vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Inaccurate and misleading credit reporting lack of proof of ownership or legal standing Acc : 5107 Summary of Complaint : I am filing a formal complaint against XXXX XXXX XXXX, XXXX ( XXXX ) for reporting derogatory charge-off accounts on my credit report without providing proper documentation to support ownership or legal standing. 

XXXX sent me a generic Bill of Sale between themselves and XXXXXXXX XXXX Delaware dated XX/XX/year>. This document does not list my name, account number, or any specific reference to my alleged debt. Additionally, XXXX failed to provide : A signed contract showing I agreed to the original debt, A full chain of title proving they legally own or were assigned my account with specific alleged debt, FFAs IRS Form 1099-C indicating cancellation of debt by XXXXXXXX XXXX  XXXX required if the debt was forgiven or discharged ), Any Metro 2compliant documentation verifying the accuracy of the reporting. 

Despite this, XXXX continues to report these accounts as charge-offs with balances, which I believe is inaccurate and misleading. These actions violate the : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), California XXXX Fair Debt Collection Practices Act ( Cal. Civ. Code 1788.17 ), and Metro 2 industry reporting standards. 

I have disputed this with Experian, and the accounts are currently under investigation. However, XXXX has failed to respond with legally sufficient documentation to validate the debt.

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 2025-05-19 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:
In early XXXX, I discovered several accounts on my credit reports that I did not open or authorize. These include accounts from XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. I immediately began contacting the credit reporting agenciesXXXX TransUnion, Equifax, and XXXX dispute these accounts as fraudulent. 

I also reached out directly to the creditors. Each one claimed to have completed an investigation and verified the accounts as belonging to me, yet none of them have provided any documentation supporting their conclusionsuch as signed contracts, IP addresses, or applications. I submitted a formal identity theft claim and documentation, including a police report and proof of identity, but the accounts remain on my reports.

I am now being subjected to collection efforts and credit damage based on accounts I did not authorize. I suspect my credit file may be mixed with another consumers, or I may be a victim of identity theft. Despite repeated disputes and requests for validation, I have received no proper verification from the companies involved.

I am requesting that the CFPB help facilitate full deletion of these accounts from my credit reports and ensure that any investigations conducted are transparent and documented. I also want to ensure no further collections or reporting occur based on these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a 90-day late payment that was reported on my federal student loan, which I believe is inaccurate and unfair.

The servicer of my loan reported a late payment due to outdated contact and account information on file. I was unaware that my loan had entered repayment, and I did not receive timely notifications due to this incorrect information. Had my correct contact details been used, I would have been able to make my payment on time. Once I became aware of the situation, I immediately addressed it and brought the account current.

This late payment has significantly and negatively impacted my credit score. I believe this mark is unjust because it resulted from a communication failure on the part of the loan servicer, not from a deliberate or negligent action on my part.

I am respectfully requesting that this late payment be removed from my credit report. It does not reflect my intent or ability to repay, and I have otherwise maintained a good payment history. 

Thank you for your time and assistance in helping resolve this matter fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Aidvantage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-19 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: CA

Complaint narrative:
New updated XXXX police report included as well as the XXXX complaint that was sent to the Better Business Bureau General attorney and the CFPb This account is fraudulent. Both these XXXX accounts are fraudulent remove accounts immediately please I did not open this account. I did not open neither account. I do not recognize this account. This is identity theft.

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 2025-05-19 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: TN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account with Capital One that was reported as being over 120 days late due to a period of financial hardship caused by job loss. During that time, I was unable to make the required payments. I have since resumed making payments on the account. 

However, I have noticed discrepancies in the way this account is being reported by the three major credit bureausExperian, TransUnion, and Equifax. Each bureau is showing different information regarding the balance and delinquency dates. I was unaware that the account was being reported inconsistently across the bureaus and would like assistance in having this information reviewed and corrected to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Disputed Amount : XXXX CAD Product : XXXX XXXX Floor Washer On XX/XX/XXXX, I filed a complaint regarding a XXXX XXXX floor washer that I never received. The seller marked the item as delivered, but I did not receive the package. The delivery record shows that someone signed for it, but I do not recognize the name and have no idea who received the package. 

I then contacted PayPal to recover the funds, but they denied my claim solely based on the tracking information provided by the seller. 

If tracking information alone is enough to close a case, then I wouldnt need PayPals assistance. The package never arrived, the signature is not mine, and the seller has refused to take responsibility. Now PayPal, as the payment platform, is also refusing to help. 

I am requesting a full refund of XXXX CAD, as I did not receive the goods I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I have multiple errors on my credit report listed below. I have disputed these items with Equifax multiple times they have since alleged that they verified these items to be mine when they are in fact NOT. I believe Equifax is not doing a proper investigation into these disputes.Their failure to properly investigate these disputes and correct this inaccurate information reporting is affecting my life in a very negative way. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
: Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or " XXXX XXXX. '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report.

In addition to the violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution.

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX9 * * * * Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I can not stress enough the urgency of this matter. Failure to comply with my requests and resolve these violations will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act. 
I expect a prompt response and a definitive plan of action from you. Your cooperation in rectifying these issues is greatly appreciated. 
Attached are the documents I sent to TransUnion to dispute my accounts as well as there investigation response

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 2025-05-19 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:
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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank refuses to close my checking account after telling me they will. They have restricted my account and sent me a new card but theres nothing I can do with either. Someone committed fraud with my card and my information, I reported it to Chase Bank and as a result they want me to pay the debt that I didnt create, I havent gotten proper communication at all when I called. I was being transferred and told the debt will disappear after making a claim, I made a claim it was denied. Fraudulent checks were deposited into my account alongside minor charges. The checks bounced putting me in debt. Chase told me when collectors call it should disappear. There were ATM withdrawals from the checks that cleared then a month later the checks bounced. I was told I shouldnt have taken a financial loss. I was told to pay the debt to close the account. I was also told the account will already be closed and to rest assured that they take fraud very seriously. Im highly unsatisfied and can not afford to pay off XXXX in debt that I did not create. I was not emailed or called or notified for my account being restricted and not closed, Chase never followed up with me about anything until I called.

Company response to consumer: Closed with explanation