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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Fraudulent Accounts under FCRA 1681c-2 and Metro 2 Compliance Guidelines Dear Experian, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached.

These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. 
Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. 
Accounts to be Investigated and Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent.

Immediate reinvestigation and deletion if accounts can not be verified as valid.

A full report of the outcome of your investigation within 30 days as required by law.

Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary.

Thank you for your prompt attention to this matter. 
Sincerely, 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Fraudulent Accounts under FCRA 1681c-2 and Metro 2 Compliance Guidelines Dear Experian, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached.

These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. 
Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. 
Accounts to be Investigated and Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent.

Immediate reinvestigation and deletion if accounts can not be verified as valid.

A full report of the outcome of your investigation within 30 days as required by law.

Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary.

Thank you for your prompt attention to this matter. 
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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX  in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
portfolio recovery services is attempting to collect on a debt that isnt even the correct amount with the original company. they increased it by about XXXXXXXX XXXX  i dont owe these people anything, ive never had a contract with them or an agreement to pay them anything, nor have they ever loaned me any money.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft the following inquires were not made by me please delete from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft the following inquires were not made by me please delete from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  is reporting derogatory on my transunion and my XXXX  credit report as a collection/chargeoff and everything is not matching up as far as the records are reporting. 
Transunion is reporting the date opened XX/XX/XXXX and the last reported was XX/XX/XXXX the last day active XX/XX/XXXX XXXX  is reporting the date opened XX/XX/XXXX and the last reported was XX/XX/XXXX the last date active XX/XX/XXXX and I know transunion and XXXX  are both under fire for reporting wrong information Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/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 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX is reporting derogatory on my XXXX  and my Experian credit report as a collection/chargeoff and everything is not matching up as far as the records are reporting. 
XXXX  is reporting the date opened XX/XX/XXXX and the last reported was XX/XX/XXXX the last day active XX/XX/XXXX Experian is reporting the date opened XX/XX/XXXX and the last reported was XX/XX/XXXX the last date active XX/XX/XXXX and I know XXXX  and Experian are both under fire for reporting wrong information Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked ny credit report and noticed some accounts that i dont recognize and didnt authorize to be reported so believe them to be fraudulent. Please remove all fraudulent accounts i have listed in the identity theft report according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), I have enclosed the following documents, ID, SSN, IDENTITY THEFT REPORT, FCRA 605B. I appreciate your immediate response to my issue, Sincerely XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: PA

Complaint narrative:
This is now my fourth formal complaint against Sallie Mae regarding their ongoing use of predatory, illegal, and abusive collection practices. My account is not eligible for collections, as I was in a valid deferment period and am currently enrolled full-time in a XXXX  program. Despite this, Sallie Mae has continued to pursue collection efforts. 

I have submitted three previous CFPB complaints, sent certified letters to Sallie Maes legal department, and made multiple formal requests for resolution. These attempts have gone unanswered. Today, I received yet another harassing phone call, and my cosigner was sent emails containing aggressive and inappropriate language, including threats of " accountability '' and " consequences. '' Additionally, Sallie Mae has now blocked my email communications to customer service, preventing me from resolving this through appropriate channels. 

If this issue is not addressed immediately, I will be escalating the matter to the Pennsylvania Attorney Generals office and exploring all available legal remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have not used my PayPal account since XX/XX/XXXX. On or around XX/XX/XXXX, an unauthorized individual gained access to my PayPal account. They added an external bank account and debit card that do not belong to me. On XX/XX/XXXX, they withdrew {$990.00} from my linked personal bank account and immediately transferred the funds to the fraudulent bank account they had added. 

I was unaware of this activity until later in XXXX, at which point I logged into PayPal and removed the unauthorized bank account and card, revoked access, and contacted PayPal customer support multiple times. Despite clearly explaining that I did not add the external bank account and did not authorize the transaction, PayPal closed the investigation and claimed the activity was authorized. 

I asked PayPal for documentation explaining how they reached this decision, but their response was generic and did not provide any evidence or investigation details. I am now left with a negative PayPal balance because my bank reversed the fraudulent transaction PayPal transferred funds to a criminal, and I am being held financially responsible. 

I am requesting that PayPal remove the negative balance from my account, acknowledge that unauthorized access occurred, and conduct a proper investigation into how the fraudulent bank account was added.

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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX Account # XXXX * * * * * * * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXXXXXX Account XXXX : XXXX * * date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXXXXXX Account XXXX XXXX XXXX * * date opened XX/XX/XXXX bal. {$750.00}, XXXX Account # : XXXX * * date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX XXXX  Account # XXXX * * * * date opened XX/XX/XXXX bal. {$310.00}, XXXX Account # : MP * XXXX * * date opened XX/XX/XXXX bal. {$210.00}. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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