vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
n 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. 
Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX account # XXXX Has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

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 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 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: AL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : 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 2025-06-17 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: IL

Complaint narrative:
I am submitting this complaint to report the continued furnishing of inaccurate, unverifiable, and potentially fraudulent data on my consumer credit profile by Experian, Equifax, TransUnion. 

Despite multiple written notices disputing unauthorized third-party tradelines, false inquiries, and outdated negative entries, the agency ( ies ) have failed to provide adequate investigation results or permanently remove the challenged items in accordance with FCRA 602 and 611.

Additionally, I have established fiduciary status over the estate associated with the legal name and Social Security Number under private trust. Supporting documentationincluding IRS Form 56, UCC-1 financing statements, and legal affidavits. 

Further, the agencies continue to assign an algorithmic credit score that causes material harm, despite my lawful administrative rebuttals and requests. 

This ongoing failure to investigate, correct, and lawfully acknowledge my administrative authority constitutes a direct violation of my consumer rights and fiduciary standing. 

No resolution or adequate response received as of XX/XX/year>. 

I will attach a complete packet of documents that support this claim, including legal notices and affidavits.

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 2025-06-17 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: IL

Complaint narrative:
I am submitting this complaint to report the continued furnishing of inaccurate, unverifiable, and potentially fraudulent data on my consumer credit profile by Experian, Equifax, TransUnion. 

Despite multiple written notices disputing unauthorized third-party tradelines, false inquiries, and outdated negative entries, the agency ( ies ) have failed to provide adequate investigation results or permanently remove the challenged items in accordance with FCRA 602 and 611.

Additionally, I have established fiduciary status over the estate associated with the legal name and Social Security Number under private trust. Supporting documentationincluding IRS Form 56, UCC-1 financing statements, and legal affidavits. 

Further, the agencies continue to assign an algorithmic credit score that causes material harm, despite my lawful administrative rebuttals and requests. 

This ongoing failure to investigate, correct, and lawfully acknowledge my administrative authority constitutes a direct violation of my consumer rights and fiduciary standing. 

No resolution or adequate response received as of XX/XX/year>. 

I will attach a complete packet of documents that support this claim, including legal notices and affidavits.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: WA

Complaint narrative:
I am filing a complaint against Paypal for the mishandling of my disputed and appealed transaction ( s ). 
Please see details below : Disputed Transaction ( XXXX ) : Merchant Name : XXXX ( XXXX XXXX XXXX ) Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX Amount ( XXXX ) : {$99.00} and {$850.00} Summary of the Issue : I am filing this complaint because I was sold misrepresented goods/services by the merchant listed above. I made a purchase for compounded prescription medication through a telehealth provider. The medication was provided by a pharmacy that I later discovered was : Not licensed for sterile compounding Not licensed to operate in my home state Under active investigation or regulatory action by their states department of health I was denied the opportunity to choose a pharmacy and was led to believe the product would be legally compounded and dispensed. This turned out to be false. 

Timeline & Dispute Filing : I discovered the misrepresentation on XX/XX/XXXX and filed my disputes with PayPal shortly thereafter. 
My card issuer, Paypal, denied both of my initial disputes, as well as 1 of 2 of my appeals ( one appeal still active ) despite compelling evidence.

Evidence I Provided : State regulatory findings showing the pharmacy lacked proper licensing to both Compound my medication, as well as ship it to my resident State ( WA ) Documentation the pharmacy has since lost their primary Liscense as of XX/XX/XXXX due to the unlawful compounding of said medication, as well as many other safety and health violations, and is no longer in business Proof the merchant provided false and misleading information about the source of the medication How Paypal Mishandled the Dispute : Did not provide a detailed explanation for the denial of my cases, and failed to fulfill my request for copies of the documentation used/considered to make their determination Dismissed valid regulatory and medical evidence Repeatedly requested evidence impossible to obtain, or was irrelevant to the nature of my disputes Repeatedly requested information and documentation that I had already provided Gave the merchant significantly more time to respond to requests for additional information ( i.e. merchant given XXXX weeks vs. me 3 days ) Required me to provide significantly more documentation than the merchant Requested Resolution : I respectfully ask the CFPB to : Investigate Paypal 's mishandling of this dispute Require them to reopen and approve my claim ( XXXX ) Ensure fair treatment and proper/thorough investigation of consumer complaints involving misrepresented and potentially unsafe medical products and Prescription medication Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX significantly increased for Ashley Furniture payments. Was not warned of a deferred interest rate.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against the debt collection law firm XXXX and XXXX, XXXX. ( " XXXX '' ) for a persistent pattern of bad faith litigation, misrepresentations to the court, and violations of the FDCPA and MCDCA. This concerns a debt originally from XXXX XXXX, now Capital One, N.A. ( MD XXXX XXXX XXXX : XXXX ). 

In XX/XX/XXXX, after I had initiated the arbitration process, Discover Banks then-counsel ( XXXX XXXX XXXX XXXX made a formal settlement offer via email to waive the entire alleged debt ( {$1600.00} ) and dismiss the case with prejudice. I accepted this binding offer by ceasing my pursuit of arbitration and forgoing a counterclaim. 

Subsequently, XXXX re-entered the case and began a campaign to breach the settlement. When I notified XXXX attorney, XXXX XXXX XXXX, of the existing agreement, she responded unprofessionally via email, calling me a " pain in the XXXX. '' XXXX then filed a motion to lift the court 's stay based on the demonstrably false claim that I had " failed to initiate arbitration. '' They also falsely claimed in a XX/XX/XXXX court filing that I evaded service, a claim I can disprove with security camera footage. 

I reported this misconduct directly to XXXX XXXX  's Executive Office. In an XX/XX/XXXX letter, they admitted the behavior was " not typical '' but refused to intervene, thereby ratifying their agent 's actions. 

The bad faith culminated on XX/XX/XXXX. In court, XXXX XXXX ( who was not an attorney of record ) acknowledged my pending motion to enforce the settlement and passed the case. The judge then announced contested matters would not proceed further that day. After I left in reasonable reliance on the court 's statement, XXXX XXXX, by her own admission in a later court filing, took an ex parte affidavit judgment against me, knowing I was no longer present. 

This improper judgment was taken the day after the XXXX/Capital One merger, with no notice of substitution of plaintiff. After I filed a de novo appeal, XXXX compounded their errors by filing documents in the District Court, which no longer had jurisdiction. 

I have been forced to defend against the collection of a settled debt, combat false statements, and appeal an improperly obtained judgment. I request the CFPB investigate these violations, facilitate a resolution where Capital One honors the original settlement, and take enforcement action against XXXX XXXX XXXX for their conduct. I have attached all supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-17 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: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2600.00}

Company response to consumer: Closed with explanation