vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX # XXXX Upon reviewing my credit report, I noticed multiple discrepancies in the reporting of this account, including : Inconsistent payment history ( some reports state no history, others show 33 % 64 % on-time payments ) Contradictory charge-off amounts and statuses Different dates of last activity and reporting These conflicting reports are misleading and could negatively impact my credit standing. I request that you investigate this matter and correct or remove any inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. According to this law : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation and record the current status of the disputed information, or delete the item within 30 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX # XXXX Upon reviewing my credit report, I noticed multiple discrepancies in the reporting of this account, including : Inconsistent payment history ( some reports state no history, others show 33 % 64 % on-time payments ) Contradictory charge-off amounts and statuses Different dates of last activity and reporting These conflicting reports are misleading and could negatively impact my credit standing. I request that you investigate this matter and correct or remove any inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. According to this law : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation and record the current status of the disputed information, or delete the item within 30 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 explanation
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
Hi. I was checking my credit profiles and i found unauthorized fraudulent inquiries and XXXX  account ( account number XXXX limit XXXX $ ) on my credit reports. Please help me to remove those unauthorized fraudulent inquiries and account from my credit reports. 
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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-14 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: VA

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from Ally Bank stating that my email address had been deactivated from XXXX and that I would no longer be able to use XXXX services. The next day, on XX/XX/year>, I attempted to log in to my Ally Bank account and was unable to do so. I called Ally Bank customer support and was informed that my account had been locked and placed under investigation for fraud. 

During the call, I confirmed my identity and answered several questions from the representative : Have you changed your XXXX contact information recently? I answered yes, as I had added a new email address to my XXXX profile a few months ago. 
Have you added any new XXXX contacts recently? I answered yes, as I had been sending a friend {$50.00} over the past few days. 
What do you use XXXX for? I explained that I use XXXX to receive payments from friends, as we often split shared costs. 

After providing these answers, I was told that the account is under investigation due to a disputed XXXX payment of {$150.00} sent to me. I asked for more information about the dispute, including who initiated it and the reason for it, but the representative refused to provide any details, citing internal policies. 

I was told that my account would remain restricted until the investigation is complete and that I could call back for updates. However, I am now completely locked out of my account and unable to access my own funds, which I find unacceptable. 

I have not received any communication explaining the timeline for the investigation or what steps I can take in the meantime. I believe this action is overly punitive and lacks transparency, especially since I am not accused of any wrongdoing and have complied fully with Allys questions.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following inquiries were not authorized by me INQUIRIES NOT RECOGNIZED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following inquiries were not authorized by me INQUIRIES NOT RECOGNIZED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am writing to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize. 

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation.

Filed an FTC complaint ( attached ) regarding these suspicious accounts. 
Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint National Data Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts. 
Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B. 
Written confirmation once this dispute has been resolved. 

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Accounts 1. XXXX XXXX XXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXX. XXXX XXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX Inquires XXXX.XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing regarding an account currently listed on my credit report. Im asking that you certify, in full, that every piece of information tied to this account actually belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I do not owe this debt or have any knowledge a contract or agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Sold a gaming computer for {$1100.00} in-person on XXXX Marketplace XXXX Thursday, XX/XX/XXXX @ XXXX using Venmo after the person verified that the PC was as described and worked. XXXX weeks later the person files a dispute with Venmo to have never received the item, despite providing evidence to Venmo that he came to my house to pick the item up, Venmo decided to side with the scammer. I now have a negative balance on my Venmo account and am at risk of the debt being sent to collections. Venmo 's user agreement explicitly states that in-person transactions are not valid for buyer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment ( s ) being reported on my credit report for the account ending in XXXX. I have disputed this with both the credit bureaus and the original creditor. However, the late payments remain without proper verification. 

I am requesting that the creditor and credit bureaus provide specific documentationsuch as account statements and transaction recordsthat prove these payments were actually late. To date, no such evidence has been provided.

Under 15 U.S. Code 1681s-2 ( a ), furnishers are required to report accurate information. Under 1681i, the credit bureaus must conduct a reasonable investigation. If verification can not be provided, the account should be updated to Paid as Agreed Never Late as required by law.

Please investigate and enforce compliance. This unresolved issue is harming my credit unfairly.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment ( s ) being reported on my credit report for the account ending in XXXX. I have disputed this with both the credit bureaus and the original creditor. However, the late payments remain without proper verification. 

I am requesting that the creditor and credit bureaus provide specific documentationsuch as account statements and transaction recordsthat prove these payments were actually late. To date, no such evidence has been provided.

Under 15 U.S. Code 1681s-2 ( a ), furnishers are required to report accurate information. Under 1681i, the credit bureaus must conduct a reasonable investigation. If verification can not be provided, the account should be updated to Paid as Agreed Never Late as required by law. 

Please investigate and enforce compliance. This unresolved issue is harming my credit unfairly.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: CT

Complaint narrative:
Repeated phone calls and text messages from XXXX XXXX from New Mexico. I called the number to ask why they kept calling and they said its because somebody had cashed a check written out to my name associated with my Social Security number and theyre collecting it as a debt. When I said what address was this sent to they gave me an address in New Mexico. Ive never been to New Mexico in my life and I live in Connecticut. She kept saying well we have your Social Security number and you cashed the check. I asked her to confirm the name of the person the check was sent to. She stated my name but the wrong middle initial. She kept saying if I didnt set up a payment plan they were going to report me to the credit bureau and did I want to ruin my credit etc. so I hung up on them and blocked their number. Im pretty sure she was trying to get me to verify my Social Security number. Scam!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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