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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and remove as quickly as possible. 

They're in the account XXXXXXXX XXXX for {$8400.00}. This account is fraudulent and the bank has never investigated completely. They have never shown any proof that I owe any of this money I would like it investigated and removed unless they can show proof that I owe this money. 

XXXX XXXX what was the transactions on this account of fraudulent I've been paying just because I don't want my account to default, but I shouldn't have to pay for fraudulent transactions. The bank has refused to investigate these fraudulent transactions. 

XXXX XXXX XXXX {$6800.00}. I never open this account. This account does not belong to me. I have no knowledge of who owns this account but it's not me. I would request that the account be closed and zeroed out as quickly as possible And removed from my credit report. 

There is a hard inquiry XXXX XXXX XXXXXXXX on XX/XX/year>. I did not apply for this credit card. I did not give the bank to pull a hard inquiry on my report. I've already contacted the bank. They said that they apologize for the fraudulent activity, but that the Credit reporting agencies would need to remove it so I'm asking you to remove this unless you have proof that it belongs to me. 

XXXX XXXX, the bank refuses to investigate the fraudulent transactions. I should have a XXXX balance they have punished me for a criminal stealing my credit card and have closed my account but still expect me to pay for the fraudulent transactions. I'm pretty sure that's against the law. 

There are XXXX XXXX personal loan inquiries on XXXX different dates. I didn't request a personal loan from XXXX at all. I didn't approve them to pull the hard inquiry on my credit report. I've contacted XXXX just like the other bank. They apologize, but said that it was up to the credit bureaus to remove the fraudulent inquiries, so I'm asking you to do that.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and remove as quickly as possible. 

They're in the account XXXXXXXX XXXX for {$8400.00}. This account is fraudulent and the bank has never investigated completely. They have never shown any proof that I owe any of this money I would like it investigated and removed unless they can show proof that I owe this money. 

XXXX XXXX what was the transactions on this account of fraudulent I've been paying just because I don't want my account to default, but I shouldn't have to pay for fraudulent transactions. The bank has refused to investigate these fraudulent transactions. 

XXXX XXXX XXXX {$6800.00}. I never open this account. This account does not belong to me. I have no knowledge of who owns this account but it's not me. I would request that the account be closed and zeroed out as quickly as possible And removed from my credit report. 

There is a hard inquiry XXXX XXXX XXXXXXXX on XX/XX/year>. I did not apply for this credit card. I did not give the bank to pull a hard inquiry on my report. I've already contacted the bank. They said that they apologize for the fraudulent activity, but that the Credit reporting agencies would need to remove it so I'm asking you to remove this unless you have proof that it belongs to me. 

XXXX XXXX, the bank refuses to investigate the fraudulent transactions. I should have a XXXX balance they have punished me for a criminal stealing my credit card and have closed my account but still expect me to pay for the fraudulent transactions. I'm pretty sure that's against the law. 

There are XXXX XXXX personal loan inquiries on XXXX different dates. I didn't request a personal loan from XXXX at all. I didn't approve them to pull the hard inquiry on my credit report. I've contacted XXXX just like the other bank. They apologize, but said that it was up to the credit bureaus to remove the fraudulent inquiries, so I'm asking you to do that.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXXXXXX 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. 
Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing a formal complaint against PayPal Credit ( Synchrony Bank ) for refusing to reverse charges related to a compromised XXXX Ads account, despite clear documentation that the charges were the result of fraud, platform failure, and system-level overdeliveryall of which XXXX acknowledged in writing. 

In XX/XX/year>, my XXXX Ads account was compromised. A hacker had spent months embedding dormant, irrelevant, and foreign-language keywords into my campaigns. Between XX/XX/XXXX and XX/XX/XXXX, those keywords were triggered all at once, resulting in over {$11000.00} in charges in just XXXX days. This was entirely abnormalmy typical daily ad spend ranges from {$30.00} to {$50.00}, and my annual ad budget is generally {$10000.00} to {$15000.00}. 

I have operated my business for over 15 years and had never used personal credit lines like PayPal Credit to cover advertising costs. I only used PayPal Credit in this instance because XXXX explicitly promised a refund, admitting their platform overdelivered and served incorrect merchant product feeds. I relied on that promise and used multiple personal credit accounts, including PayPal Credit, to temporarily cover the charges. 

The total incident totaled {$32000.00}, but only a portion was charged to PayPal Credit. I submitted a formal dispute including : XXXX email from XX/XX/year> ( Ticket ID : XXXX ) promising a refund for invalid traffic. 

A second email from XX/XX/year>, acknowledging platform delivery errors. 

Keyword and billing evidence showing the fraudulent traffic. 

A dispute letter explaining the account compromise, overbilling, and lasting business damage. 

I also requested the merchant supply detailed traffic data, including trigger keywords and landing pages, not just generic billing statements. They failed to do so, and PayPal Credit denied the dispute anyway, ignoring the merchants admitted fault and failure to document the charges. 

Importantly, XXXX Ads does not permit advertisers to spend {$11000.00} in a single day through the user interface. Their own internal caps and automation controls prevent this. The only way this could occur is through a platform-level override or security failure, neither of which was initiated by me. The keywords were never removed, and the account was permanently damaged. I had to shut it down. 

Despite all of this, PayPal Credit reported my account as delinquent, causing damage to my personal credit over charges that were clearly invalid and unsupported. This was not an ordinary disputeit was a breakdown in platform integrity and a mishandled merchant charge that should have been reversed.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate this account for me to ensure accuracy. This account was financially agreed to a settlement, and was subsequently paid. However, it still reports as a balance, and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Since XXXX ProCollect Incorporated has send me letters, called me everyday, and finally send my information to the credit reporting agencies for lack of paying a debt I have no clue whom it belongs to. The first time I talked to the company on XX/XX/year> at XXXX. I explicitly told the company I do not know anything about what they are trying to collect from me or who their vendor is. I explicitly told them this was a fraudulent call and they should send me documentation showing I owe what they were claiming. I also told them that was not my debt and they should stop calling me or sending me letters. The representative on the other end was very rude to me and told me I should pay what I owe or they would report me to the credit report agencies. I stood my ground but the company refused to listen. They continued to send me letters and harass me with daily calls.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 soonaspossible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} Date Opened : XX/XX/scrub>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 2025-06-10 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
This letter will be sent to XXXX XXXX XXXX XXXX. 


To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : Direct Loan- Unsubsidized Amount : {$3300.00} Type : Direct Direct Loan- Subsidized Amount : {$7000.00} Type : FFELP Stafford- Subsidized Amount : {$6400.00} Type : XXXX XXXX Unsubsidized Amount XXXX {$3700.00} Type : XXXX XXXX Unsubsidized Amount : {$13000.00} Type : FFELP Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
ThisCFPBcomplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opend XX/XX/XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX .accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. I also attached my identity theft report as well. 

XXXX XXXX XXXXXX/XX/year>

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 2025-06-10 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: NV

Complaint narrative:
To Whom It XXXX Concern, I am filing a complaint against Experian, TransUnion, and Equifax for failing to remove an invalid XXXX account ( Account # : XXXX ) from my credit file, despite multiple disputes since XX/XX/XXXX and clear evidence of inaccuracies. 

Since XX/XX/XXXX, I have been disputing this account, which incorrectly reports my name as a variation that is not mine, instead of my correct name, XXXX XXXX. I sent separate certified mail disputes to Experian, TransUnion, and Equifax, each including : Proof of my identity with a government-issued ID Copies of credit reports highlighting the incorrect account details A detailed explanation of the errors, including the wrong name and other false information Despite these repeated efforts, the credit bureaus have taken no meaningful action. I also sent a dispute to XXXX XXXX which they received on XX/XX/XXXX, via certified mail. Their response, dated XX/XX/XXXX, stated the account was sold to another entity and they could not assist further. However, XXXX continues to furnish inaccurate data to the credit bureaus, and Experian, TransUnion, and Equifax continue to report this account on my credit file, causing ongoing financial harm. 

This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information Key Issues : The account reports an incorrect name instead of XXXX XXXX XXXX confirmed the account was sold, yet it remains on my credit reports I have provided all required documentation multiple times since XX/XX/XXXX The credit bureaus have ignored my disputes I have filed a related complaint with the FDIC against XXXX I demand that Experian, TransUnion, and Equifax : Permanently remove the XXXX account ( XXXX ) from my credit reports Cease reporting inaccurate or unverifiable information Provide written confirmation of the removal If this account is not removed immediately, I will pursue legal action under the FCRA for compensatory and punitive damages due to willful and negligent noncompliance, which has damaged my credit for nearly a year. 

I can provide copies of certified mail receipts, dispute letters, XXXX response, and credit report excerpts if needed. 

Sincerely, 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 non-monetary relief