vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon viewing my credit report, transunion did do the right thing and remove/block the fraudulently reported accounts, except one. However, XXXX XXXX Should be removed immediately. Considering I have no way to dispute via transunion, and Experian, as I'm blocked out. I have no way of providing documents and information that are essential to an ongoing investigation. They ( XXXX XXXX XXXX have engaged in harassment, as well as potentially violating the FCRA guidelines XXXX Attached you will find a notice from them agreeing to deleting the tradeline/account, and the reporting of it. In addition, equifax, and experian have removed them, due to fraud. You can see this in the evidence files, if the other credit bureaus are actively removing/blocking this, it means the claims are valid, and they very much are. Please see documents attached, Experian on the other hand, I thank you for removing the fraudulent accounts, and helping. Experian, I do request you please remove the affirm account ( XXXX ), totaling a massive {$32.00} dollars unpaid. Why in the world would I hypothetically, not pay only {$32.00} dollars, for months, when {$32.00} can be settled and closed within a day for most consumers, then creating zero negative impact to my credit. That amount of debt is negligible which I claim absolutely no responsibility for, if it was I'd have paid {$32.00}, and closed the account the day later. The other affirm account there, was closed and paid, which, was mine. I also request you remove the kikoff account. Once again, totaling {$120.00} in debt, which is negligible, and indicative of a pump and dump credit booster account. ( CLDCSWXXXX ) It only further provides evidence of fraudsters likely using a combination of my cards, XXXX to pay the debt off so they could keep spending, credit boosting apps like XXXX to manipulate my credit score allowing further extensions of credit, and pay in 4 apps to maximize fraudulent activity. In addition, I received in the mail again, just a week or two ago, about yet another data breach exposing my social security number. Please remove these accounts.

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 2025-04-18 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : DeptedXXXXXXXX XXXX # XXXX * * * * date opened XX/XX/XXXX bal. {$2000.00}, deptedXXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXX XXXX # XXXX * * date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX # XXXX * * date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX ), XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : DeptedXXXXXXXX XXXX # XXXX * * * * date opened XX/XX/XXXX bal. {$2000.00}, deptedXXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXX XXXX # XXXX * * date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX # XXXX * * date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX ), XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I reached out to Transunion and Equifax to get some hard inquires removed that I did not authorize. I believe this hard inquires to be a result of identity theft. I sent them serval letters and they refused to remove the hard inquiries. The inquires go as followed Transunion -XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CT

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
Consumer complaint received 2025-04-17 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:
Experian is inaccurately reporting XXXX XXXX XXXX and XXXX unpaid or open, despite both being fully paid off in 2023. This ongoing misreporting violates the Fair Credit Reporting Act ( FCRA ) and creates unnecessary harm to my credit profile. 

Details : Both the XXXX XXXX and XXXX accounts were paid in full and closed in 2023. I have disputed this inaccurate reporting directly with Experian, requesting the accounts be updated to reflect a zero balance or removed entirely if closed. Despite this, Experian continues to report outdated and misleading information.

Under the FCRA ( 15 U.S.C. 1681i ), Experian is obligated to ensure all credit report data is accurate and to conduct a reinvestigation within 30 days of receiving a dispute. Their continued failure to comply with these requirements constitutes a violation of federal law. 

Additionally, if any collection activity or communication regarding these already-paid accounts has been made by a third party, such actions may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which limits communication regarding resolved debts.

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 2025-04-17 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I used my paypal credit account to purchase an item from XXXX XXXX XXXX. I returned the item back to XXXX which they received on XX/XX/XXXX. I have the emails. They also approved my refund. By XX/XX/XXXX I still dis not receive thw money back to my account so I contacted them and they opened a request to review, then on XXXX XXXX they emailed me saying they have approved and started thebrefund process. XX/XX/XXXX an email was sent ro me saying the redund process was successfully completed. By XX/XX/XXXX I was still not seeing it back on my PAYPAL ACCT and contacted XXXX. They provided me with transaction IDs. I also requeated they give me my money back foe shipping on that day and thatcwas also approved on XX/XX/XXXX by email! On XX/XX/XXXX, I also contacted PAYPAL to dispute this because I was still not getting my refund to my paypal account and they opened a dispute and told me to use their website to provide my documents ( emails ) which I did on XX/XX/XXXX. 
By XXXX I had not heard anything about my dispute and called PAYPAL and they tell me they never received my documentation through their online portal! So this person now tells me the online portal doesnt always work and other things about XXXX denying things, which wasnt very clear. Tells me that I should fax them documents by using a website XXXX, which I did immediately. It is now XXXX XXXX called to get an updated and they said they denied my dispute because I didnot provide the documents, because now it was text messages and that XXXX never received the item! I faxed screenshits of the emails I had from XXXX which is what I was told to do by ANOTHER SUPERVISOR from Paypal! Then they tell me I can send the emails by mail now! They gave me an address that is different than the chat bot lists and now I dont know what is accurate and going to waste MY money and MORE time with all of this all over again!! Its been MONTHS AND MONTHS! XXXX has provided me transaction numbers and emails for the refunds and paypal lies and says they are denying and rejecting my documentation!

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 2025-04-17 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: GA

Complaint narrative:
A while ago I noticed that there were so many things on my credit and I have absolutely no clue where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any of the original contracts, or the method of verification, or who they spoke with at these companies and the information is still on my 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 2025-04-17 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: IL

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Hi my name is XXXX XXXX and I have something on my report that says I lived at a XXXX XXXX XXXX but Ive never live there before in my life this is some type of mistake and I dont understanding how this is on my report and this is holding me back because no one wants to rent to me and Im trying to find a place for me and my kids and its very hard because they are saying I have a address with an eviction when Ive never live there and I also have a XXXX XXXX on my report and I have not had XXXX XXXX I dont know whats going on with my reports but I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it

's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These re
porting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

The following dispute items must be reexamined and removed if proper documentation can not be produced : Personal Information ( EQ ) Former : XXXX XXXX XXXX Former : XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CA XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Personal Information ( TU ) Also Known As : XXXX, XXXX, XXXX Current Address ( es ) : XXXX  XXXX XXXX XXXX  XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX, CA XXXX Employers : 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 2025-04-17 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation