vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against Equifax regarding inaccurate and fraudulent information on my credit report. I recently obtained my credit report from Equifax and discovered several discrepancies that appear to be the result of identity theft. Under Florida law, specifically Chapter 501, Part IX, the Florida Identity Theft Protection Act ( Florida Statutes 501.601-501.626 ), and the federal Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have inaccurate and fraudulent information removed from my credit report.

Upon reviewing my Equifax credit report, I found multiple accounts that are not mine and appear to be fraudulent. These unauthorized entries are negatively impacting my credit score and financial standing. I have also placed a fraud alert on my Equifax credit file. 

The following accounts on my Equifax credit report are disputed as fraudulent or unauthorized : Open Accounts XXXX XXXX  ( Account number : XXXX ) - This revolving account shows 2 late payments in XXXX and XXXX. I am listed as an Authorized User. I do not have any late payments on this account. 
XXXX XXXXXXXX XXXX ( Account number : XXXX ) - This installment account has a balance of {$13000.00} and shows XXXX late payments, including 30, 60, and 90-day delinquencies across XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX XXXX ( Account number : XXXX ) - This mortgage account has a balance of {$180000.00} and shows 13 late payments, including 30, 60, 90, and 120+ day delinquencies across XXXX, XXXX, and XXXX. 

Closed Accounts XXXX XXXX XXXX  ( Account number : XXXX ) - This installment account is reported as " Charge-off '' as of XX/XX/XXXX, with 34 potentially negative months. 
XXXX XXXX ( Account number : XXXX ) - This open account is reported as " Charge-off '' as of XX/XX/XXXX, with 26 potentially negative months. 
XXXX XXXXXXXX XXXX XXXX ( Account number : XXXX ) - This revolving account shows 1 late payment and was closed by the credit grantor. 
XXXX XXXX XXXX ( Account number : XXXX ) - This revolving account is reported as " Charge-off '' as of XX/XX/XXXX, with 19 potentially negative months. The credit line was suspended.

These accounts are not associated with me, and I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-05-23 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: MS

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 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 2025-05-23 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-23 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: NY

Complaint narrative:
I have directly affected by the Equifax Data breach and someone has opened unauthorized accounts on my credit profile. This is affecting my credit negatively and preventing me from obtaining credit. Please remove and block these items, they are making a negative impact in my life! XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
CFPB Complaint Unlawful Account Suspension by Western Union Summary of Complaint Submitted by Legal Counsel on Behalf of Consumer : Our clients Western Union account was suspended without advance notice, without an opportunity to respond, and without any explanationdespite their full compliance with platform terms and relevant laws. The transactions in question were : XXXX. A {$4500.00} business-related transfer for medical supplies, executed in XXXX same-day bank-funded payments consistent with the displayed {$3000.00} per-transaction limit.XXXX. A one-time personal purchase of a replica fashion item, which was not known to be noncompliant at the time of purchase.Western Union has refused to provide a rationale or reinstate the account, in violation of its duties under XXXX XXXX. XXXX ( UDAAP ) and possibly in breach of Federal Trade Commission XXXX XXXX ( XXXX XXXX. XXXX ). Our client is concerned that their data may have been wrongfully flagged or reported to external compliance or fraud databases, which may constitute additional harm. 
We request that the CFPB : - Investigate Western Unions consumer handling and account suspension policies ; - Require a written justification from Western Union ; - Mandate reinstatement ; Confirmation that no adverse reporting has occurred.Sincerely, XXXX XXXX, Attorney for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  account continues to report on my credit report as late payments and it reports the account was sold to another lender I have no refence of having a XXXX XXXXXXXX accountXXXX XXXX XXXX XXXX XX/XX/year> i have disputed this account also and this reports on my account as sold to lender profit loss write off. XXXX XXXX also has a account that was sold to another company called jefferson capital system and it continues to report on my account i have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
XXXX XXXX XXXX fraudulently placed incorrect information on my Transunion account. I spoke with Transunion employees today including a XXXX, XXXX who lack decorum and any knowledge of the FCRA. She advised that Transunion investigated this collection but can not any how they investigated it and what's was the results. Under the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681i the credit reporting agencies are supposed to investigate disputes and not the collection agencies. I initially contacted XXXX XXXX XXXX but they were unable reproduce a lease for the apartment they're collecting. They advised me to contact XXXX XXXX XXXX, I did but the information was sent was XXXX XXXX. The lease I signed in 2023 and uploaded is for XXXX XXXX. This was pointed out to Transunion and XXXX XXXX XXXX several times but they refused to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I received multiple calls both during and outside of business hours, I requested validation of the debt via their provided contact email. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
The account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address :

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 2025-05-23 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: PA

Complaint narrative:
On XX/XX/2025 XXXX XXXX XXXX XXXX XXXX account was paid in full and Experian is report an inaccurate on my credit report XXXX XXXX XXXX XXXX XXXX inform me that they sent over information that this account was paid in full and need to be off of my credit report Iam writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX XXXX that being reported on my credit report with inaccurate 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 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
This account was discharged through a 1099-C Cancellation of Debt. Therefore, under the terms of the discharge, this debt has been legally forgiven and should no longer be reported as outstanding or delinquent.

Furthermore, I do not have a valid contract or agreement with the current debt collector, and they do not have my authorization to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I request validation of this debt, including proof of a legally enforceable contract between myself and the collector. Until such proof is provided, this account should be removed from my credit report.

Additionally, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request a thorough investigation into this matter and removal of any inaccurate or unverifiable information.

Please consider this letter a formal dispute. I expect that this inaccurate information will be deleted or corrected on my credit report within the 30-day investigation period as required by law.

Thank you for your prompt attention to this matter.

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 2025-05-23 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Equifaxs continued reporting of inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Equifax is reporting this account with serious factual inaccuracies and inconsistencies, including but not limited to : Reporting the account as both Paid and Charge-off, which is contradictory. 
Listing the High Credit as {$0.00}, while other credit bureaus report it as {$580.00} and {$420.00}. 
Including comments suggesting a charge-off loss despite the paid status. 
Reporting XXXX late payments not corroborated by other data sources. 
Failing to provide supporting documentation upon verification. 

Per FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ), any unverifiable data must be deleted, not simply re-verified using automated systems. Equifax failed to conduct a reasonable investigation and continues to report this erroneous account despite being notified of its inaccuracies. 

I am requesting that the CFPB intervene and ensure Equifax deletes this account from my credit report in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-23 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: FL

Complaint narrative:
I am writing to file a complaint against Experian regarding inaccurate and fraudulent information on my credit report. I recently obtained my credit report from Experian and discovered several discrepancies that appear to be the result of identity theft. Under XXXX  law, specifically Chapter XXXX, Part XXXX, the XXXX  Identity Theft Protection Act ( XXXX Statutes XXXX ), and the federal Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ), I am entitled to have inaccurate and fraudulent information removed from my credit report. 
Upon reviewing my Experian credit report, I found multiple accounts and inquiries that are not mine and appear to be fraudulent. These unauthorized entries are negatively impacting my credit score and financial standing. 

The following accounts and inquiries on my Experian credit report are disputed as fraudulent or unauthorized : Open Accounts : XXXX XXXX XXXX ( Account number : XXXX ) - This auto loan has a balance of {$13000.00} and shows XXXX late payments. 
XXXX ( Account number : XXXX ) - This XXXX mortgage has a balance of {$180000.00} and shows XXXX late payments. 

Closed Accounts : XXXX XXXX ( Account number : XXXX ) - This auto loan is reported as " Paid, Closed '' with a {$58000.00} written off. It shows multiple XXXX, XXXX, XXXX, and XXXX past due remarks and a charge-off. 
XXXX ( Account number : XXXX ) - This credit card is reported as " Paid in settlement '' with a {$4600.00} written off, and shows multiple charge-offs. 
XXXX XXXX ( Account number : XXXX ) - This credit card shows XXXX late payment and was closed at the credit grantor 's request. 
XXXX XXXX XXXX ( Account number : XXXX ) - This credit card is reported as " Paid, Closed '' with a {$3700.00} written off, and shows multiple charge-offs and late payments. The credit line was suspended. 

Inquiries : XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX ( Inquired XXXX XXXX XXXX, XXXX ) XXXX  ( Inquired on XXXX XXXX, XXXX ) XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Inquired on XX/XX/XXXX ) XXXX ( Inquired on XX/XX/XXXX ) XXXX  ( Inquired on XX/XX/XXXX ) XXXX XXXX  ( Inquired on XX/XX/XXXX ) XXXX  ( Inquired on XX/XX/XXXX ) These accounts and inquiries are not associated with me, and I did not authorize them.

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