vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am submitting this complaint due to the continued failure of a consumer reporting agency to correct inaccurate and potentially unverifiable information in my credit file, despite submitting multiple formal disputes. 

My most recent dispute was filed on XX/XX/XXXX. To date, the agency has responded inadequately by asserting that the accounts were verified, without fulfilling the legal obligation to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Violations of the Fair Credit Reporting Act Despite several attempts to obtain clarification, the credit bureau has failed to : Provide the specific method of verification used for each disputed item Disclose the name and contact information of each data furnisher Share any documentation relied upon in its investigations This lack of transparency constitutes a clear violation of : 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed items Requested Relief I am requesting that the CFPB require the credit reporting agency to : Reinvestigate all disputed items listed above in full compliance with the FCRA Provide the method of verification used, including supporting documentation Remove any unverifiable or inaccurate accounts Issue a corrected copy of my credit report reflecting these updates Escalation Warning If this matter is not fully resolved by XX/XX/XXXX, I intend to pursue further actions, including : Filing additional formal complaints with the FTC and Alabama State Attorney General Seeking legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance This is my final attempt to resolve the matter before escalation. I respectfully request the CFPBs intervention to ensure my rights under the Fair Credit Reporting Act are enforced. 

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 2025-06-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX Capital one removed my whole credit report and history from XXXX  causing my score to go down and deleting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXXReceived another phone call from Midland Credit Management on XXXX at XXXX  from a person named XXXX XXXX  who gave employee # XXXX.  This is again after they received a certified letter to cease and desist and provide proper debt validation.  The letter was sent certified in XXXX  Certified #XXXX XXXX XXXX XXXX XXXX   This is the second such call with the other coming from XXXX XXXX XXXX XXXX XXXX XXXX XXXX since they received the cease and desist contacting me letter.  In my request in XXXX  I asked for full debt validation including the forward flow agreement.  Midland did not provide the full request and did not provide any back up within the 30 days which is permitted by law.\n\nOn this occasion Midland's Representative was abusive and non-compliant and attempted to stay on the line for at least 4 minutes even though I repeatedly told him he was in violation the cease and desist/FCRA and would be reported to CFPB and fined $XXXX  per attempt."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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

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 2025-06-09 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency, block information appearing on my consumer report 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts as mentioned above, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained 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 the FTC Identity theft Criminal Complaint # ( XXXX ), ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission requires that all of the aforementioned consumer credit accounts and collections be 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AR

Complaint narrative:
I am filing this complaint because multiple fraudulent or unauthorized accounts are being reported on my credit reports with TransUnion and Experian. I believe these may be linked to past data breaches or identity theft. I have already filed written disputes with both credit bureaus, requesting full verification of the accounts, but I want the CFPB to be aware of this situation in case the bureaus do not comply or fail to fully investigate. My reports also show multiple incorrect name variations and old addresses, which further suggest my information has been compromised. I am requesting that these inaccurate, fraudulent, or unverifiable accounts be removed from my reports 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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
They opened the account without disclosing that they falsely created an account under a false legal fiction name in all caps pretending to claim they gave me a credit line without full disclosure that they took my funds attached to my birth certificate bond and monetized on it and collecting interest on it! False truth in lending act! They need to provide proof in where the funds were taken to give me this credit line!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the verification of a tradeline currently listed on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 611, codified at 15 U.S.C. 1681i. 
Account Details : Creditor Name : XXXX XXXX XXXX  Partial Account Number : XXXX XXXX XXXX XXXX XXXX Status : Charge-Off Date of First Delinquency ( reported ) : XX/XX/XXXX Reported Charge-Off Date : XX/XX/XXXXXXXX  I am requesting that you : 1. Verify the accuracy and completeness of all information associated with this account.

2. Provide me with a description of the procedures used to determine the accuracy.

3. Supply me with documentation received from the furnisher ( XXXX XXXX XXXX XXXX that confirms the reported delinquency, late payments, charge-off status, and narrative codes. 
Under 15 U.S.C. 1681i ( a ), Equifax is required to complete the reinvestigation within 30 days. If the information can not be verified with proper evidence, it must be promptly removed or corrected.

I have enclosed the following to confirm my identity : A copy of my government-issued ID A recent utility bill or bank statement as proof of address Please confirm receipt of this request in writing and provide a summary of the results of your investigation. 
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 2025-06-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/year> I was the target of the identity theft online while the thief presented herself as XXXX agents after they had hacked my computer. She and her partner I believe or only her got access to my Paypal credit card that is sponsored by Synchrony Bank. Immediately as she was talking to me she made a purchase ( maybe her partner did that while she was talking to me ), on line from XXXX store in the amount of {$200.00}. She even told me on the phone I see the hacker using your credit card don't worry I am going to fix that for you. Then they made another purchase of {$2000.00} from XXXX but that was immediately reversed since apparently the item ( s ) they purchased had to be delivered & needed an address. Immediately called all my credit cards and asked for a new card. Synchrony bank was the first call that I made and reported this identity theft. They said don't worry we will do our investigation. That we have a very experienced fraud dept. that will get to the bottom of it. After a while the {$200.00} charge was reversed on Paypal Credit card. But again a few weeks later they sent me a letter to explain how it happened. I replied and explained everything in detail. In their reply they insisted that I authorized that charge and that was the actual card that was used and they charged me again for this {$200.00}. I called them and put another dispute. Again they sent me the same form to fill out and explain which I did. I did this 3 times and now their final decision still remains the same that I authorized the purchase. I never purchase anything at XXXX. I never made this charge and all my credit card companies can testify that on the same day that I reported this theft to Synchrony Bank I reported to them as well. I did not make that purchase. The thief even accessed my Social Security and every piece of information via my gallery or phone That I can not do anything about it. I even called the XXXX office and reported this theft of identity. I am not responsible for this charge simply because I did not made it. Please have them removed. Synchrony Bank is a cheap bank. I had them on my Amazon account too. But I stopped using them a long time ago. They are so cheap that they don't want to pay any cash back like any other XXXX XXXX  no matter how much you'd spend. Please help me and have them remove this charge from my Paypal account. Thank you 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 explanation
Consumer complaint received 2025-06-09 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:
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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
I was getting my unemployment checks sent to my XXXX  account and then I was cashing out to my girlfriends bank account and did this for awhile and then all of a sudden they shut my account down for no reason. They refuse to release my money either to me or back to the unemployment office. They requested a copy of my state ID and I sent it in and they still closed my account and refused to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I previously disputed a collection account from Portfolio Recovery Associates that was reporting on my credit file with a balance of {$3600.00}. I never opened this account and have never had a credit card or account with XXXX XXXX, the alleged original creditor. 

I reported this account as fraud because it does not belong to me. After my dispute, the account was removed from my credit report. 

Now, in XX/XX/year>, the same account has been reinserted on my report without any written notice, as required by the Fair Credit Reporting Act ( FCRA ). 

This is a violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that if a previously deleted account is reinserted, the credit bureau must notify the consumer in writing within five business days.

Portfolio Recovery continues to report this fraudulent debt and has even attempted to collect on it, demanding that I pay a balance that does not belong to me. 

I am requesting the immediate removal of this account and that this reinsertion and fraudulent reporting be fully investigated. This account is damaging my credit and is not mine.

Company response to consumer: Closed with explanation