vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXX XXXX XXXX XX/XX/XXXX for {$60000.00}, XXXX XXXX  XXXX XX/XX/XXXX for {$53000.00}, XXXX XXXX XXXX XX/XX/XXXX for {$610.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXX XXXX XXXX XX/XX/XXXX for {$60000.00}, XXXX XXXX  XXXX XX/XX/XXXX for {$53000.00}, XXXX XXXX XXXX XX/XX/XXXX for {$610.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-12 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: IL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian continues to report a XXXX XXXX account under my name that is inaccurate and inconsistent. The Department of Education admitted in a CFPB response that my credit report may show a zero balance or closed status while also showing the account in default or collections. This is contradictory reporting and misleads creditors who view my file. 

I do not have a contract with the Department of Education nor did I authorize the company to obtain or share my personal information. My rights to privacy have been violated under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Experian has verified this account as accurate multiple times, yet no disbursement records or original signed documentation proving I ever received and used {$5400.00} in XXXX XXXX funds have been produced. Reporting an account as both closed and in collection is not consistent with the FCRA requirement of maximum possible accuracy under 15 USC 1681e ( b ).

By continuing to verify this account without requiring proof, Experian is in violation of FCRA 15 USC 1681i for failing to conduct a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian continues to report a XXXX XXXX account under my name that is inaccurate and inconsistent. The Department of Education admitted in a CFPB response that my credit report may show a zero balance or closed status while also showing the account in default or collections. This is contradictory reporting and misleads creditors who view my file. 

I do not have a contract with the Department of Education nor did I authorize the company to obtain or share my personal information. My rights to privacy have been violated under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Experian has verified this account as accurate multiple times, yet no disbursement records or original signed documentation proving I ever received and used {$5400.00} in XXXX XXXX funds have been produced. Reporting an account as both closed and in collection is not consistent with the FCRA requirement of maximum possible accuracy under 15 USC 1681e ( b ).

By continuing to verify this account without requiring proof, Experian is in violation of FCRA 15 USC 1681i for failing to conduct a reasonable reinvestigation.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
This infomation isnt mine and is a result of Identity theft please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/year>, I received a Verizon credit card with a {$1000.00} limit. Up until now, they have only reported my account to the credit bureaus once. In XXXX, I made a payment on time ; however, due to my ongoing divorce, my soon-to-be ex-husband canceled that payment without my knowledge. As a result, Verizon added a late fee to my account and subsequently reported me as late, despite not notifying me of this situation. 

I understand that they claim they are not obliged to inform me about a returned payment, as that falls under my bank 's responsibility. However, under the Truth in Lending Act, credit card issuers are legally required to provide notification of late payment fees and returned payment fees, typically through a notice on the monthly statement. I did not receive any such notification. The only indication I had of this issue was a XXXX drop in my credit score. I find this to be both legal and unfair, and I believe it warrants further attention.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Today XX/XX/year> I got XXXX $ sent to my XXXX account I tried to transfer it out using my prepaid cashapp card. Which has always been able to withdrawal money using an instant transfer. I was brought up with a prompt saying that its having difficulties processing this. I dont have a bank account so I wasnt able to process a bank transfer and so I expected to be able to talk to customer service to get any reasoning onto why. The original person whose name was XXXX told me to try in a few hours. I waited 3 hours before I tried again. When I tried again it prompted the same issue. I inserted a different card number that being my XXXX XXXX digital card with the assumption that it would work then to no result. Following that i contacted support again to which I was told the same thing wait a few hours to which I responded can u speak to a manager. I get into contact with a manager and ask simple questions like why is a security flag raised and he responded with something along the lines of I dont know why the system flagged it. Okay thats fair not his department so then I ask when does this typically get dropped. He tells me he cant make it just go away and Im able to transfer it I say okay thats Understandable also so I follow up asking him how to fix the security flag to which he responds with the same thing again I cant bypass it. I tell him hes not understanding what Im asking and he continues to repeat that he cant by pass it and I tell him hes not answering my question what can I do/ how long do I have to wait. He again says he cant by pass it. I ask to speak to someone else because hes not understanding what Im saying to which he says no one else is available and Im at my peak of people to talk too. I ask him if theres anyone I can contact to get the information needed for a understanding and if my money is just stuck there to which he responds again he doesnt know and that there is no one else. At this point I ask for a HR number or something that tracks back too support for people who need a direction ti go to which he says there is no one else. So for a full over view he basically told me your money is not available to be transferred the only way you can use with a bank account and u cant speak to anyone else. Thats all major red flag for a major institution like XXXX my money is on hold/ unavailable to me through and through and I have no explanation and no contact to go to past this. When I asked for his name he proceeded to tell me this name after trying to get him to spell it out he kept doing odd things to completely confuse me. Heres what I made his name out to be and the current time I was called was XXXX his name is XXXX XXXX or thats how he spelled it for me atleast. I told him I will be reporting this. At this moment I still have no explanation or understanding or way to access my money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Bankruptcy listed on my credit report on all credit bureau. Without proper validation of name adress incorrect dates and year, damaging remarks on credit report .without permission to publish to have them remove

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 2025-09-11 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: TX

Complaint narrative:
Bankruptcy listed on my credit report on all credit bureau. Without proper validation of name adress incorrect dates and year, damaging remarks on credit report .without permission to publish to have them remove

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer with BOA since XXXX. Never missed a payment. 
I have both credit card and checking account with BoA. 

To be XXXX, I haven't had much transaction with them recently, as in not using their credit card or checking account or so. 

On XXXX XXXX, I received an email saying if there is no usage of the credit card, they will close my credit card. So I use this credit card for a {$6.00} park entrance fee on XXXX XX/XX/XXXX. 

Both my Credit Card and Checking Account are turned on paperless, so I expect that there will be a monthly email sending to me saying your statement is ready to view, so i can be reminded to login and check my statement. 

I did receive my checking account monthly email reminder on " your statement is ready '', but for credit card i didnt. So I wasnt aware i already past due 30 days. It should be by default common sense that once you turn on paperless, then there should be reminder sent via email saying your statement is ready to check. I got that from checking, but not from credit card. 

I called BOA credit card team, they said it is not the case, it is not by default sending you email reminder even if you enroll paperless.... 

https : //info.bankofamerica.com/en/digital-banking <<< if you look at this website under How can I stop or resume mail delivery of paper statements, it clearly says " If you choose to stop delivery of paper statements, well send you an email every month reminding you that your statement is available for viewing online. '' Afterall, my credit score tank just because of that {$6.00} - and then no email reminder. I dont think as a customer i should be responsible for the credit score tank. 

As a company you should be consistent, why your checking account will automatically email remind to check statement but not your credit card

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
information reporting incorrectly on my credit report

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting two fraudulent accounts in my name. I did not open or authorize these accounts, and they are the result of identity theft. I have never had any dealings with XXXX XXXX in connection with them. 

The details are : Account # XXXX Agency : Midland Credit Management Original Creditor : XXXX XXXX XXXX 
Date Assigned : XX/XX/XXXX Balance : {$1100.00} Account Number ( masked ) : XXXX / XXXX Status : Collection account, seriously past due Account # XXXX Agency : Midland Credit Management Original Creditor : XXXX XXXXXXXX, XXXX. 
Date Assigned : XX/XX/XXXX Balance : {$940.00} Account Number ( masked ) : XXXX / XXXX Status : Collection account, seriously past due I have already filed an FTC Identity Theft Report and submitted copies of my ID and proof of address to the credit bureaus. Despite this, Midland continues to report these accounts. 

Under the Fair Credit Reporting Act ( FCRA ), once identity theft is reported, the collector must cease collection and the accounts must be blocked and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
On XX/XX/year>, I disputed a fraudulent AT & T debt with Sunrise Credit Services under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
I provided all legally required documentation to prove identity theft, including : FTC Identity Theft Report # XXXX Police Report # XXXX DOJ report ID and CFPB complaint reference My letter demanded proper debt validationsuch as the original signed contract, account statements, and the name and address of the original XXXXreditoras required by FDCPA 809 ( b ) and requested that Sunrise block and delete the fraudulent tradeline per FCRA 605B.

Instead of supplying the requested proof or ceasing collection, Sunrise replied on XX/XX/year> with a letter demanding an additional identity theft affidavit. 
This request is a stall tactic and not a lawful validation of the debt. 
Under FDCPA 809 ( b ), a collector must either mail verification of the debt or cease all collection activity ; requesting unnecessary affidavits does not satisfy this requirement.

Their refusal to block the information also violates FCRA 605B and 611.

Sunrise Credit Services is therefore continuing collection activity without providing verification and has ignored the complete documentation I already supplied.

I request that the CFPB investigate these violations and require Sunrise to cease all collection efforts and remove the fraudulent account from my credit reports.

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