vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Equifax is irresponsibly and inaccurately reporting a charge-off for XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  with a balance of {$11000.00}, without providing any verifiable evidence to justify this derogatory listing. No original creditor documentation, full account records, or signed agreements have been produced to validate the legitimacy of this charge-off, yet Equifax allows this damaging and inaccurate account to persist. Under 15 USC 1681e ( b ) and 15 USC 1681i, Equifax is legally required to ensure the maximum possible accuracy of consumer information and must conduct a thorough reinvestigation when a dispute is filed. The presence of this unverifiable account strongly suggests the mishandling of consumer data, possibly arising from a prior data breach. Equifaxs failure to correct or remove clearly inaccurate information is a severe violation of the Fair Credit Reporting Act and an unacceptable attack on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected transfer of my XXXX student loans from XXXX to XXXX without any prior notice or communication from either servicer. I received a congratulatory email from XXXX stating that my loans had been paid in full and that no further payments were required. At no point was I informed that the loans would be transferred to another servicer. I checked my XXXX account inbox, where all official messages are stored, and found no record of any communication about a loan transfer. Several months later, I began receiving physical mail from XXXX stating that I had an upcoming payment due. This was the first time I became aware that my loans had been transferred. I did not receive any prior communication from XXXX or XXXX regarding this change, which left me confused and concerned. My contact information has always been accurate, and I have successfully received other communications from XXXX in the past. I believe this failure to notify me in advance violates federal regulations that require borrowers to be informed in writing when their loan servicing is being transferred. Although I have since made small payments to XXXX in good faith to avoid any negative impact on my credit, I am requesting the following : A clear explanation of why no advance notice was provided by XXXX Documentation from XXXX showing when and how they attempted to notify me Confirmation that this transfer process complied with all federal student loan servicing requirements Guidance on my rights to dispute this issue and address any potential reporting errors with the credit bureaus I respectfully ask the CFPB to investigate this matter and ensure both servicers are held accountable for improper communication practices. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: CA

Complaint narrative:
I was an XXXX  in XXXX. # XXXX. This card is given to all XXXX  upon XXXX  of {$200.00} from Jpay. I had a remainder of {$48.00}. When I called to ask about the rest of the money, I was told that they transferred to a new bank and they will send me a new card too much fast. I called and asked about it again now they say the count is close so I said, where do I get the remaining money she put me on hold and never came back I called twice after that and it was the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified 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 2025-04-28 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: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS, WHICH IS AFFECTING MY ABILITY TO OBTAIN CREDIT AND VIOLATED THE FAIR CREDIT ACT.I WOULD LIKE THIS TO BE REMOVED SO I CAN OBTAIN CREDIT.

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 2025-04-28 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: AL

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I am writing to file a formal complaint against Experian, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I submitted a dispute to Experian concerning inaccurate information appearing on my credit report. Under the FCRA, Experian is legally obligated to conduct a reasonable reinvestigation of disputed information within 30 days. However, Experian failed to properly investigate my dispute. I have not received sufficient documentation, evidence of investigation, or the required Method of Verification ( MOV ) explaining how they verified the accuracy of the disputed information.

As a result of Experians failure to act in accordance with federal law, my consumer rights have been violated, and the incorrect information continues to cause harm to my creditworthiness. 

I respectfully request that the CFPB investigate this matter thoroughly. Additionally, I ask that Experian be instructed to : Conduct a proper reinvestigation of the disputed information Provide full documentation and verification of the reinvestigation process Correct or remove any unverifiable or inaccurate information from my credit file Thank you for your time and attention to this urgent matter.

Experian mailed me a letter for the second letter stating that the dispute doesn't seem to have come from me and that they didn't investigate the matter at hand. I am beyond tired of this! I have sent proof of my driver 's license, address and social to verify who I am along with the dispute to all three major credit companies. I also sent it to the smaller reporting companies. This isn't fair at all. I am XXXX and my information was stolen. I have filed every report that I needed and i also sent that in to the credit companies. I also sent proof that i wasn't late on one of my bills and they are yet to get it resolved. This is hurting me!

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 2025-04-28 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: AL

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I am writing to file a formal complaint against Experian, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I submitted a dispute to Experian concerning inaccurate information appearing on my credit report. Under the FCRA, Experian is legally obligated to conduct a reasonable reinvestigation of disputed information within 30 days. However, Experian failed to properly investigate my dispute. I have not received sufficient documentation, evidence of investigation, or the required Method of Verification ( MOV ) explaining how they verified the accuracy of the disputed information.

As a result of Experians failure to act in accordance with federal law, my consumer rights have been violated, and the incorrect information continues to cause harm to my creditworthiness. 

I respectfully request that the CFPB investigate this matter thoroughly. Additionally, I ask that Experian be instructed to : Conduct a proper reinvestigation of the disputed information Provide full documentation and verification of the reinvestigation process Correct or remove any unverifiable or inaccurate information from my credit file Thank you for your time and attention to this urgent matter.

Experian mailed me a letter for the second letter stating that the dispute doesn't seem to have come from me and that they didn't investigate the matter at hand. I am beyond tired of this! I have sent proof of my driver 's license, address and social to verify who I am along with the dispute to all three major credit companies. I also sent it to the smaller reporting companies. This isn't fair at all. I am XXXX and my information was stolen. I have filed every report that I needed and i also sent that in to the credit companies. I also sent proof that i wasn't late on one of my bills and they are yet to get it resolved. This is hurting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-28 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: GA

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 2025-04-28 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: MS

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX  XXXX Balance {$620.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$240.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$430.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$160.00} Open Date XX/XX/XXXX XXXX XXXX AUTO Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date 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 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

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 2025-04-28 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: FL

Complaint narrative:
In XX/XX/year>, I discovered a fraudulent personal loan account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft or unauthorized use of my personal information. 

The fraudulent account includes : XXXX XXXX XXXX XXXX  Loan Opened in 2025 This account was created without my consent, and I had no involvement in authorizing or initiating it.

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 2025-04-28 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.

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
The reported address on this account is incorrect and violates the FCRA. Please investigate and remove this inaccurate information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-04-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.Accounts in Question XXXX XXXX XXXX BALANCE {$1200.00} XXXX XXXX XXXX BALANCE {$3700.00} XXXX XXXX XXXX XXXX BALANCE {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Beginning in XXXXXXXX XXXX I requested a first transfer of {$120.00}. from my checking acct at XXXX XXXX XXXX XXXX XXXX to " XXXX XXXX '' at " XXXX ''. Since my double XXXX XXXX I have been at my Daughters, and now a Friends. XXXX handled my yard, mail & local errands kindly. I felt he deserved compensation and was mortified to be told by his Family, only a couple months ago, that he'd not received a XXXX!!!. He, I, XXXX XXXX, and XXXX XXXX are all three in Oregon. 

At my initiating, PayPal sent this, and XXXX subsequent transfers of {$130.00}., to ( it has now been stated on a call to them ) a " whtoews '' at " XXXX '' who I was told at some point is not even located in Oregon. 

At one point PayPal said my bank would need to initiate a " Charge Back '' case and told me in an email they ( PayPal ) would then be able to get my monies back as the transfers were sent to a wrong party! XXXX XXXX XXXX, after I filed claim with them, determined it had been " too long '' and suggested I return to hold PayPal responsible for their errors of in house transfering funds to a wrong party. In my last two attempts to resolve this, in writing first, and finally calls to PayPal I have been told they are 'looking into this '. Each time I continue to request email confirmation of our communication but except for what I've attached they are now ignoring me and NOTHING arrives. 

At one point I was also told " XXXX XXXX '' was not a PayPal subscriber yet I have email & account receipts from PayPal with confirmed transactions, in his full name, each time. I've started to wonder if in fact my monies were deducted from my Credit Union Acct. but not actually forwarded, nor intercepted by any third party? 

I will attach what I can and m willing to provide whatever is necessary to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: IN

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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