vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Last names and address that are not associated with me are still on my credit after I have disputed them on numerous occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Subject : Complaint against PayPal and XXXX XXXX XXXX XXXX XXXX XXXX of Legitimate Transactions Related to Crypto Payments To whom it may concern, My name is XXXX XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and XXXX XXXX XXXX XXXX ( XXXX ). 

Between XX/XX/XXXX to XX/XX/year>, over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. 

Now, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accountsthose of the recipientsas if we had committed fraud, even though there is clear evidence ( chats, payment records, transaction IDs ) proving that these payments were made willingly by the senders. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

I am available to provide supporting documents, testimonies, and further explanation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I am submitting this complaint because the credit reporting agency did not correct inaccurate information on my credit report, even after I submitted a formal written dispute dated XX/XX/XXXX. 

In my dispute letter, I listed multiple accounts and an unauthorized inquiry that are either inaccurate or unverifiable, and I requested they be validated or removed. These included : An unauthorized inquiry from XXXX  XXXX dated XX/XX/XXXX. 

Unverified accounts from : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I submitted this request according to the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( a ), and asked that the investigation be completed within XXXX days. However, I never received a proper response explaining the investigation findings. The accounts remain on my report without any verification documentation, and I believe the credit bureau did not conduct a real investigation. 

To date, I have not received evidence that these accounts were verified with the creditors, nor have I received a proper updated copy of my credit report as required. This failure to investigate and respond properly is affecting my credit standing. 

I am asking the CFPB to review this issue and hold the credit bureau accountable for not completing a fair and timely reinvestigation. I would like the listed items removed from my credit report or proper proof of verification provided. I would also like an updated and corrected copy of my credit report. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I am submitting this complaint because the credit reporting agency did not correct inaccurate information on my credit report, even after I submitted a formal written dispute dated XX/XX/XXXX. 

In my dispute letter, I listed multiple accounts and an unauthorized inquiry that are either inaccurate or unverifiable, and I requested they be validated or removed. These included : An unauthorized inquiry from XXXX  XXXX dated XX/XX/XXXX. 

Unverified accounts from : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I submitted this request according to the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( a ), and asked that the investigation be completed within XXXX days. However, I never received a proper response explaining the investigation findings. The accounts remain on my report without any verification documentation, and I believe the credit bureau did not conduct a real investigation. 

To date, I have not received evidence that these accounts were verified with the creditors, nor have I received a proper updated copy of my credit report as required. This failure to investigate and respond properly is affecting my credit standing. 

I am asking the CFPB to review this issue and hold the credit bureau accountable for not completing a fair and timely reinvestigation. I would like the listed items removed from my credit report or proper proof of verification provided. I would also like an updated and corrected copy of my credit report. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-02 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax and Trans union immediately! 

XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This have showed in my credit report this year account number ending XXXX XXXX XXXX XXXX XXXX again for the amount XXXX the same as before also from the same company XXXX XXXX XXXX XXXX XXXXXX/XX/year> they constantly keep changing the date the name was different this was not my account nor my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is not mine and appears to be the result of a data breach or identity theft. It does not belong to me, and I did not authorize or open this account in any form. Despite showing a zero balance, the eviction-related entry is inaccurately affecting my credit profile.

This false information misrepresents my financial responsibility and may unfairly influence potential creditors or landlords. I respectfully request the immediate deletion of this account from my credit report across all major credit reporting agencies to ensure my credit history is both accurate and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I reported three unauthorized debit card charges on my American Express Rewards Checking Account to AMEX customer service : XXXX {$650.00} ( charged XX/XX/XXXX, posted XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$330.00} ( charged XX/XX/XXXX, posted XX/XX/XXXX ) XXXX XXXX XXXX {$37.00} ( charged and posted XX/XX/XXXX ) I froze my debit card immediately and followed AMEXs instructions to dispute the transactions once they officially posted. On XX/XX/XXXX, I formally submitted disputes for all three transactions. 

Despite my prompt reporting, AMEX representatives informed me that they would not issue provisional credit, even though Regulation E ( 12 CFR 1005.11 ) requires them to do so if more than 10 business days are needed to investigate. They told me it could take up to 45 days but gave no explanation for failing to provide provisional credit during that time.

Because of this refusal, I was unable to pay my rent in full, causing significant financial hardship.

This response violates my rights under federal law. Im requesting immediate action to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting bureau did not respond to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Fraudulent Activity and Misuse of My Credit File I am writing to formally report that I am a victim of fraud and that my personal information has been used without my authorization, resulting in serious abuse of my credit file.

I recently became aware of several accounts and/or credit inquiries that were made in my name which I did not initiate or authorize. This fraudulent activity has negatively impacted my credit score and has caused significant financial and emotional hardship, including denial of credit, increased interest rates, and reputational damage.

Please consider this a formal request to investigate the matter thoroughly and to take all necessary steps to correct my credit file. I am in the process of filing reports with the appropriate law enforcement agencies and credit bureaus, and I will provide any documentation needed 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 explanation