vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
They closed my account and will not tell me why. I was unaware the account was closed. I made a deposit and they accepted it and now they won't let me have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
* * RE : Formal Dispute Under FCRA Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the information that appears on my Equifax credit report regarding the account listed as XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX  This account is currently being reported with an over the limit balance, which is inaccurate and misleading. This reporting has negatively impacted my creditworthiness and appears to violate my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *.

The FCRA requires Equifax to ensure that all information reported is complete and accurate. Upon review of my credit file, I found this account to be inaccurately listed as over the limitdespite my efforts to maintain responsible financial behavior. As this information is not a fair or factual representation of my account history, I am requesting that * *
Equifax immediately investigate this entry and remove it from my credit report * *.

Please note that under * * FCRA 1681i ( a ) ( 1 ) ( A ) * *, Equifax has 30 days to investigate my dispute and rectify or delete the inaccurate information. If the investigation finds that the data furnisher can not verify the accuracy of the account or its current status, you are obligated to remove it. 

As supporting documentation, I have enclosed copies of my government-issued ID, a utility bill for address verification, and relevant records demonstrating the inaccurate nature of this tradeline. I respectfully request a prompt and thorough investigation, with written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Emails requesting I owe extra amount and its not even my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i was a victim of Identity Theft there were a total of XXXX charges all equaled to XXXX cents These XXXX charges stem from Charges like XXXX XXXX XXXX, XXXX, all charges that i know nothing about i am very frustrated and requesting That a thorough investigation, I am requesting that my funds are placed back into my account immediately and that the fraudster should brought to justice on my behalf. I work to hard for my money to become a causality of Scammers I am brining this to both your attention and the cfpb so that both of these reports could be both documented and, in the system,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 are reporting charge-off and closed accounts with serious discrepancies that violate federal law, XXXX XXXX compliance standards, and basic data integrity obligations. These entries are inconsistent across bureaus, lack proper verification, and prove your reporting systems are unreliable and non-compliant.

Let me be clear : 15 U.S. Code 1681e ( b ) requires maximum possible accuracy. You failed.

15 U.S. Code 1681i ( a ) requires reinvestigation upon dispute. You ignored it.

15 U.S. Code 1681s-2 ( b ) requires furnishers to correct or delete inaccurate data. You continue to report false information.

Under Metro 2, your conflicting balances, statuses, and date entries across bureaus make these accounts unverifiable by definition.

This is willful noncompliance. The Equifax Data Breach already exposed millions of consumers ' private information. Your refusal to purge unverifiable accounts tied to that breach further proves gross negligence. You are still reporting the following unverifiable accounts : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  You have failed to produce any lawful documentation proving the accuracy and validity of these accounts. If you can not fully verify these accounts with original documentation, you must DELETE them immediately. Anything less constitutes a willful violation.

Per 15 U.S. Code 1681n and 1681o, you are now exposed to civil liability for each violation. This is your final notice. Comply with federal law or face legal action.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX XX/XX/year>, I was hired under what I believed to be a legitimate position as XXXX XXXX XXXX  to an individual named XXXX XXXX. As part of the job, I received checks from individuals who were introduced as clients or business contacts. I deposited the first check using XXXXXXXX XXXX mobile deposit, and the check was cleared by the bank funds were made fully available to me. 

Believing the job and the payments were valid, I followed the instructions given to me and sent payments through XXXX to other individuals I was told were business vendors or partners. 

XXXX  Transactions Sent in Good Faith These are the XXXX transactions I made using the funds that XXXX had cleared : XXXX XXXX {$500.00} on XX/XX/XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX XXXX XXXX {$320.00} on XX/XX/XXXX XXXX XXXX {$400.00} on XX/XX/XXXX I made these payments under the belief that I was performing my duties as an employee, using cleared funds from what I believed to be legitimate payroll. 

Discovery of Fraud and Failure to Protect Me Soon after the transactions, I was informed by XXXXXXXX XXXX XXXXhat the checks were fraudulent. I immediately took the following actions : I filed a police report, documenting the scam. 

I notified XXXX XXXX  and submitted supporting information. 

I contacted XXXX, explaining that I had unknowingly sent funds to scam accounts and requested that the payments be reversed or the accounts be frozen. 

Despite my timely fraud report and full transparency, XXXX failed to recover the funds or take action against the accounts I had reported. Furthermore, XXXX  withdrew additional money from my account, holding me responsible for fraudulent transactions even after I notified them of the situation and submitted a police report. 

This not only compounded the financial loss I experienced, but it also demonstrated a lack of fraud protection or good faith effort on XXXX part to support a user who was clearly acting honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution.

Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ]

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 2025-06-24 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number 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 non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In XXXX, 2025, I contacted XXXX Synchrony regarding multiple inaccurate late payments reported by XXXX on account # XXXX. 

The account was paid in full by the due date, but XXXX later charged {$4.00}, which began to accrue interest. After I contacted them, XXXX acknowledged the error and issued refunds totaling {$41.00}, resulting in a credit balance of - {$28.00}. This confirms that XXXX owes us money, not the other way around. We were told the late payment remarks would be removed from my credit report. They then cancelled the card entirely which I was not informed of until it showed up on my report as a closed account. 

Despite this, in XX/XX/year>, filed disputes with the credit bureaus, as they had not removed the late payment remarks. After investigating, XXXX  removed the late payments, confirming they were inaccurate. XXXX  sent me the investigation results on XX/XX/XXXX. XXXX  and XXXX  are still pending investigation. Since then, XXXX Synchrony has re-reported the same inaccurate late payments to XXXX, now showing the account as 120 days past due. This is false and misleading, as the account was not actually past due for this time frame given their refund and currently has a negative {$28.00} balance. 

This appears to be an unlawful case of re-aging, a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB investigate XXXX actions and require them to remove the inaccurate tradeline and cease further violations of federal credit reporting laws.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS
State: GA

Complaint narrative:
Dear LexisNexis Risk Solutions : I am writing to dispute and demand the immediate deletion of personal information furnished by LexisNexis to consumer reporting agencies, which is false, unauthorized, and in violation of federal law. Specifically, you have unlawfully obtained and disseminated my means of identification ( e.g. name, address, SSN, date of birth ), in violation of : 18U.S.C. 1028 by obtaining and sharing my identifying information without consent and under false pretenses XXXX. 

15U.S.C. 1681, et seq. ( FCRA ) I am disputing all entries in your reports. Under 1681i ( a ) ( 1 ), LexisNexis ( as a furnisher ) must investigate and correct or delete disputed information within 30 days and remove it from consumer reports within 4 business days after notice per 1681i ( a ) ( 5 ) and 1681s2 ( b ) XXXX. 

Privacy Act of 1974 due to unauthorized collection and disclosure of my personal data without statutory or other formal consent. 

I was not informed or asked for consent to collect, furnish, or sell my personal identifiers to insurance companies or consumer reporting agencies. This lack of notification, consent, and my status as an uninformed consumer constitute deceptive and unfair practices under FCRA and Privacy Act. LexisNexis has thereby acted in willful violation of 1681n, o of FCRA. 

Disputed Items : All personal identifiers, insurance-related data, claims, or other information reported without my authorization or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

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