXXX : XXXX, Discovered that this account has inaccurate information on my credit report because it's different from the other reports. Follow the law, investigate and delete. XXXX XXXX XXXX XXXX  XXXX, A possible error in my credit report as it does not match the other reports. Please verify if not, delete. 
XXXX XXXX XXXX :, The credit information is referenced as wrong due to the way it's being reported. Purge it from my credit report. XXXX XXXX XXXX XXXXXXXX, Inaccurate item on the credit report is still being list wrong. This information should be deleted. XXXX XXXX XXXX XXXX XXXX, Falsely listed on the credit report because it's not being reported correctly. Investigate the matter and remove the error asap. 
XXXX XXXX : XXXX, Inaccurate item on my credit report because it's not a 100 % accurate. Investigate this dispute and delete the bad account on the reportXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I Dispute the completeness and accuracy of this account. Investigate and make sure the information is accurate 100 %. XXXX XXXX XXXX XXXXXXXX, Accounts does NOT match the listing from the other bureaus. The data should be 100 % correct and complete. If not remove it asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
This company never send me a consumer report when I request it in writing with my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.

The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-04 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: NJ

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.

The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-04 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: OH

Complaint narrative:
Date : XX/XX/year> Subject : Request for Deletion of Unverifiable Personal Information Under the FCRA To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure the completeness and accuracy of the information maintained in my credit file. I am requesting the immediate removal of all personal data that is either inaccurate or not verifiable using primary documentation. 
The only personal information that should remain associated with my file is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Attached is a utility bill to confirm the validity of this address. 
Please remove and permanently omit any and all of the following that can not be verified through documentation : Variations of my name or aliases Past or incorrect addresses Any employer or employment information Any extraneous or third-party personal identifiers These items are not supported by records I have submitted, and their presence violates your duty under 15 U.S.C. 1681e ( b ) to report only accurate and verifiable consumer data. 
Please confirm once all unverifiable personal data has been removed from my file. 
Sincerely, XXXX XXXX XXXX ( see attached )

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 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX, I used a PayPal Credit account which was in good standing. In late 2021, I was streaming online and received a voluntary {$1200.00} payment from a viewer via PayPal. The money was sent directly by the individual, willingly, with no request or fraud involved. 

A few days later, that individuals wife discovered the transaction, and in order to cover up his dishonesty, he falsely claimed the payment was fraudulent and she disputed it as fraud with their bank. The individual admitted to me in writing ( via Discord messages ) that he sent the money voluntarily and only claimed fraud to protect himself in his marriage. 

I provided full written proof and screenshots of those messages directly to PayPalincluding messages from both the man and his wife. PayPal refused to accept this evidence and sided with the false dispute. They then reversed the {$1200.00} from my account and pulled it against my PayPal Credit line ( which I never authorized for this transaction ), and eventually reported the entire amount to collectionswhich has sat on my credit report ever since. 

This debt was falsely created by PayPals failure to properly investigate a known false fraud dispute. I did not commit fraud, I did not authorize this on credit, and I have ample documentation proving my innocence. 

I am requesting : Immediate removal of this item from my credit report, Removal from collections, And full forgiveness and closure of the debt, with a letter confirming the resolution. 

This incident has unjustly damaged my credit for years based on someone elses lie and PayPals failure to investigate properly. I want it resolved and erased.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be 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 2025-07-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of three unauthorized credit inquiries from Navy Federal Credit Union that appear on my credit report. These inquiries occurred as soft pulls, yet they negatively impacted my credit score, functioning similarly to hard inquiries in effect.

I did not grant written authorization for Navy Federal to access my credit report in this way, nor was there a permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these inquiries to be conducted in the manner they were. This is a violation of my rights as a consumer.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b Permissible purposes of consumer reports, a consumer reporting agency may furnish a consumer report only under certain specified conditions. These include : A consumer reporting agency may furnish a consumer report only if the consumer has given written instruction, or the report is to be used in connection with a credit transaction involving the consumer and initiated by the consumer. 

I did not initiate any credit transaction that required these inquiries, nor did I provide written consent for them to access my credit report. Therefore, these inquiries are in violation of FCRA 1681b and should be removed immediately from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXXXXXX, if applicable ). 

These inquiries have resulted in a negative impact on my credit score and have caused undue harm to my creditworthiness. I am requesting that this matter be investigated immediately, and the unauthorized inquiries be deleted from my credit profile.

Please confirm receipt of this complaint and advise on next steps. I am requesting a written resolution from Navy Federal and a formal update from the CFPB once this issue has been reviewed. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NCA regarding an account I have with them XXXXXXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$860.00}. 

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 NCA buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed an account that was not reported accurately. I have one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Late payment was reported for XX/XX/XXXX. 

Account : XXXX XXXX Late payment was reported for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their responsibilities under the Fair Credit Reporting Act ( FCRA ). They have not conducted a proper and reasonable investigation into the disputes I submitted. Despite my clear notification of inaccurate and negative items on my credit report, these accounts continue to be reported without sufficient verification. This has led to unjust damage to my credit score, restricting my access to financial opportunities and causing significant personal and financial hardship.

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 2025-07-04 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:
I am filing this complaint because the credit bureaus have failed to meet their responsibilities under the Fair Credit Reporting Act ( FCRA ). They have not conducted a proper and reasonable investigation into the disputes I submitted. Despite my clear notification of inaccurate and negative items on my credit report, these accounts continue to be reported without sufficient verification. This has led to unjust damage to my credit score, restricting my access to financial opportunities and causing significant personal and financial hardship.

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 2025-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm trying to purchase a home and this medical debt shows up. 
XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, outdated, or unverifiable. I am requesting that this item be investigated and verified, or otherwise deleted from my credit report. 

Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to privacy regarding my medical information. If this collection agency is reporting this debt without proper authorization or without providing me with adequate validation of the debt, it may be in violation of HIPAA guidelines as well. 

Please conduct a reinvestigation of this account and provide me with the following : A complete itemization of the debt. 

The name and address of the original medical provider. 

Proof that I authorized treatment and owe this balance. 

Documentation showing that this agency has permission to collect on this debt and share it with credit bureaus. 

Proof that you have followed all HIPAA and FCRA procedures in listing this debt on my report. 

If this account can not be properly verified within 30 days, as required by the FCRA, I request that it be immediately deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I'm trying to purchase a home and this medical debt shows up. 
XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, outdated, or unverifiable. I am requesting that this item be investigated and verified, or otherwise deleted from my credit report. 

Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to privacy regarding my medical information. If this collection agency is reporting this debt without proper authorization or without providing me with adequate validation of the debt, it may be in violation of HIPAA guidelines as well. 

Please conduct a reinvestigation of this account and provide me with the following : A complete itemization of the debt. 

The name and address of the original medical provider. 

Proof that I authorized treatment and owe this balance. 

Documentation showing that this agency has permission to collect on this debt and share it with credit bureaus. 

Proof that you have followed all HIPAA and FCRA procedures in listing this debt on my report. 

If this account can not be properly verified within 30 days, as required by the FCRA, I request that it be immediately deleted from my credit file.

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 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 4M Collections, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX I am submitting this formal complaint regarding an account reported by Solverity that appears on my credit report. I have been actively disputing this account for over a year through the credit reporting agencies ( XXXX XXXX XXXX ), as well as via XXXX XXXX. Despite my ongoing efforts, Solverity has never once responded to my disputes or provided the itemized documentation I repeatedly requested, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ). 

On XX/XX/XXXX, I also filed a complaint with the XXXX XXXX XXXX ( XXXX  ), and I have an email trail from that case showing that Solverity still failed to provide the itemization of the debt or validate the account as required by law. 

Today is XX/XX/XXXX, and by XX/XX/XXXX, it will have been 30 days since that XXXX  complaint with no response or validation from Solverity. Under the FCRA, unverifiable information must be deleted from a credit report within 30 days of a dispute. Therefore, this account is in violation of federal law and must be removed from my credit report immediately. 

I am requesting that the CFPB take action to ensure that Solverity, has it permanently removed from all consumer reporting agencies.

Company response to consumer: Closed with explanation