vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 filing this complaint because I found inaccurate information on my credit report, which I reviewed through AnnualCreditReport.com. I submitted a formal dispute asking for a full reinvestigation of specific accounts and personal details, as allowed by the Fair Credit Reporting Act. I also requested the method of verification and full file disclosure, in line with 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

This is a clear and valid dispute. I am not looking for automated replies or generic letters. I personally wrote and submitted each dispute, including proper identification and supporting documents. Despite this, the inaccurate information is still being reported, and there is no sign that a proper investigation was done. 

Under the Fair Credit Reporting Act, the credit reporting agency is required to conduct a full and honest reinvestigation of the disputed item, covering all related detailsnot just the tradeline. I am requesting the CFPB 's help to ensure this matter is taken seriously and resolved properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I saw a credit card open on my account with a {$300.00} credit limit, but a {$0.00} balance that was not applied for by me. 

It was listed XXXX XXXX XXXX XXXXXXXX. account # XXXX opened XX/XX/year>XXXX  I XXXX  the name and it gave me a company called XXXX XXXX XXXX, XXXX I called the number, but I had to push report it lost or stolen because I had no credit card number. I gave the lady my Social Security number, she pulled up the card. I told her I never received this card. She stated you can not pay on this card anymore. I asked who opened this account, and she stated XXXX XXXX XXXX. I told her it was fraud and not mine. She hung up.

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 2025-05-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-14 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: SC

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Identity Theft Dispute Immediate Removal of Fraudulent Accounts and Inquiries To Whom It May Concern : I am writing to file a formal dispute and request the immediate removal of fraudulent accounts and inquiries placed on my credit file due to identity theft resulting from a data breach. My personal and financial information was compromised without my knowledge or consent. 

The following accounts and inquiries must be immediately removed as they are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  These accounts and any related inquiries are a result of fraudulent activity. I have never applied for or opened any accounts with these creditors. Additionally, I request that these accounts be blocked from future reporting and permanently deleted from my credit file. 

I have attached the following supporting documentation for your records : FTC Identity Theft Report Police Report According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, you are legally required to block and remove all fraudulent information from a consumers file once proper documentation of identity theft has been provided. I expect compliance with this legal obligation and request confirmation that the fraudulent items have been removed. 

Please provide written confirmation of your investigation results and the removal of these accounts and inquiries within the XXXX timeframe as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXXXX/XX/year>

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing a collection account reported by XXXX  / XXXX for XXXX XXXX  TX. The account appears on my credit report with inaccurate or unverified information. I have not received proper debt validation under the Fair Debt Collection Practices Act. Inconsistencies exist in the reporting, and the balance or agency information may be incorrect. I am requesting that this account be fully investigated and removed if it can not be verified and documented properly. This entry is harming my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to get myself a new credit card, but these XXXX  said Im not preapproved. Idk y, but I never used that account before. I am ashamed of these ppl for not approving me. They are unprofessional. it doesnt make any sense for not accepting me and I never used that account before, but I am ashamed of them. I want their lessons to be learned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$8400.00}

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 2025-05-14 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: IN

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX. Subsequently while reviewing my report I'm unfamiliar with several accounts. I have asked the CRA for validation of debt although ; the information has not been provided. 

I have attached the following documents due to exposure and submitted a FTC complaint in regards to reporting the information. 

XXXX DATA BREACH DOCUMENTATION XXXX SS CARD XXXX VALADATION LETTER XXXX  FTC REPORTS

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-14 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: Experian Information Solutions Inc.
State: FL

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 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NJ

Complaint narrative:
My student loan provider, Mohela, has placed my loan under administrative forbearance due to a federal court ruling. I received official communication stating that my loan interest would be set at XXXX XXXX during this forbearance. However, the credit bureau recently notified me that my account balance has increased due to accrued interest. As I'm currently pursuing student loan forgiveness due to a breach of privacy by XXXX, I request that the interest be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-14 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), yet they have proceeded to place : XXXX XXXX LL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
My XXXX account has been permanently auto restricted on XX/XX/year>2025, with no prior risk ( s ) on my account. This restriction has caused serious inconvenience since my account transaction history is nothing to none.

I was unable to take any actions on the limitation with the Reference ID : XXXX. It was automatically decided, which I am 100 % confident is done in an error. 

Please note that my account 's limitation with this Reference ID - XXXX was successfully validated with my DC issued driver 's license. No risks, no violations were detected. 

Please know as well, that the information on my ID i.e First, Middle, Last name, registered home address, D.O.B matches exactly the information on my PayPal account. 

I have tried resolving this issue with your customer support, but they refused to make any considerations.

To assist you people with clear investigation on this issue, with this complaint, I am sending you with my PHOTO ID, Selfie with ID, proof of address ( Bank statement ) for it to be resolved successfully.

Please know, I am eagerly awaiting your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I categorically deny any responsibility for the alleged debts reported

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 2025-05-14 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 categorically deny any responsibility for the alleged debts reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Account # : XXXX * * * * XXXXXXXX XXXX To Whom It May Concern, I am formally disputing inaccurate, inconsistent, and misleading payment history data being reported under the above-referenced account on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681 et seq., and Metro 2 Compliance Standards. Upon review of my credit report, I discovered that the payment history across TransUnion, Experian, and XXXX  is not only inconsistent but grossly inaccurate. As per Metro 2 guidelines, payment history must be uniform, verifiable, factual, and consistent across all reporting agencies. However, this account reflects conflicting late payment entries for the same months between bureausspecifically 30, 60, 90, and 120-day delinquencies that are not identically reported. This violates : FCRA 607 ( b ) : requiring maximum possible accuracy!

FCRA 611 : granting me the right to dispute any item and requiring you to conduct a reasonable investigation.

Metro 2 Field 17 ( Payment Rating ) and Field 24 ( Account History ) : mandating standardized and accurate month-by-month reporting.

The payment history discrepancies are damaging and misrepresent the true status of the account. You are reporting different delinquencies to different bureaus for the same periods, and that is deceptive, misleading, and not in compliance with federal law or Metro 2 standards.

I demand that you : 1. Immediately conduct a thorough reinvestigation under FCRA 611. 
XXXX. XXXX XXXXXXXX XXXX to provide a full and verified account history with consistent data across all bureaus. 
XXXX. Delete any unverifiable or inconsistent payment history entries. 
XXXX. Provide me with a written response and updated report reflecting the corrected information. 
If you fail to properly investigate and correct or remove this erroneous reporting, I will not hesitate to escalate this matter through a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and, if necessary, pursue legal remedies. 
This letter serves as a formal notice to rectify this issue. Please complete your Reinvestigation within the 30-day window as required by law. 
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