vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: RI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6700.00} XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$3500.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a fraudulent account listed on my credit report that I did not open, authorize, or recognize. I have no connection to the creditor and have never consented to this account being reported under my name. This inaccurate reporting is damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report includes an account that I never authorized or applied for. I have no relationship with the reporting creditor, and this account is the result of identity theft or misuse of my personal information. This inaccurate reporting is damaging my creditworthiness.

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 2025-08-11 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:
I am formally disputing the late payment reported on my credit report for this account. My payment records confirm all payments were made on time and in full. This incorrect reporting is causing significant harm to my credit profile and is in direct violation of the Fair Credit Reporting Acts requirement for accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-08-11 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate and improperly reported information contained in my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 et seq. This letter also serves as formal notice of potential civil liability under 1681n and 1681o for negligence and non-compliance with your obligations under the Act Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report ( 1681e ( b ) ), and upon notification of a dispute, you are required to conduct a reasonable investigation ( 1681i ( a ) ) and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Despite previous efforts to resolve this matter, I have not received a satisfactory response, nor have you corrected the erroneous information. This failure to comply with your legal obligations constitutes negligence under 1681o and may also rise to the level of willful noncompliance under 1681n, which exposes you to civil liability including Actual damages Statutory damages ( up to {$1000.00} ) Punitive damages ( for willful noncompliance ) Attorneys ' fees and court costs I demand that you immediately investigate this matter and provide written confirmation of the outcome Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate and improperly reported information contained in my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 et seq. This letter also serves as formal notice of potential civil liability under 1681n and 1681o for negligence and non-compliance with your obligations under the Act Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report ( 1681e ( b ) ), and upon notification of a dispute, you are required to conduct a reasonable investigation ( 1681i ( a ) ) and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Despite previous efforts to resolve this matter, I have not received a satisfactory response, nor have you corrected the erroneous information. This failure to comply with your legal obligations constitutes negligence under 1681o and may also rise to the level of willful noncompliance under 1681n, which exposes you to civil liability including Actual damages Statutory damages ( up to {$1000.00} ) Punitive damages ( for willful noncompliance ) Attorneys ' fees and court costs I demand that you immediately investigate this matter and provide written confirmation of the outcome Sincerely, 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, I am entitled to have these fraudulent items blocked from my credit report upon submission of a valid identity theft report. 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 2025-08-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Reporting Request for Investigation & Removal Dear Credit Bureau , I am writing to dispute the accuracy of a charge-off currently appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C.

1681i ( a ). 
The account in question is : Creditor : [ XXXX XXXX XXXX Account Number : last XXXX XXXX Date Reported as Charge-Off : XX/XX/XXXX I believe this information is inaccurate or incomplete because : [ Brief explanation e.g., The account was paid in full before being charged off, The balance is incorrect, or The creditor can not produce documentation validating the charge-off status. ] Under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy in credit reporting, and under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed item.

I request that you : 1. Conduct a full reinvestigation of this account.

2. Provide the original signed contract, complete payment history, and charge-off documentation from the creditor.

3. Remove this charge-off from my credit report if it can not be fully verified.

Please note that if this account can not be verified within 30 days, the FCRA requires that it be deleted

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 2025-08-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Reporting Request for Investigation & Removal Dear Credit Bureau , I am writing to dispute the accuracy of a charge-off currently appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C.

1681i ( a ). 
The account in question is : Creditor : [ XXXX XXXX XXXX Account Number : last XXXX XXXX Date Reported as Charge-Off : XX/XX/XXXX I believe this information is inaccurate or incomplete because : [ Brief explanation e.g., The account was paid in full before being charged off, The balance is incorrect, or The creditor can not produce documentation validating the charge-off status. ] Under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy in credit reporting, and under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed item.

I request that you : 1. Conduct a full reinvestigation of this account.

2. Provide the original signed contract, complete payment history, and charge-off documentation from the creditor.

3. Remove this charge-off from my credit report if it can not be fully verified.

Please note that if this account can not be verified within 30 days, the FCRA requires that it be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
In accordance with the Fair Creat Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-08-11 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$590.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
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. 



List of Unauthorized Inquiries : XXXX - 2024-XXXX XXXX XXXX 2024XXXX XXXX XXXX XXXX 2024-XXXXXXXX XXXXXXXX XXXX XXXX 2024-XXXX XXXX XXXX XXXX XXXX 2024-XXXX XXXXK - 2024XXXX 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 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this statement as part of a formal complaint regarding the inaccurate reporting of Late Open accounts on my credit report. These entries appear to have been opened without proper authorization or have been reported in a manner that misrepresents their actual status or timing. This misreporting is having a negative effect on my credit profile and does not accurately reflect my financial history.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7400.00}

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had 2 transactions one for {$200.00} and another for {$100.00}. Both I immediately wanted to decline it or refund it but had no clue how to do so. My account was then frozen. Then my friend sent me {$100.00} as repayment for money I loaned her, I was not allowed to transfer to my bank and after I called venmo the deleted my account and said I might get it back in 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced XXXX XXXX technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data. 

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits.

This isnt a mistakeits willful, harmful, and unlawful.

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 2025-08-11 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: CA

Complaint narrative:
the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced XXXX XXXX technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data. 

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits.

This isnt a mistakeits willful, harmful, and unlawful.

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 2025-08-11 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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