vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$350.00}, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$610.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$73.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} ; fraudulent inquiries off of my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 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: FL

Complaint narrative:
I am formally disputing multiple late payments inaccurately reported by TransUnion. These accounts are marked as late despite being paid on time, and this misinformation is negatively affecting my credit score.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reporting inaccurate and potentially misleading credit reporting by XXXX XXXX XXXX XXXX in possible violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) and ( b ), which requires furnishers of credit information to report accurately and to correct or delete information that is not complete or accurate. 

According to my credit report : The XXXX account was opened on XX/XX/XXXX with a credit limit of {$2700.00}, and a highest balance of {$2800.00}. 

The account was charged off for {$2700.00} and subsequently sold to XXXX XXXX XXXX XXXX, as indicated in the credit report. 

Despite the sale, XXXX  continued to report negative payment history and charge-off status updates through XX/XX/XXXX, including : 30 days late in XXXX XXXX 60 days late in XXXX XXXX  90 days late in XXXX and XXXX XXXX  120 days in XXXX XXXX  150 days in XX/XX/XXXX Charge-Offs in XXXX and XXXX XXXX Under the FCRA, specifically 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information with actual knowledge of errors, and under 1681s-2 ( b ), once a dispute is filed, furnishers are required to investigate and correct inaccuracies. Continued reporting of new delinquencies or charge-offs after the sale of the account misrepresents the status and ownership of the debt.

Additionally, this creates a duplicate derogatory impact because the account is now also reported by XXXX XXXX XXXX, the debt purchaser, causing the same debt to be reported twice in separate trade lines. This is misleading to lenders and unfairly lowers my credit score. 

A reinvestigation completed in XX/XX/XXXX ( according to Experian ) did not resolve the issue. Despite my efforts, Allys tradeline continues to reflect late payments and charge-offs after they no longer owned the account. This goes against the FCRA requirement that credit reporting must be both accurate and not materially misleading ( as interpreted in court rulings such as Seamans v. Temple University, 744 F.3d 853 ( 3d Cir. 2014 ) ).

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 2025-08-07 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: MI

Complaint narrative:
I am reporting inaccurate and potentially misleading credit reporting by XXXX XXXX XXXX XXXX in possible violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) and ( b ), which requires furnishers of credit information to report accurately and to correct or delete information that is not complete or accurate. 

According to my credit report : The XXXX account was opened on XX/XX/XXXX with a credit limit of {$2700.00}, and a highest balance of {$2800.00}. 

The account was charged off for {$2700.00} and subsequently sold to XXXX XXXX XXXX XXXX, as indicated in the credit report. 

Despite the sale, XXXX  continued to report negative payment history and charge-off status updates through XX/XX/XXXX, including : 30 days late in XXXX XXXX 60 days late in XXXX XXXX  90 days late in XXXX and XXXX XXXX  120 days in XXXX XXXX  150 days in XX/XX/XXXX Charge-Offs in XXXX and XXXX XXXX Under the FCRA, specifically 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information with actual knowledge of errors, and under 1681s-2 ( b ), once a dispute is filed, furnishers are required to investigate and correct inaccuracies. Continued reporting of new delinquencies or charge-offs after the sale of the account misrepresents the status and ownership of the debt.

Additionally, this creates a duplicate derogatory impact because the account is now also reported by XXXX XXXX XXXX, the debt purchaser, causing the same debt to be reported twice in separate trade lines. This is misleading to lenders and unfairly lowers my credit score. 

A reinvestigation completed in XX/XX/XXXX ( according to Experian ) did not resolve the issue. Despite my efforts, Allys tradeline continues to reflect late payments and charge-offs after they no longer owned the account. This goes against the FCRA requirement that credit reporting must be both accurate and not materially misleading ( as interpreted in court rulings such as Seamans v. Temple University, 744 F.3d 853 ( 3d Cir. 2014 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00}, ; fraudulent inquiries off of my report : XXXX XXXXXX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 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: MD

Complaint narrative:
A collection ( XXXX XXXX XXXX ) was placed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
On XX/XX/XXXX after my birthday I went to my local credit union with intentions of opening a regular checking accountbecause I just turned XXXX and I dont have an existing account with them they asked if it was okay to run my credit and I of course said yes which I and my family were caught by surprise that my credit was so lowwe asked for information and which she gave us as much as she could and gave us TransUnion NumberI called them I explained the situation they told me the same information the lady at XXXX  told me it was a XXXX  XXXX card opened in XXXX XXXX XXXX with a limit of {$300.00} which I had no knowledge of and thats where the representative told me my best bet was to contact XXXX  XXXX and explain to them and create a dispute on TransUnion with any other information the lender gave me which wasnt much they were confused as well and I was passed around to multiple people who werent able to verify any of my legal documentation to the account including other forms of verification like my phone number, email addresses and picture of my face. Since then I have been going back and forth with TransUnion and XXXX  XXXX until XXXX where I finally reached a helpful person at XXXX  XXXX who opened a case number with their fraud department and that they would reach out to me within 90 days. I have been told to reach out or write letters to fasten my case. Therefore I am writing to dispute an account that has been reported under my name and is appearing on my credit report. I know this account is the result of identity theft, as I did not open it and have no knowledge of it or to may have. I am formally disputing this account and requesting that it be removed from my credit report immediately. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and you are required to investigate and correct any errors. 

I have attached legal documents simply my drivers license. 

Thank you, XXXX 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 explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
In late XX/XX/year>, PayPal placed limitations on my account and froze a balance of {$500.00} USD. I contacted them requesting the release of the funds, which came from legitimate sales on XXXX, where I sell XXXX XXXX  to help with my bills, as I am currently unemployed. 

I had been using my PayPal account for months without issue, receiving and sending payments, and it was in good standing. However, after I escalated the matter of the frozen funds to PayPals executive offices, I suddenly received a new allegationthat my account was linked to another account with a negative balance of {$480.00} USD. 

This allegation was never raised prior to my escalation, and I believe it was made in retaliation for pushing back on the hold placed on my money. I immediately denied any connection to this alleged account and submitted a written statement to that effect. PayPal has since refused to provide any identifying information about the other account, only stating that it is locked. This makes it impossible for me to verify, dispute, or properly respond to the claim. It appears suspicious and procedurally unfair. 

On XX/XX/year>, I was informed that my account had been permanently deactivated. The justification cited was that the account may have been opened by an underage person or a resident of a restricted country. Neither of these apply to me. I am an adult and a XXXX XXXX XXXXXXXX, which is a country where PayPal operates.

PayPals refusal to release my legitimate earnings and their lack of transparency suggest unjust enrichment and an abuse of internal policy mechanisms. I am requesting the immediate release of the {$500.00} USD held in my account and a detailed explanation of the actions taken, including the rationale behind the sudden introduction of allegations only after my complaint was escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have recently changed my legal name and address and I had submitted its documents online and by mail for Equifax in XX/XX/year>. However, when I log into my Equifax online account, I see that my old name is still listed and no changes have been made. When I called Equifax support center they told me I needed to resubmit the same documents. I have recently resubmitted all documents by mail but I have never received any response or confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft and have identified multiple fraudulent accounts and unauthorized inquiries on my credit report. I was also impacted by the Equifax data breach, and my information has been used to commit unemployment fraud. These issues are severely damaging my financial standing and personal credibility.

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 2025-08-06 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: CT

Complaint narrative:
I am a victim of identity theft and have identified multiple fraudulent accounts and unauthorized inquiries on my credit report. I was also impacted by the Equifax data breach, and my information has been used to commit unemployment fraud. These issues are severely damaging my financial standing and personal credibility.

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 2025-08-07 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-06 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-07 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 am writing to formally dispute several accounts currently being reported under my name. I did not authorize, open, or manage these accounts, and they represent inaccurate and misleading information about my financial history. 

These unauthorized accounts are deeply concerning and must be investigated immediately.

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 2025-08-07 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation