vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-04 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am writing to formally address a critical issue regarding false information on my credit report, which I believe stems from a data breaches involving several organizations and several others, including Department of Social Services in South Carolina, XXXX which called it an Account Takeover, XXXX XXXX and XXXX and XXXX  and XXXX. This erroneous information has severely impacted my credit score, which has plummeted from an excellent XXXX to a level that is now detrimental to my financial well-being. 

As you may understand, the integrity of my credit report is paramount to my ability to secure loans, obtain favorable interest rates, and maintain a healthy financial life. The inaccuracies attributed to the companies above have not only damaged my credit score but have also caused significant emotional and financial distress. I urge you to recognize the severity of this situation and take immediate action.

I respectfully request that you conduct a thorough investigation into these discrepancies and remove all false information from my credit report within the next XXXX  days. Failure to do so will leave me with no choice but to explore legal remedies to rectify this injustice. I believe that both you and I would prefer to resolve this matter amicably rather than escalate it further. 

Please confirm receipt of this letter and provide me with an update on the actions taken in response to my request. I am hopeful for a swift resolution and appreciate your attention to this urgent matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX -- - **Final Review Notes** - The letter clearly outlines the issue of false information on the credit report due to a data breach. 
- It includes a specific timeframe for action ( XXXX  days ) and expresses the potential for legal action if the issue is not resolved. 
- The tone remains professional yet persuasive, emphasizing urgency and seriousness. 
- Personal details such as name, address, and contact information should be filled in as needed before sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 2025-03-04 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 2025-03-04 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: CA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : CFPB Complaint Experian Verification of Information Without Proof Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding the verification of inaccurate information on my credit report without providing any supporting proof. Despite my repeated requests for documentation verifying the accuracy of this information, Experian has failed to provide the necessary evidence to substantiate their claims.

The details of my complaint are as follows : Nature of the Dispute : I have disputed an item on my credit report that I believe is inaccurate or incomplete. Experian has verified the information but has not provided any documentation or proof to substantiate the accuracy of the entry. 

Timeline : I filed a dispute on XX/XX/year>, but Experian responded on the same day XX/XX/year>, confirming the information without any supporting documentation or proof that it is correct. 

I have contacted Experian multiple times to request supporting documentation or proof of the reported information, but they have either not responded or failed to provide any substantial evidence. 

Attached documents are included to show that I filed disputes with Experian on XX/XX/year> and getting same day judgement of the dispute without any regards of showing proof or documentation. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are required to investigate disputed information and provide proof of its accuracy if it is verified. However, in this case, Experian has not provided the necessary documentation, which has resulted in a violation of my rights as a consumer. 

I am requesting the following actions to be taken : A thorough investigation into the matter, including providing proof or documentation supporting the validity of the information on my credit report. 

A correction or removal of the inaccurate information if Experian can not provide adequate proof of its accuracy. 

A formal response to my complaint and an update on the status of my dispute. 
I trust that the CFPB will investigate this matter and take appropriate action to ensure that my rights are upheld and that Experian complies with the Fair Credit Reporting Act. 

Please feel free to contact me at my email XXXX for any additional information or clarification. 

Thank you for your time and attention to this matter. 

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 2025-03-04 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: WI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
MY INFORMATION WAS COMPROMISED IN THE EQUIFAX DATA BREACH. SINCE THEN I HAVE HAD ACCOUNTS APPEAR ON MY EQUIFAX CREDIT FILE WHICH I DID NOT GIVE PERMISSION TO EQUIFAX OR ACCOUNT HOLDERS TO APPEAR ON MY FILE OR HAVE ACCESS TO MY PERSONAL INFORMATION. EQUIFAX HAS REFUSED TO BLOCK THIS ITEM THAT I HAD REQUESTED TO BLOCK O MULTIPLE OCCASIONS. I HAVE SENT EQUIFAX ALL SUPPORTING DOCUMENTATION BUT EQUIFAX IS MAKING DECISIONS ABOUT MY PERSONAL CREDIT FILE THAT I DO NOT CONSENT TO BY ALLOWING THESE COMPANIES TO KEEP REPORTING EVEN AFTER I REQUESTED ALL REPORTING CEASE BECAUSE OF IDENTITY THEFT. 
THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR EQUIFAX : XXXX XXXX XXXX,. XXXX - XXXX XXXX- AS IT APPEARS ON EQUIFAX CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS EQUIFAX CREDIT XXXXXXXX HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Ok so my debit card got taken by someone and a bunch of charges were done on my account. I disputed them as soon as I got another phone and logged into my account. My phone was stolen along with debit card. They disputed so many charges and even gave me money back for alot of them and denied several of the same kind of charges to the same companies. Which makes no sense. Well since then my account is permanently frozen and I can't get my funds out of the account. I want to close my account and have my money sent to me bc it's rightfully mine. They said I violated user rights but won't tell me what I don't and no one will talk to me at all. They hang up immediately after I tell them my account info. Please help me recover what is rightfully mine and close this account to this scamming XXXX " business ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I received a phone call from my job detailing my debt and that garnishments were to be taken from the debt company and that I was going to be sued and served papers. I then called the company because they left a call back phone number and the lady who I spoke with was very rude and said that the only way to resolve this is to pay the full amount or they will see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account for no reason. My account was closed XXXX of XXXX. All my money was seized leaving me responsible for past due bills. The account said fraud but I did no fraud. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
Equifax is reporting erroneous information. According to creditors, they are reporting late or missed payments, collections, liens, etc. I have called customer service over the past 2 years and have not had any success in being able to review the report. I would like to have any and all negative reporting removed from their reporting. This includes any inquiries as they are showing as well.

Company response to consumer: Closed with explanation