vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I kind of did just explain, but on XX/XX/XXXX, XXXX unauthorized transactions were made. The transaction ID 's and recipients are as follows : XXXX, to XXXX XXXX XXXX XXXX and XXXX, to XXXX XXXX XXXX. Basically ; I was lured into changing my discord account email by someone posing as a member of the support team. He then tricked me by saying " you need to send me ( amount of money ) for me to give you access back to your account because you'll get banned otherwise! ". after the second time, I finally grew suspicious enough and stopped listening, and he blocked me. I believe that is wrong, and I feel entitled to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/25 **Experian Information Solutions , IncXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Whom It May Concern, ** I am writing to formally dispute inaccurate information appearing on my Experian credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation of any disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns about Experians failure to conduct proper investigations. In a lawsuit filed against Experian, the CFPB alleges that Experian engaged in sham investigations, violating consumer protection laws and failing to meet its obligations under the FCRA.

As per **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within **30 days**. Furthermore, under **15 U.S.C. 1681i ( a ) ( 5 ) **, any information found to be inaccurate, incomplete, or unverifiable must be **promptly corrected or deleted**. Failure to adhere to these legal requirements constitutes a violation of federal law.

I hereby request that Experian : 1. **Conduct a thorough reinvestigation** of the following disputed accounts or items : - [ List each disputed account or item here, along with a brief explanation of why its inaccurate or unverifiable. ] 2. **Provide me with all documentation** used to verify the accuracy of the disputed information.

3. **Correct or delete any information** that is inaccurate, incomplete, or unverifiable as required by law.

Additionally, I request a **written statement** detailing the outcome of your reinvestigation, including the specific steps taken to verify each disputed item and any corrections made to my credit report. If any disputed information ** can not ** be verified, it must be removed from my credit file in accordance with **15 U.S.C. 1681i ( a ) ( 5 ) **.

Please be advised that failure to comply with these obligations may result in further actions, including filing additional complaints with the CFPB or FTC and/or seeking legal counsel. I trust that Experian will fulfill its responsibility under the FCRA to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your prompt attention to this matter. I look forward to your timely response within the XXXX period mandated by law. 

Sincerely, XXXX XXXX **Attachments ( if applicable ) : ** - Copies of dispute letters or supporting documentation - Any prior correspondence with Experian

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 2025-03-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

PORTFOLIO RECOVERY DOES NOT OWN THIS DEBT. FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$5000.00}. The second account in question is a collection account opened at XXXX XXXX XXXX on or around XX/XX/XXXX with a balance of {$6700.00}. The third and last account in question is a personal credit card at XXXX XXXX XXXX XXXX opened at or around XX/XX/XXXX with a balance of {$3200.00}. 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 list of the fraudulent accounts. 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 my FTC Identity Theft Complaint as proof from the US Federal Trade Commission, proof of identity and evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$5000.00}. The second account in question is a collection account opened at XXXX XXXX XXXX on or around XX/XX/XXXX with a balance of {$6700.00}. The third and last account in question is a personal credit card at XXXX XXXX XXXX XXXX opened at or around XX/XX/XXXX with a balance of {$3200.00}. 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 list of the fraudulent accounts. 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 my FTC Identity Theft Complaint as proof from the US Federal Trade Commission, proof of identity and evidence.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
card was closed w/o notify me, pymts were caught up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ava Finance, Inc
State: GA

Complaint narrative:
Ava XXXX and XXXX XXXX, along with XXXX unauthorized U.S. Department of Education accounts, have appeared on my credit report as a result of identity theft. I did not apply for credit with these lenders, nor did I authorize any of these inquiries. These fraudulent activities have negatively impacted my credit score and were conducted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my account [ Account Number ] on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account as a charge-off. However, when I requested a Form XXXX as required by the IRS for charged-off debts, your company denied that a charge-off ever occurred. This inconsistency raises serious concerns regarding the accuracy of your reporting. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and complete information to credit reporting agencies. Your contradictory statementsclaiming no charge-off occurred while reporting it as such to credit bureausdemonstrate a clear violation of my rights under the FCRA. This inaccurate reporting is harming my creditworthiness and financial standing. 

Therefore, I demand that you immediately : XXXX. Provide proof that your reporting of the charge-off is accurate, including any internal documentation reflecting the alleged charge-off and the reason a XXXX was not issued. 
XXXX. Correct this inaccuracy by either removing the charge-off notation from my credit report or deleting the account entirely if you can not substantiate your reporting. 
XXXX. Cease any further reporting of incorrect information to credit bureaus. 

If you fail to correct this inaccuracy within XXXX  days, I am prepared to take legal action under the FCRA for damages caused by your negligent or willful misreporting. Additionally, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a written response confirming your corrective actions within 30 days of this letters receipt. If you require additional information to investigate this matter, please notify me promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. 

Mullooly, Jeffrey, Rooney & Flynn LLP Original Creditor : XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

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

Company 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 2025-03-10 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX - XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX PLEASE REMOVE THE INACCURATE ACCOUNT MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the last 9 months, I have requested five times for my credit report and my husband 's report XXXX with no response my social security number is XXXX my husband 's XXXX XXXX XXXX XXXX I have requested all three credits bureaus and neither one of them replied back thank you very much XXXX XXXX XXXX XXXX XXXX email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
I recently sent a dispute to check if the account on my credit report is correct and complete. They didnt do a proper review. I believe the information is still wrong and incomplete. This is causing me a lot of stress, and Im feeling really overwhelmed. Please help meI dont know what to do.

Just to be clear, I am the one submitting this dispute, not someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed two accounts on my credit report XXXX XXXX and XXXX XXXX XXXX. Between all three credit reporting agencies Experian Equifax TransUnion the dates and information are not the same violating the fair credit reporting act 15U.S.C 1681 There are inaccuracies of information dates are not the same when accounts were closed and when last payment was received also the date of when the account was opened is different making the information incorrect and inaccurate.

Company response to consumer: Closed with explanation