vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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 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 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony bank holds the store credit card XXXX XXXX in which i am making a complaint. Without notice to the customer my credit availability was lowered on a card I've only had less than 6 months. No late payments or past due amounts on this card. I went from {$8500.00} to {$4000.00}. The only reason I accepted the credit card was because of the credit amount I could get. I could've done an in store credit payment for what I have available without this interest. Every time I make and payment they're lowering my availability? Totally unfair

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 2025-05-26 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: NJ

Complaint narrative:
I discovered multiple inaccurate and unverifiable negative items reporting on my credit report with TransUnion, Experian, and Equifax. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are reporting with incorrect balances, outdated or misleading statuses ( e.g., charge-offs, collections ), and no documentation to prove their accuracy or legitimacy. 
On or around XX/XX/year>, I reviewed my TransUnion credit report and noted : A collection reported by XXXX XXXX XXXX XXXX XXXX with a balance of {$8200.00} for XXXX XXXX. 
A XXXX XXXX XXXX collection for {$1000.00} related to XXXXXXXX XXXX 
A closed XXXX XXXX XXXX XXXX account previously charged off. 
I sent multiple formal disputes by certified mail to all three credit bureaus under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 609 and 611. I also invoked Metro 2 compliance standards, demanding that all data be verified using proper coding and legal documentation. I requested original signed contracts or agreements to validate each debt.

None of the credit bureaus provided the required source documentation. In some cases, the bureaus marked the items as verified without proving their accuracy or permissible purpose. This is a direct violation of my consumer rights. 
In addition, I requested the removal of outdated addresses that were incorrectly tied to old accounts. I also disputed several unauthorized hard inquiries that were made without my knowledge or permission, which violate FCRA Section 604.Despite my good-faith efforts to resolve these issues, the accounts remain on my report and are severely damaging my credit score and ability to obtain housing or credit. I have also submitted a hardship-based forgiveness letter to the collection agency due to financial difficulty, unemployment, and housing instability, with no response to date

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 2025-05-26 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: NJ

Complaint narrative:
I discovered multiple inaccurate and unverifiable negative items reporting on my credit report with TransUnion, Experian, and Equifax. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are reporting with incorrect balances, outdated or misleading statuses ( e.g., charge-offs, collections ), and no documentation to prove their accuracy or legitimacy. 
On or around XX/XX/year>, I reviewed my TransUnion credit report and noted : A collection reported by XXXX XXXX XXXX XXXX XXXX with a balance of {$8200.00} for XXXX XXXX. 
A XXXX XXXX XXXX collection for {$1000.00} related to XXXXXXXX XXXX 
A closed XXXX XXXX XXXX XXXX account previously charged off. 
I sent multiple formal disputes by certified mail to all three credit bureaus under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 609 and 611. I also invoked Metro 2 compliance standards, demanding that all data be verified using proper coding and legal documentation. I requested original signed contracts or agreements to validate each debt.

None of the credit bureaus provided the required source documentation. In some cases, the bureaus marked the items as verified without proving their accuracy or permissible purpose. This is a direct violation of my consumer rights. 
In addition, I requested the removal of outdated addresses that were incorrectly tied to old accounts. I also disputed several unauthorized hard inquiries that were made without my knowledge or permission, which violate FCRA Section 604.Despite my good-faith efforts to resolve these issues, the accounts remain on my report and are severely damaging my credit score and ability to obtain housing or credit. I have also submitted a hardship-based forgiveness letter to the collection agency due to financial difficulty, unemployment, and housing instability, with no response to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am filing this complaint because on XX/XX/year>2025 I submitted a School Misconduct Discharge application to Navient via email based on my experience at The XXXX XXXX of XXXX and XXXX ( XXXX ), XXXX campus. Although my application was focused on the misconduct of the school and the deceptive practices that led me to enroll and take on private XXXX XXXX debt, it was recently denied. 

I am seeking help understanding why my application was denied, especially considering the documented history of misconduct associated with XXXX. I am also requesting guidance on what steps I can take to challenge or appeal this decision and obtain relief from the private loan debt that resulted from the schools misleading practices. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX, XXXX, XX/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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

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 2025-05-26 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: FL

Complaint narrative:
Complaint Title : Inaccurate Reporting of Closed Auto Loan by XXXX XXXX XXXX FCRA, TILA, and GLBA Violations Description : I am submitting this complaint regarding the incorrect and inconsistent reporting of a closed auto loan account with XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), originally opened on XX/XX/XXXX and closed in XX/XX/XXXX. This account is fully paid and should not be reported negatively. However, it continues to display damaging information in violation of federal laws. 

Facts and Discrepancies Identified : The account was closed with {$0.00} balance as of XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX  ). 

The most recent activity and payment date is XX/XX/XXXX, but Equifax is still reporting and updating this as of XX/XX/XXXX, which is not only inaccurate but misleading since the account has been closed for almost 4 years. 

A 30-day late payment is reflected for XX/XX/XXXX, even though all other months are marked as OK. This appears to be an error as the account was in good standing and later paid in full. 

All three bureaus ( Equifax, XXXX XXXX  ) are reporting this account as Negative, despite it being closed and fully paid with no outstanding debt. 

Reporting a negative closed account in XXXX that has had no activity since XXXX severely distorts my credit profile and does not reflect the real payment history. 

Violations Identified : Fair Credit Reporting Act ( FCRA ) : Section 1681e ( b ) : Failing to ensure maximum accuracy of the data, particularly by continuing to report a paid, closed account as negative. 

Section 1681s-2 ( b ) : Furnisher has not corrected or updated inaccurate information after closure and full payment.

Section 1681c : Reporting outdated negative information beyond the reasonable period of activity and payment relevance.

Truth in Lending Act ( TILA ) : The continued negative reporting and outdated updates after account closure misrepresent the terms of the agreement and fail to provide transparent reporting.

Gramm-Leach-Bliley Act ( GLBA ) : The persistence of outdated and false reporting across multiple credit bureaus indicates a breakdown in data security and responsible handling of consumer financial information.

Impact on Me as a Consumer : This misinformation is negatively affecting my credit score and ability to access business capital, personal credit lines, and other financial opportunities. This reporting makes me appear as a higher risk than I actually am, despite fulfilling my contractual obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Equifax in action violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a XXXX determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XX/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 2025-05-26 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

Complaint narrative:
On XX/XX/2025, I received an email from PayPal stating that my account features were paused due to a change in credit card activity, as some automatic subscription payments ( XXXX XXXX ) failed due to insufficient funds. I was asked to upload my ID and a credit card bank statement. I first uploaded my drivers license and a screenshot of my banking app, but customer support informed me the documents were insufficientthey needed a bank-issued credit card statement and an ID showing my birthdate. I explained that my national ID was expired at the time, and the representative told me I could send the updated documents once renewed.

After renewing my national ID, I sent both the valid ID and a proper credit card bank statement for the card linked to my PayPal account. The next day, I received an email saying my account was permanently limited due to unusual activity, but I have never done anything suspicious. I only use PayPal to receive freelance earnings from XXXX and withdraw them to my card. My account activity includes only normal transactions : receiving payments and withdrawing them. I believe this is an error, and despite providing all requested documents, my account was permanently limited without fair explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I will be appearing before the 9th District Court in XXXX Florida for numerous consumer rights violations. Equifax, Experian and Trans Union have all ignored written requests and complaints and the CFB is complicit as you know they are violating these rights and do nothing about it. FEDERAL LAW DOES NOT GIVE YOU AS MUCH TIME AS YOU WANT TO IGNOREW CONSUMERS AND PROTECT YOUR CUSTOMERS. 

The CEO of each company will be named as a DEFENDANT served a subpoena and will need to appear for hearings and depositions once this if filed against each company. You have underestimated the power of the courts once again. You have been sued over and over again for the same things as I am suing for, and you blatantly disregard those sanctions that were lodged against you whether it be money or other penalties you continue to do so. I am also based on the many lost suites that you have faced going to contact the FBI because at some pint this becomes criminal. This is an organized individual company effort to defraud the consumer and that will fall under RICO. 

LAST WARNING!!!!!!! I want a Call on XXXX  by XXXX by Experian XXXX Equifax XXXX and Trans Union XXXX XXXX if I do not hear from you with an immediate resolution your CEO of each company will be named as a defendant on Wednesday XX/XX/year>. 

GOVERN YOURSELF ACCORDINGLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can no
t be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

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