vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, Equifax, and Experian for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these credit bureaus have failed to provide me access to my free annual credit reports, allowed unauthorized inquiries on my credit report, and denied me the ability to dispute inaccuracies, despite my repeated attempts over the past two years.

Under the FCRA, I am entitled to access my credit reports for free annually through TransUnion and Equifax online. However, for the past two years, I have been unable to access my reports through their websites. The bureaus have not provided any option or mechanism to view or dispute errors, which violates my rights under 15 U.S.C. 1681g. 
Additionally, my credit reports contain multiple inquiries that I did not authorize. These inquiries were made by companies to whom I did not provide consent, indicating that my personal information was improperly shared. I have attempted to dispute these inaccuracies with all three bureaus multiple times over the past XXXXwo years, but they have failed to investigate or remove the unauthorized inquiries, in violation of 15 U.S.C. 1681i. This has caused me significant distress and potential harm to my creditworthiness. 
Equifax have had hacks but they have refused to help rectify the problem on my credit report. 
I have made good-faith efforts to resolve these issues directly with Equifax, but they have not addressed my concerns or provided the required access to my reports. 


XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX, Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXX/XX/XXXX Inquiry date XX/XX/XXXX : XXXX XX/XX/XXXXInquiry date XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX EQUIFAX XX/XX/XXXXInquiry date XX/XX/XXXXXX/XX/XXXXXXXX Inquiry date XX/XX/XXXX Immediate removal of all unauthorized inquiries from my credit reports. 

Restoration of my ability to access my free Equifax credit report. 

Equifax has continually have ignored my disputes even though they were found to guilty of not being a trustworthy company. by the government for not protecting consumers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
please see previous dispute Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX SSN ( Last four ) XXXX Account being disputed XXXX XXXX XXXX # XXXX Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( 3 mos ) Account status Open Type Unpaid Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I asked to be provided the previous information regarding this account. I also have submitted a FTC Report in regards to this case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for failing to update and correct inaccurate personal identifying information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, Equifax continues to report my name as XXXX XXXX. My legal name is XXXX XXXX. I have submitted the required documentationincluding a government-issued photo ID and proof of legal name changeyet Equifax refuses to make the necessary correction.

This failure constitutes a violation of : 15 U.S. Code 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting a name that is no longer legally mine is not accurate and does not reflect reasonable procedures.

15 U.S. Code 1681i ( a ) which outlines a consumers right to dispute information on their file and requires the consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Equifaxs refusal to correct my name after being provided with legally sufficient documentation is a direct violation of this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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

Company 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 2025-05-06 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: PA

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 explanation
Consumer complaint received 2025-05-06 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TN

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 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 2025-05-06 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: TN

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 2025-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX # XXXX i'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

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 explanation
Consumer complaint received 2025-05-06 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: TN

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 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 2025-05-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 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:
On XX/XX/year>, I sent my FTC report and my license to Transunion. I notified them about a fraudulent account reporting 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company 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 2025-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. I did not authorize or initiate the accounts or transactions in question, and I am requesting that all fraudulent activity be investigated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information found to have resulted from a data breach must be deleted or blocked within XXXX ( XXXX ) business days of your receipt of this letter. If verification can not be completed, federal law mandates the immediate removal of the item from my credit report. 

I have provided a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I formally request that you take immediate action to delete or block the disputed items to prevent further escalation. 

Should you fail to verify the item in accordance with the FCRA and continue to report it, I will have no alternative but to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
This is a follow-up to a previously submitted complaint. Im resubmitting with additional documentation that was not included earlier due to upload limitations. 

On XXXX XXXX, 2025, an unauthorized transaction for {$900.00} was made using my PayPal account. The transaction was processed through a XXXX virtual credit card linked to my account. I did not authorize this charge. I reported it to PayPal as fraud, but they denied the dispute without providing any of the evidence or documentation they used to make that decision.

Whats concerning is that just a few days prior, a similar unauthorized transaction was sent to the same recipient, and PayPal confirmed that one as fraud. I requested all records or internal findings used to support their denial of the second case, and they failed to provide anything. It appears they did not properly investigate the second incident, even though it followed the same exact pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Early Warning Services, LLC
State: OR

Complaint narrative:
XXXX XXXX reported me to Early Warning Services , LLC for Checking Account Fraud for a misunderstanding. I will explain the situation and steps I took to resolve it. XXXX XXXX didn't respond to my request to correct/update/remove the reporting of Fraud. 

The back story is I had a checking account with XXXX XXXX  and live right next to a branch. I had funds in a checking account at XXXX XXXX and wrote a check to myself for {$300.00} and mobile deposited it. This was in the middle of the night and I got an error message on my the XXXX XXXX  app. So, I took the check to the ATM and deposited it. Both accounts were involved were in good standing and I had no intention of committing fraud or doing anything wrong. 

XXXX XXXX  cancelled the remote mobile deposit and also the ATM deposit claiming that I was attempting to deposit the same check twice. I called XXXX to explain and I hand wrote a letter explaining the above and also I told them if I knew the mobile deposit went through I wouldn't have attempted to make a deposit in the ATM and I also wrote in the letter that if I were trying to make 2 deposits I could have written a second check since that was my account. They didn't respond and wrote a letter saying they were permanently closing my account. They sent a letter stating the account was overdrawn {$99.00} and requested it. 

After all of this I needed to file XXXX XXXX XXXX and was advised by my attorney to not pay the {$99.00} and instead include XXXX XXXX  as a creditor in my bankruptcy. I did successfully file XXXX XXXXXXXX ( Case XXXX ) and XXXX XXXX did not make a claim against my XXXX 

I wrote an additional letter explaining the situation and as of XX/XX/year> XXXX XXXX still has me listed in Early Warning Services under Reported Information as " Checking Account Fraud with a Principal Loss of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I have tried to contact this company by phone, they tell me they cant help me only give me an email to go to. I have reached out several times with no response. Im literally at the point where I just want to pay and delete this debt from my credit and they cant respond or let me pay.

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