vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MD

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 2025-05-08 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-05-08 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:
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 non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In late XX/XX/year>, I submitted a formal written dispute to Experian challenging numerous inaccuracies on my credit file under the Fair Credit Reporting Act ( FCRA ), including unauthorized inquiries, outdated addresses and employer information, and a derogatory XXXX XXXX XXXX with inconsistent and noncompliant Metro 2 formatting across the three credit bureaus. 

My dispute was detailed and included all required identifying information and documentation. I cited FCRA 611 ( a ), 607 ( b ), and requested full reinvestigation and deletion or correction of unverifiable items. Despite this, Experian responded via email on or around XX/XX/year>, stating they would not investigate my claims because they deemed my submission suspicious, without offering any legitimate basis, verification request, or opportunity to cure. 

This is a clear violation of FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 3 ), which require Experian to investigate consumer disputes unless they are frivolous or irrelevantand even then, they are obligated to notify the consumer of that decision and provide instructions for submitting a valid dispute. No such notice or instructions were given.

As of today, no reinvestigation has occurred and the disputed inaccuracies remain on my credit file, harming my creditworthiness and violating my rights under federal law.

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 2025-05-08 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: PA

Complaint narrative:
So I have a student loan that needs to be paid off I went to school. I think I was like in my XXXX now Im XXXX. You know I owe like XXXX is from XXXX. I think its like a XXXX XXXX for to get my XXXX XXXX which I did XXXX XXXX XXXX XXXX XXXX I never paid a loan but I also have issue with debit like my credit card. I think the credit card I dont know how much exactly I owe when I looked was only like XXXX something so the school loan is the most that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is intentional and should be taken seriously. My credit report contains inaccuracies that have not been properly verified and are causing ongoing harm to my financial and personal well-being. These errors must be investigated and corrected or removed as soon as possible.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account that is currently being reported on my credit file as a result of actions by XXXX XXXX and Credence Resource Management XXXX 

XXXX incorrectly referred my account to collections. After I contacted the appropriate state department, XXXX admitted the referral was a mistake and confirmed there is no outstanding balance on my account. However, the collection agency added a {$100.00} fee related to the wrongful referral. Despite XXXX acknowledging the error, the {$100.00} balance remains active in collections and continues to damage my credit score. 

I have contacted both XXXX and the collection agency multiple times to resolve this issue. XXXX continues to state there is no balance, yet the collection agency insists the {$100.00} is still owed and continues to report the item negatively to the credit bureaus. 

This situation has caused me financial harm, including the denial of a business loan that I urgently need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited after I received a legitimate payment of XXXX from a verified customer. 
A dispute was filed ( Case ID : XXXX ), and on XX/XX/2025, PayPal decided the case in my favor. The hold on the transaction was removed, and the funds were supposed to be available. 

However, despite winning the dispute, I am still unable to withdraw the XXXX. My account remains permanently limited without a clear explanation. The sender has not received a refund either, so the funds are being held without resolution for either party. 

I have contacted PayPal multiple times with no helpful response. I believe PayPal is unfairly holding my money without justification, even after a dispute was resolved in my favor. 

I kindly ask that PayPal either allow me to withdraw the funds or refund the payment to the sender. 
XXXX XXXX : PayPal , Inc . 
Amount Involved XXXX XXXX XXXX Transaction Date : XX/XX/2025 Case Number : XXXX XXXX XXXX : XXXX XXXX Sender Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX ] [ XXXX ] [ ( XXXX ) XXXX ] [ XX/XX/XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I am a victim of identity theft and that certain accounts and information appearing on my credit report are the result of fraudulent activity. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request that Equifax block and delete all information that is the result of this identity theft.

BEAs per the requirements under the law, I am providing the following documentation : 1. A copy of my government-issued photo identification.

2. A copy of a recent utility bill or other proof of my current address.

3. A copy of the Identity Theft Report I have filed with law enforcement.

4. A statement identifying the fraudulent accounts and confirming that they were not opened or authorized by me. 
Please block and remove any accounts or inquiries that are a result of this identity theft from my credit file immediately. I trust that you will handle this request in compliance with federal law and provide written confirmation once the fraudulent data has been removed. 
If you require additional information to process my request, please contact me in writing at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
FTC Report Number : XXXX INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Collection XXXX Equifax XXXX XXXX * * * * * XXXX * * * * XX/XX/XXXX -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX * * * * * * XX/XX/XXXX -- XXXX -- -- - XXXX Late payment Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX * XXXX/XXXX/XXXX Charge account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : 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

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 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Demand for Proper Verification of Collection Account under FCRA 611 & 609 Immediate Removal Requested account # XXXX This letter is in reference to a collection account that appears on my credit report, which I previously disputed. You responded by stating the account was " verified. '' However, under the Fair Credit Reporting Act ( FCRA ), merely contacting the furnisher and receiving a response is not sufficient verification. 

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ) ( A ), I am legally entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information, including the name, address, and telephone number of the party you contacted in the course of your investigation. I demand that you provide this immediately. 

I have not received : A copy of any original contract bearing my signature, Any itemized statement or billing history from the original creditor, Any proof that the alleged debt is accurate, valid, and legally enforceable. 

If you can not provide actual documentation from the original creditornot just a statement from the furnisheryou are in violation of the FCRA. Continuing to report unverifiable information is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), and failure to properly reinvestigate is a violation of FCRA 1681i ( a ) ( 1 ). 

You are now on notice that failure to respond with proper verification within 15 days will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint to my state Attorney General 's office, Potential legal action under the FCRA for negligent or willful noncompliance. 

If you can not provide complete, verifiable evidence that this account is 100 % accurate, I demand immediate deletion of this account from my credit file. 

I expect a full response and results of your reinvestigation within 15 days of receipt of this letter, as permitted under FCRA 611 ( a ) ( 1 ) ( A ) in cases where information is disputed as inaccurate. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-08 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:
In XX/XX/year>, I contacted XXXX and was told that my account would be brought back into good standing, and that I would be placed in forbearance for 60 days due to the temporary pause on the IDR ( Income-Driven Repayment ) plan. I was told that I would not be considered late or delinquent during this time. I submitted my IDR application, which is still under review, and my account has remained in forbearance. 

Despite this, my credit report shows that the loan balances have increased as if I missed payments, even though no payments were due during the forbearance period. My credit score has also decreased as a result. I believe this is inaccurate reporting, and I have documentation showing I was in forbearance. I reached out to XXXX, but their response did not clearly address the issue or correct the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I disputed two charge-off accounts from XXXX XXXX XXXXXXXX XXXX account numbers... XXXX and ... XXXX ) with Innovis on XX/XX/year> and XX/XX/year>. In both disputes, I requested verification and validation of the accounts under the Fair Credit Reporting Act ( FCRA ), specifically asking for copies of the original signed contracts, account statements, and proof of liability supporting the debts. 

Innovis marked both accounts as verified without providing me with any supporting documentation for either account. I never received validation, contracts, or any evidence of the debts, despite my written requests and formal disputes. Innovis failed to provide the documentation required under FCRA 609 ( 15 U.S.C. 1681g ), which grants me the right to request and obtain copies of the information in my credit file, including the sources of the information and supporting documentation.

Additionally, Innovis failed to conduct a reasonable investigation as required under FCRA 611 ( 15 U.S.C. 1681i ). They did not contact the furnisher of the information XXXX XXXX XXXX XXXXXXXX ) to obtain valid documentation or proof of the accounts ' accuracy. Instead, they simply marked the accounts as verified without ensuring the accuracy and completeness of the information, violating the requirement to conduct a meaningful reinvestigation.

By continuing to report these unverifiable accounts, Innovis also failed to uphold the principle stated in FCRA 602 ( 15 U.S.C. 1681 ), which mandates that consumer reporting agencies must maintain fair and accurate credit reporting practices to protect consumers. 

Furthermore, if any third-party debt collector was involved in reporting these accounts, this constitutes a violation of FDCPA 809 ( 15 U.S.C. 1692g ) for failing to provide proper debt validation while continuing to report the debts.

Innovis did not meet any of its obligations under the FCRA or FDCPA : they failed to provide the requested documentation; failed to notify me of the method or sources used in their reinvestigation ; failed to remove unverified information from my credit report ; and failed to ensure maximum possible accuracy. 

I am requesting that the CFPB take action to ensure both accounts ( ... XXXX and ... XXXX ) are permanently deleted from my credit report due to Innovis failure to comply with its legal obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE FOLLOWING ACCOUNT IS A MEDICALLY RELATED.THE ACCOUNT IN QUESTION IS ( FXXXX XXXX ACCT. XXXX ) .THIS ACOUNT IS EXCLUSIVELY WAS USED TO PAY MY MEDICAL, DENTAL AND PERSCRIPTION MEDICATION.PER FEDERAL LAW, CONSUMER FINANCIAL PROTECTION BUREAU ( REGULATION V AND SENATE BILL 5480 ) STATES THAT ALL MEDICALLY RELATED CREDIT FILES SHALL BE REMOVED.

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