vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. XXXX XXXX and XXXX XXXX : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXX XXXX & $ XXXX XXXX Open XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NE

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple closed and charged-off accounts on my credit report are inaccurately reporting ongoing late payments even after the accounts were closed. This is misleading and a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 611. 

The companies involved have continued to report delinquency months after the charge-off dates, which is legally and factually incorrect. These errors are damaging my credit and misrepresenting my payment history. I have already disputed these accounts with the credit bureaus and the furnishers, but they have failed to correct or delete the inaccurate information. 

I am requesting that the CFPB step in and ensure these accounts are deleted entirely, as required under the FCRA when unverifiable or inaccurate information is reported. I am prepared to pursue legal action if this issue is not resolved.

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 2025-05-14 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: PA

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 explanation
Consumer complaint received 2025-05-14 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: PA

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 2025-05-14 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: TX

Complaint narrative:
I ASKED FOR ADDRESSES TO BE REMOVED THAT I HAVE NO KNOWLEDGE OF.

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 2025-05-14 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: NJ

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is not updating credit report information in a timely manner. The other two reporting agencies update paid off credit cards right when its reported to them. Experian takes an additional 30-60 days to make the same update when they are receiving the information at the same time as the other credit reporting agencies. Its unacceptable and out of the consumers control.

They also do not make corrections when disputes are opened. I had to open 3 separate disputes to have Experian remove double reporting of my XXXX XXXX Experian had an old loan servicer listed with XXXX XXXX  balances that were transferred to a new loan servicer- so reporting my balances twice on my report. The other two credit reporting companies had everything updated and reported correctly when my student loans transfer was made. Experian continued to report both XXXX XXXX servicers listed with balances for two years despite multiple disputes, receiving the same info as the other reporting companies, and receiving a separate and additional update from the old loan servicer that the balances should be {$0.00}. When I could speak to a person they would not assist with the problem and just directed me to open a dispute although 3 separate disputes did not resolve the problem.

Experian has internal reporting issues. Experian does not enter updates from lenders correctly and they do not correct their data entry errors in a timely manner. Experian also has an inadequate dispute system and a way for consumers to resolve ongoing internal reporting errors/incorrect data entry into credit reports that are their fault. If the other reporting agencies have the information entered correctly on a credit report it is not the a problem with the update from the lender it is Experian failure to manage that information correctly.

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 2025-05-14 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: FL

Complaint narrative:
Deposited a IRS refund check with teller after confirming the funds would be available the next day This was at Synovus bank. The funds were not available the next day. I call they said there is a hold on check.I went to bank and was told I needed to send them the tax transcripts for that return which I provided and still the funds are not in my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
The original mortgage lender XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX shortly after closing to a new XXXX XXXX XXXX, XXXX XXXX a XXXX loan but Loan Care, LLC reported my new account with them as a XXXX XXXX XXXX XXXX when I made my first mortgage payment to Loan Care, LLC as instructed by the original lender. Once I became ill and was taken off work for a work related injury awaiting shoulder XXXX I also came down with XXXX  XXXX twice during this time so I then started experiencing financial hardship I reached out to the new lender who said they couldn't help me because my loan was to new and I had a conventional loan I replied NO THAT'S NOT CORRECT I purchased my loan under FHA First Time Buyer 's Program so they transferred the loan back to the original lender and both Mortgage Companies reported a DELINQUENT CONVENTIONAL LOAN on my credit reports. I disputed the credit reports with the credit bureaus which also takes us to the Lawsuit I filed that's open as we speak in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX activity by the defendants listed above. During this litigation and research HUD verified under Ticket # XXXX that the FHA Case never existed at all in their database as a FHA loan and has no association with me or my property address which is also a violation of RESPA for using a false and bogus FHA Case number on Closing Documents which was misleading to the Buyer/Homeowner and a Breach of Contract with all of the other issues pertaining to the Federal Lawsuit. I have also filed a Fraud Complaint with XXXX XXXX XXXX XXXX XXXX as a few other Government Authorities and will also be filing with the FBI ASAP after I complete this complaint.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Have asked for debt validation and havent received any. Account numbers are not the same being reported on my credit report and the court summons. And they are updating the balance even though they are nir the ones taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This formal complaint is being submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand the immediate blocking and removal of fraudulent and unauthorized information currently being reported by TransUnion. These accounts were opened as a result of identity theft and are inaccurately linked to my consumer credit file. 

The following accounts are being falsely reported : A credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$240.00} A second credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$53.00} An auto loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a {$0.00} balance A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$330.00} Pursuant to FCRA XXXX XXXX ( 15 U.S.C. 1681i ), I am also invoking my right to a full reinvestigation of these entries. I am requesting that TransUnion supply me with the specific method of verification used to confirm the accuracy of each account and provide physical proof or original documents relied upon. If such evidence can not be provided, these items qualify as prima facie fraudulent and must be permanently deleted.

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 2025-05-14 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I woke up to find an unauthorized inquiry on my credit report, and Im absolutely frustrated because I have no idea how it got there. I always check my report routinely, and suddenly this shows up. I even refreshed the browser thinking it was a glitch, but the inquiry stayed. I need this issue resolved immediately, and Im urging you to thoroughly review the documents Ive submitted so I can stop worrying about this.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried to log into my XXXX  account ( XXXX ), but I have two accounts using the same phone number, but I got locked out of my other account to try to remove my phone number ( XXXX ). I was sent a payment by a class action lawsuit thats on my XXXXXXXX XXXX XXXX  account, but as you can see, I cant access the account. XXXX  has been unhelpful, and I dont know what to do.

Company response to consumer: Closed with non-monetary relief