vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: MI

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

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed that there are accounts on my credit report that are not recognized and unverified. Please verify according to the FCRA laws or remove. I've found several Metro 2 violations, and if not removed, I will be seeking monetary damages. 

FCRA 607 ( b ) : Requires furnishers to maintain procedures to ensure the " maximum possible accuracy '' of the information they report. Under 15 U.S.C. 1681i, I am re-disputing the accuracy and legitimacy of the following collection accounts, which I do not recognize or acknowledge as valid 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 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 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
State: TN

Complaint narrative:
XXXX froze my account and I am not able to access, purchase, send money, refund to sender or transfer the funds to my bank account. I've chatted with XXXX different agents, spoke with XXXX or more agents and XXXX supervisor on different occasions. I've responded to multiple emails and sent my identification to verify my identity. I've also sent documents to verify my outside bank account. This has been over the last XXXX weeks. When I call, they will only tell me my account was flagged and they aren't able to assist and can not speak with the department that can assist or relay the information but instead they say that I need to respond back to an email then wait on a response. At one point I received an email stating my account had been unfrozen but I later discovered that was not true when I went to try and check out at the grocery store. I've been working on this since XX/XX/year> and now it seems they just closed out the ticket with no resolution and plan to just keep my money. Request # XXXX : How would you rate the support you received? | XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
To Whom It May Concern, This is my second formal complaint regarding the inaccurate and unverifiable accounts that continue to appear on my credit file despite my previous dispute. The companys response to my initial complaint failed to comply with federal law and did not constitute a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifaxs so-called verification consisted only of parroting back electronic confirmations from furnishers through the E-OSCAR system, without obtaining or providing any original, admissible documentation. This does not satisfy the requirement of a reasonable reinvestigation and has been repeatedly rejected by federal courts as a violation of the FCRA. 

The following accounts remain unlawfully reported : XXXX XXXX XXXX / # XXXX XXXX XXXX XXXX To date, no original signed contract, no legally valid billing statements, and no proof of assignment have been produced. Without such documentation, these accounts are unverifiable and must be immediately deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Furthermore, the fact that one account ( XXXX XXXX XXXX  ) was already deleted during the process demonstrates that my file contained errors, further undermining the credibility of the so-called verification process applied to the remaining accounts.

By continuing to report these accounts after being notified of their disputed and unverifiable nature, the furnishers and the credit bureau are engaging in willful noncompliance under 15 U.S.C. 1681n, making them liable for statutory, actual, and punitive damages.

I request that the CFPB : 1. Investigate Equifaxs failure to conduct a reasonable reinvestigation.

2. Enforce deletion of the unverifiable accounts listed above.

3. Take corrective action to ensure compliance with the FCRA and applicable laws.

This is a matter of ongoing harm, and I expect immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has several inaccurate accounts that i am disputing

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 2025-08-22 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:
I have disputed inaccurate reporting with Experian multiple times ( XXXX, XXXX, XXXX ). Experian continues to verify accounts without correcting or deleting them, in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 
Examples : XXXX XXXX  ( closed XX/XX/XXXX ) After the account was closed at the creditors request, Experian still shows late payment notations in XXXX. Once an account is closed, late payments should not continue to accrue. This is inaccurate reporting under Metro 2 standards and FCRA. 
XXXXXXXX XXXX  ( charged off XX/XX/XXXX ) Experian continues to show monthly CO ( charge-off ) codes from XXXX through XXXX. A charge-off is a one-time event, but Experian is allowing XXXX XXXX re-age the account each month as if new charge-offs occurred. This creates continuing derogatories beyond the initial charge-off, which is misleading and unlawful under FCRA and Metro 2 .

I requested the full method of verification under FCRA 611 ( a ) ( 7 ), including documentation from furnishers, but Experian has not provided it. They simply mark accounts as verified without showing evidence. 
This ongoing inaccurate reporting is harming my credit. I request deletion of unverifiable information or correction to ensure compliance with the FCRA and Metro 2 standards.

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 2025-08-22 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: GA

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Account Report # XXXX ( Experian ) To Whom It May Concern, I dispute the XXXX XXXX XXXX account ( number ending in [ XXXX ] ). This account is being reported as a collection with a past due balance of {$420.00}. 

Collections can not have a past due status and this is inaccurate and misleading. Additionally, the balance has not been updated appropriately and is therefore unverifiable. 

Violations include : - 15 U.S.C. 1681e ( b ) : CRA must ensure accuracy. 
- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting prohibited. 
- 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to update and correct. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Account Report # XXXX ( Experian ) To Whom It May Concern, I dispute the XXXX XXXX XXXX account ( number ending in [ XXXX ] ). This account is being reported as a collection with a past due balance of {$420.00}. 

Collections can not have a past due status and this is inaccurate and misleading. Additionally, the balance has not been updated appropriately and is therefore unverifiable. 

Violations include : - 15 U.S.C. 1681e ( b ) : CRA must ensure accuracy. 
- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting prohibited. 
- 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to update and correct. 

Sincerely, 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 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am the designated power of attorney for my mother who is the owner of an account with Synchrony Bank. I have attempted for several months to gain access to her account as her funds are needed to help pay for her health care. 

At the request of Synchrony, I provided in late XXXX, XXXX ) a completed and notarized Power of Attorney Certification Form, 2 ) the Power of Attorney document identifying me as my mother 's agent in the event of her incapacitation and 3 ) a completed Determination of Incapacitation form. In a phone call, Synchrony acknowledged receipt of this information but then requested me to complete an " identification verification '' process which included taking and submitting a " video selfie '' and other identifying information. Upon completion, Synchrony was to send a code which I was told would enable me to gain online access to the account. I completed that process on XX/XX/XXXX and contacted Synchrony with the code only to be told it was not valid. I was then told further instruction would be sent via mail and should be received within 3-10 business days. I have received no such instruction and upon contacting Synchrony again, was told a mailing would need to be sent. 

I understand the need to protect client accounts but I have complied with every request that has been made of me. By all appearances, bank officials are determined to prevent me from accessing these funds which are currently in a low-yielding money market fund. Again, they are needed to pay outstanding and now overdue medical bills. 

I would greatly appreciate any assistance your agency is able to offer.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
This complaint concerns the inaccurate and inconsistent reporting of several accounts across the three major credit bureaus. I am submitting this complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and consistent credit reporting practices as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed accounts are : 1. XXXX auto account 2. XXXX account 3. XXXX XXXX XXXX XXXX XXXX loan account ( which I never had ) On XX/XX/year>, TransUnion issued dispute results confirming that these accounts were DELETED from my credit file as unverifiable. This demonstrates that the furnishers could not validate the accounts and that they should not be reported. I have attached the TransUnion dispute results letter as evidence. 

Despite this, Experian continues to report the XXXX, XXXX, and XXXX XXXX auto loan accounts as accurate without providing supporting documentation or validation. Equifax continues to report the XXXX XXXX account, even though XXXX XXXX itself informed me they can not validate the loan and instructed me to dispute with the credit bureaus. 

This creates inconsistent and misleading credit reporting across the three bureaus and violates FCRA 1681i, which requires a proper reinvestigation and deletion of unverifiable information. 

Equifax has refused to correct the issues only reporting more damaging information without fully verifying or confirming what information was verified. Equifax has also blocked me from being able to call in stating my information does not match what they have in their system. Experian only stated information verified belong to me without any confirmation or verification of how or what was obtained.

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 2025-08-22 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: KY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This complaint is regarding new violations of the Fair Credit Reporting Act ( FCRA ) committed by JPMorgan Chase Bank , N.A . during its investigation of CFPB Complaint ID XXXX. This is a distinct complaint concerning JPMCB 's failure to comply with the FCRA 's dispute investigation requirements, not a duplicate of the initial credit reporting errors. JPMCB 's response to the referenced CFPB complaint was legally deficient and constitutes a willful failure to conduct a reasonable investigation as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ). The company did not address the specific disputes raised, thereby violating its duty to review all relevant information provided by the consumer. The following specific inaccuracies were documented in the initial dispute and were entirely ignored in JPMCB 's response, demonstrating a failure to investigate : 1. The charge-off date range of XX/XX/XXXX to XX/XX/XXXX is a temporally impossible and facially inaccurate item. The failure to correct this known inaccuracy is a violation of FCRA Section 623 ( a ) ( 1 ) ( B ). 2. The payment history is incomplete, showing No Data for all of XXXX. Providing three recent statements is non-responsive to a dispute about historical data completeness. The failure to provide a complete history or delete the unverifiable information violates FCRA Section 607 ( b ). 3. The account status is logically impossible, reported as Account closed at credit grantor 's request while simultaneously reporting a past-due balance and recent late payments. This contradictory data is misleading and violates FCRA Section 623 ( a ) ( 4 ). Furthermore, the documentation provided was insufficient for debt validation. A partial, unsigned application is not evidence of a contractual agreement. The last three statements are internally generated and do not provide a complete accounting from a XXXX balance, failing to validate the debt 's amount and ownership as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under USC 1681g, I am requesting their deletion within 15 days. Relevant documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation