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

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered that my credit report contained incorrect accounts, and Im not sure how they ended up there. I regularly check my report, but this time I noticed some unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the accounts remained. Given this situation, I kindly request a thorough review of the documents Ive provided so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AZ

Complaint narrative:
for the past 2 years i have told credit bureau to block company they have reported so many different things that are fraud and transunion allows it there contacted by me and item removed then its back on report but slightly different version transunion equifax all three allow it i want all four removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX accts are fraud, i sent identity theft report etc on many occasions ive asked credit bureaus not to share any information i provide regarding the matter as well in case i take the other party to court if not resolved my information not yo be shared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I attempted to purchase XXXX shoes online from a seller who blocked me immediately after receiving the payment. I was unable to reach the seller, so I escalated the matter to PayPal under their XXXX XXXX XXXX. PayPal instructed me to resolve the issue directly with the seller, who then messaged me, acknowledged the funds, and initially agreed to a refund but demanded that I use a Brazilian payment method ( PIX ), which I dont have. I requested the refund be processed through PayPalthe original payment methodbut was ignored. 

Despite this documented interaction ( screenshot available ), PayPal denied my claim and refuses to refund me. I believe this violates their XXXX XXXX policy and has left me vulnerable to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint is being submitted under FCRA XXXX XXXX ( XXXX XXXX XXXX ) to demand the immediate blocking and removal of fraudulent and unauthorized information currently being reported by Equifax. These accounts were opened as a result of identity theft and are inaccurately linked to my consumer credit file. 

The following accounts are being falsely reported : A credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$240.00} A second credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$53.00} An auto loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a {$0.00} balance A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$960.00} Pursuant to FCRA XXXX XXXX ( XXXX XXXX XXXX ), I am also invoking my right to a full reinvestigation of these entries. I am requesting that Equifax supply me with the specific method of verification used to confirm the accuracy of each account and provide physical proof or original documents relied upon. If such evidence can not be provided, these items qualify as prima facie fraudulent and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
REBUTTAL TO COMPANY RESPONSE CFPB COMPLAINT # XXXX I am writing to dispute Equifaxs response and the XXXX premature closure of this complaint. Equifax claimed to complete its investigation and submitted a final response within hours of receiving my CFPB complaint. However, the investigation results Equifax submitted on XX/XX/year>, predated my complaint entirely and were merely restated to the CFPB without any new or responsive action taken. 

This is not a legitimate reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ). The company provided no new documentation, no verification of the items in question, and no specific explanation of how or when the reinvestigation occurred after the complaint was filed. The CFPBs own system shows that my complaint was received and marked as closed within less than XXXX hours of Equifax referencing a pre-existing, non-responsive document ( their XX/XX/XXXX internal credit file response ). That file was not produced in response to this complaint, and no new evidence was reviewed by Equifax after XX/XX/XXXX. 

Moreover, Equifax failed to comply with FCRA XXXX ( a ) ( XXXX ). It did not disclose the identity or contact information of the furnishers, nor the method used to verify the disputed tradelines. The generic explanation of the XXXX ( automated consumer dispute verification ) process does not satisfy the legal requirement to provide actual investigation details to the consumer. 

Additionally, I must emphasize CFPBs failure to detect this procedural issue. No meaningful review of Equifaxs response appears to have occurred before closing the complaint. The Bureau should not accept as final any response that predates the complaint and fails to show new investigative activity or evidence. 

I respectfully request : Reopening of Complaint # XXXX. 

A directive to Equifax to respond substantively and specifically to the disputes raised in my XX/XX/XXXX complaint. 

Review by CFPB staff of Equifaxs dispute process for potential pattern-based noncompliance under the FCRA. 

This matter remains unresolved, both substantively and procedurally, and closure of the complaint at this stage is premature and unsupported by the facts.

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

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC 1681. The bankruptcy in question is Case # XXXX. Please be advised that the bankruptcy court does not report information directly to the credit bureaus. Therefore, this bankruptcy is inaccurately reflected on my credit report and needs to be removed. XXXX listed Federal under court, as if they received the information from there. If they can not get information coming directly from The XXXX XXXX Bankruptcy Court for the XXXX XXXX of New York, the information being reported is inaccurate, again it needs to be removed. If someone else gave them My Personal information and they passed it on to their bureau it's a violation of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today, I came across some false accounts listed on my credit report, and I dont understand how they got there. I check my report routinely, and this is the first time Ive seen anything like this. I even tried refreshing my browser, thinking it might be a display issue, but the accounts stayed visible. For peace of mind, Im requesting that the documents Ive submitted be reviewed thoroughly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Penny Mac XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Goodwill Adjustment Request for Late Mortgage Payments Due to Illness Dear Penny Mac , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding some late payments reported on my mortgage account, Loan Number : XXXX Due to an unexpected and XXXX XXXX in [ XXXX XXXX ], I experienced a significant disruption to my income and personal circumstances. As a result, I was unable to meet my mortgage payment obligations on time for XXXX XXXX. This period was both physically and financially challenging for me and my family, and I deeply regret the impact it had on my payment history. 
I am pleased to report that I have recovered  and regained financial stability. I have brought the account current and have made timely payments since then. I take my financial responsibilities very seriously, and this situation was an unfortunate exception to an otherwise consistent payment history. 
I respectfully ask that you consider making a goodwill adjustment to remove the late payments from my credit report. This gesture would not only help me recover from the credit impact caused by this temporary hardship. Still, it would also reaffirm the trust and relationship Ive built with your institution over the years. 
I truly appreciate your time and consideration of my request. Please let me know if you require any documentation related to my medical condition or financial situation at that time. Im happy to provide any necessary information to support this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 , remove 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These items 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 , remove 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These items 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
This was a result of identity theft. 
And under Section 605B of the Fair Credit Reporting Act I demand it be taking off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/year> I applied for an extension of credit was denied by ally auto which is a violation of equal credit opportunity act which states no creditor can discriminate against a consumer because the applicant has in good faith exercised any rights under the Consumer credit protection act which goes back to full disclosure if Ally Auto the one that's funding my purchase money loan proof is needed show me that I'm not the original creditor 15 USC 1602 def. For ( Creditor ) which states a creditor is the consumer that the debt arises from on the face value of the contract

Company response to consumer: Closed with explanation