vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts that are currently appearing on my credit report. The reporting of these accounts is a violation of the Fair Credit Reporting Act ( FCRA ) because the information is incomplete, inaccurate, and unauthorized. 

Please immediately investigate and remove or correct these items : 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  Collection Loan by Phone Amount : {$310.00} Account Number : Not Provided/ Not Listed XXXX XXXX XXXX XXXX XXXX {$750.00} Account Number : Not Provided/ Not Listed The information being reported regarding these accounts is not only inaccurate and incomplete, but its continued reporting is also unauthorized. I am asserting my rights under the FCRA and requesting that you : Conduct a reinvestigation of each disputed account. 
Remove or correct all inaccurate, incomplete, or unverified information. 
Provide me with written confirmation of your findings and an updated copy of my credit report. 
Furthermore, I am aware of multiple legal cases and regulatory actions that have addressed similar violations of consumer rights, including but not limited to : XXXXXXXX XXXX XXXX  : XXXX outdated debts and failure to remove them. 
FTC v. XXXX : Settlement over deceptive marketing practices related to credit scores and monitoring. 
XXXX v. Equifax Information Services LLC : Mixed file reporting of debts belonging to another consumer. 
XXXX v. Equifax Information Services LLC : Class action related to public record inaccuracies and failure to update records. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : Reporting inaccurate information and failing to conduct proper reinvestigation. 
These examples underscore the importance of compliance with federal law and the necessity for you to ensure my credit report is accurate and fair. 
Please complete your reinvestigation within the timeframe prescribed by the FCRA and send me written confirmation of your results. If you fail to correct or remove this information, I will consider further actions to protect my rights. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts that are currently appearing on my credit report. The reporting of these accounts is a violation of the Fair Credit Reporting Act ( FCRA ) because the information is incomplete, inaccurate, and unauthorized. 

Please immediately investigate and remove or correct these items : 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  Collection Loan by Phone Amount : {$310.00} Account Number : Not Provided/ Not Listed XXXX XXXX XXXX XXXX XXXX {$750.00} Account Number : Not Provided/ Not Listed The information being reported regarding these accounts is not only inaccurate and incomplete, but its continued reporting is also unauthorized. I am asserting my rights under the FCRA and requesting that you : Conduct a reinvestigation of each disputed account. 
Remove or correct all inaccurate, incomplete, or unverified information. 
Provide me with written confirmation of your findings and an updated copy of my credit report. 
Furthermore, I am aware of multiple legal cases and regulatory actions that have addressed similar violations of consumer rights, including but not limited to : XXXXXXXX XXXX XXXX : Reporting outdated debts and failure to remove them. 
FTC XXXX XXXX : Settlement over deceptive marketing practices related to credit scores and monitoring. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : Mixed file reporting of debts belonging to another consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Class action related to public record inaccuracies and failure to update records. 
XXXXXXXX XXXX  Experian Information Solutions XXXX : Reporting inaccurate information and failing to conduct proper reinvestigation. 
These examples underscore the importance of compliance with federal law and the necessity for you to ensure my credit report is accurate and fair. 
Please complete your reinvestigation within the timeframe prescribed by the FCRA and send me written confirmation of your results. If you fail to correct or remove this information, I will consider further actions to protect my rights. 

Thank you for your prompt attention to this matter.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I opened a paypal personal account mid 2023 at the time of opening said account and having it for a month or two I decided to go through the additional verification process in order to use the cryptocurrency hub service that they provided which in tailed uploading ID verification social security card as well as banking information. I was approved so i began using the service as intended depositing money from my bank account and purchasing cryptocurrency and sending it to other external wallets that Me and My husband own. The issue arose when my balance wouldnt update i called and called theres no issue yet my i cant transfer crypto from my wallet i still hold a very substantial balance i have transaction receipts proves/ identifies what my wallet address is within there ecosystem want my money. I violated no terms of service my account holds a significant balance in the allowed cryptocurrencies customers are allow to buy, sell or HOLD. Paypal customer service refuses to acknowledge that i have the right to send crypto or receive using my first initial wallet address if i so choose or request/generate a new one for every transaction. Every crypto transaction is simple sender receiver amount TRANSACTION IDENTIFICATION NUMBER for tracking and verification purposes. My husband earned every dollar in that account and for paypal to betray our trust and allow our account to be compromised and then remain in a compromised state because of there poor customer support, lack of employee training and proper protocols. Our family went homeless because of there purposeful neglect and willful ignorance.!! I will provide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
XX/XX/year> I previously notified said bureau that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I enclosed a copy of my FTCIdentity Theft Report. Because the information being reported is the result of identity theft, and inaccurate. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explained responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

XX/XX/year> I have not seen an update, only my credit suffering further.

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 2025-07-01 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-01 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-01 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:
Good day, I am submitting a complaint to inform you that I have fallen XXXX to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX, KY, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple fraudulent accounts were opened using my personal information without my authorization. I first discovered the identity theft in XX/XX/XXXX after reviewing my credit report and noticing unfamiliar accounts and charges. 

A credit card account was fraudulently opened with XXXX XXXX XXXX in XX/XX/XXXX, with a balance of {$6800.00}. A second account was opened with XXXX XXXX  XXXX in XX/XX/XXXX, showing a balance of {$440.00}. In addition, fraudulent auto loan and lease accounts were created with XXXX XXXX XXXX ( opened in XX/XX/XXXX for {$290.00} ) and SYNCB Care Credit ( opened in XX/XX/XXXX for {$600.00} ). 

I did not open, authorize, or benefit from any of these accounts. As soon as I became aware of the activity, I filed this identity theft report with the FTC, contacted the credit reporting agencies, and began taking steps to secure my identity and dispute the fraudulent charges. 

This situation has caused me financial and emotional hardship, and I am requesting assistance in blocking and removing these accounts from my credit report and ensuring no further harm is done.

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 2025-07-01 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-01 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-01 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1988, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report XXXX 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I am the victim of identity theft, and to request the immediate blocking of fraudulent information appearing in my credit report maintained by TransUnion, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. 
The following accounts were fraudulently opened and do not belong to me : Account Name : XXXX, XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX  Dispute Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation