vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I had a collection with XXXX XXXX  that put the collection agency with Northstar Location Services LLC. I ended up paying it off and it had been settled as well. The date of the last payment was on XX/XX/year>. On my credit, it still shows up as a collection despite being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got scammed on PayPal. The buyer filed a chargeback through their credit card, and now PayPal put my account in the negative. 

I didnt do anything wrong. But PayPal sided with the scammer instead of supporting a small business like mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In XXXX of XXXX, I purchased a new vehicle. Immediately afterwards, Synchrony Bank closed all of my credit card accounts at once, with balances and with no notice. They revoked all of my online access to these accounts for me to make payments. Upon contacting them, I was told that they " could not tell me the exact reason my accounts were closed, but that they check my credit every month and if my score were to drop too low, they can sometimes close the account for this reason. However, they could not confirm nor deny that this was the reason for the account closure. '' I inquired to how I was to pay the accounts now that I was not allowed online access to the accounts and was told I would have to call to make payments, paying additional processing fees for paying via phone or I could mail them a payment. When I tried to get information on how to proceed with a payment plan to pay off the remaining balances, none was provided. I was responsible for the entire balance due, immediately and I had 30 days to clear all XXXX accounts or they would be reported to collections as bad debt. They have since been reported to collections. I have continued to receive texts and emails stating " call us, we can help '' and I have spoken to them numerous times and each time, they refuse to provide a reasonable and affordable payment plan. They want payment in full and will not accept any partial payments that I have offered, stating they can not accept any partial payments other than if I was to agree to a payment plan and I would only be allowed to pay the payment plan amount and nothing more or less. They have repeatedly refused to accept any payment on these accounts that I have tried to make and will not negotiate a payment plan that I can afford. 

This was XXXX different store credit card accounts. XXXX XXXX, CareCredit, XXXX 's, XXXX XXXX and XXXXXXXX XXXX XXXX All accounts had balances on them and no past due payments when the accounts were closed. This has DESTROYED my credit, showing thousands of dollars in closed accounts as bad, past due debts with missed payments and even if I do manage to get the accounts paid off, they will still show negatively on my credit report. If I were to somehow get them removed from my credit report, it would also hurt my credit by affecting my credit history and age of credit accounts.

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 2025-04-15 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These 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 # ( private case number ) 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX and Removal Account Name : XXXX XXXX XXXX  Account XXXX Balance : {$910.00} To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized companies accessed my credit report without my consent, harming my credit score. Despite Transunion 's assurance they would be removed, these inquiries remain. This raises serious concerns about identity theft and continues to cause unnecessary stress and damage.

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 2025-04-15 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$12000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request verification of a Capital One account that is currently appearing on my credit report as a closed account. The account in question appears to have been written off, and I am requesting detailed information under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Debt Validation Request Under 15 U.S. Code 1692g ( b ), I am requesting that you provide the following : Proof that I am legally obligated to pay this alleged debt, A complete payment history, including a breakdown of charges and payments, A copy of any original signed agreement or contract with XXXX XXXX, and Documentation that you have the legal right to collect this debt. 

XXXX. Verification of Reporting Rights As the account is marked as " closed '' or " charged off, '' I require proof that you still retain ownership of the debt or the right to collect. If Capital One has sold or transferred the debt to a third party, they no longer have the legal standing to report or collect on it, and it should be removed from my credit report under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which requires accurate and current information.

Please provide : Documentation showing that Capital one retains the rights to this account, Details of any debt sale or transfer, including the name of the current debt owner, The date the account was closed and any charge-off documentation. 

XXXX. Cease and Desist Communication Under 15 U.S. Code 1692c ( c ), I formally request that you cease all further communication with me about this alleged debt, except to provide the required validation or to notify me of specific legal actions. 

XXXX. Request for Removal from Credit Report Since this account is closed and potentially written off, continued reporting of this account as a " collection '' or otherwise active debt may be misleading and in violation of the Fair Credit Reporting Act, which mandates the reporting of only accurate and verifiable information. If you are unable to provide the requested documentation within 30 days, I request that this account be removed from all consumer credit reporting agencies, including but not limited to XXXX XXXX, and XXXX. 

XXXX. Notice of Intent Should you fail to respond to this dispute within the required timeframe or continue to report unverifiable or inaccurate information, I will consider further actions including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney Generals office, as well as potential civil litigation for violations of the FDCPA and FCRA. 

Please consider this a formal request under federal law. Kindly respond within 30 days in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a XXXX Year Roth IRA CD with American Express Bank and in late XXXX, they notified me that they were not going to offer those accounts any more and I needed to transfer it to another bank. I found another bank to roll over the account to, which took place in XX/XX/XXXX. I received a check and deposited it in the new account. However, I couldn't determine how they calculated the final amount and my online access to XXXX Year Roth IRA CD was removed once it was closed so I couldn't access transaction history or statements. I called on XX/XX/XXXX to ask if I'd get a copy of the my final statement and was told that since statements were quarterly, I'd get XXXX after the end of XXXX in the mail, since they had removed online access. On XX/XX/XXXX, I received an email from American Express saying I could view my IRA Statement Online, however, the IRA does not show up online ( I have several accounts with Amex and the other accounts show, but the IRA no longer is visible ). On XX/XX/XXXX, I called and asked if I was going to get a statement in the mail like I had been told in XXXX and the agent said I would probably get XXXX, but she'd mail me XXXX just in case. On XX/XX/XXXX, I received a statement copy in the mail, but it was for my regular XXXX XXXX XXXX account which I could already view online. I called on XX/XX/XXXX and the agent said that she couldn't see a statement being mailed since XX/XX/XXXX. After holding for awhile, she said the department that handled that wasn't picking up and she'd have them call me back. I've already spent about XXXX minutes on the phone, calling Amex multiple times, just to get a copy of my final statement so I can see what the last transactions were on my account. I can't get anyone at Amex to provide a simple copy of a periodic statement. If Amex hadn't removed the account from my online account so I could still see it, this wouldn't have been an issue. I'd just like to get a copy of my statement so I'm hoping CFPB can help.

Company response to consumer: Closed with non-monetary relief