vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple inquiries that have been improperly reported by the credit bureau 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 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized 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 inquiries 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. The credit bureaus have 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. 2. Furthermore, 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 ). The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized inquiries on my consumer report providing me the opportunity to dispute the validity of this date 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute a negative item that is currently appearing on my Experian credit report. The account in question is listed under XXXXXXXX XXXX XXXX 

Upon noticing this negative entry, I contacted XXXX XXXX directly to inquire about the status of the account. Their representative informed me that the negative reporting is inaccurate and confirmed that my account currently has a XXXX balance. 

Given that this information is incorrect, I am requesting an immediate investigation and removal of the negative item from my Experian credit report. 

Please let me know what further information or documentation you need from me to support this dispute. I would appreciate your assistance in resolving this matter promptly. 

Thank you for your time and support.

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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Subject : Complaint Regarding Sunrise Credit Services Failure to Provide Debt Validation Notice To Whom It May Concern, I am filing a formal complaint against Sunrise Credit Services, which reported a collection account on my credit report without providing the required validation notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). 

On or around XX/XX/scrub>XXXX XXXX XXXX  a collection account from Sunrise Credit Services appeared on my credit report. However, I have never received any written communication or validation notice from the company prior to or after this reporting. There has been no contact via mail or any other method explaining the nature or details of the debt. 

As outlined by federal law, debt collectors are required to send a written notice within five days of initial communication detailing : The amount of the alleged debt The name of the original creditor My right to dispute the debt within 30 days and request validation Because Sunrise Credit Services failed to meet this requirement, I have been denied my legal right to dispute and verify the legitimacy of this debt. Their actions represent a clear violation of federal consumer protection laws. 

Requested Resolution : I respectfully request that the CFPB investigate this matter If Sunrise Credit Services can not provide documented evidence of a properly delivered validation notice, I request that the collection account be removed from all credit bureaus immediately I also ask that appropriate regulatory action be considered against the agency for their failure to comply with the FDCPA Attached is a copy of my credit report showing Sunrise Credit Services as the reporting agency. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I don't know this company. I have never received notice about sending anything to collections. 
I sent the validation letter to this company second time. I have not received any answers to my request to provide the documents. my name is XXXX, not XXXX. 
I ll attach the validation letter. 
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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Filed for bankruptcy and notified them of the case # and my attorney as well as asked them to cease collection efforts and stop all communications. They choose to ignore this and continue despite being under an automatic stay that prohibits them from attempting to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
This is one of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance {$2200.00} XXXX XXXX XXXX * * * * Balance {$1200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX * * * Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b'18 march 2023 the devices was me room hotel but this nigth i was injury hospita en redlands the wife me friend she reciobio unos text de su husband infra respetuos de su vida ..no puedo proporcionar todo por internet pero envare una copy screeen shoot del os mensage q se usaron que el app venmo para difamar esta persona perjudicando ala familia a la esposa pricipalmente emocional economicamente, claro tambien asu hijos una  estabilidad que  no puedo pensar, puede ser traumatica para ambos, he visto la tristeza de el la rabia contra mi y no lo culpo todo se hace ver culpable pero no como danar la persona q me ayudo mi depresiojn me dio su confianza toda via 1er persona que lleva asu casa y yo hacerle eso jamas el no save que para mi es un hermano ,amigo etc como me ponga , pero si lo quiero mucho lo amo,igual un hermano, aparte tienen amy baby panchito un gatito ,su familia dam no puedo explicar es famiia para my.. yo tengo mucha gente envidiosa, y mal que me quiere ser dano y lo lograron dando me donde mas me duele y se lo adverti a el. pero no me creen por que ya me lo habian echo pero no culpo nadien mas que yo por no tener valor que me hagarra la police ese dia, no fuera pasado nada.. pero exigo una gratificacion or demanda segura para venmo por se uso como fuente danar con dolo y afectando una familia como todas pero fue su mente afectada por mi culpa.. y estoy tomando carta asunto hay un cargos foliado con la pokice riverside, indio, redlands. lancaster , no save esta persona pero todo a favor de su familia yono espero nada por que en otra se uso venmo app pero con el nombre de Aaron saavedra y el fallecio year ago tambien como unico yo tengo derecchos estuve casado legalmente puedo manegar sus cuentas banco etc por hay un contrato de casamiento todo pasa al conyuge. por que ni la herencia he cobrado mas$45000 no me imprta dinero se perdio una vida alguien para mi es mas $ pero para ellos si pido que se le gratifique que yo cuando cobre la herencia los gratificare mas por  que selo prometi le dije  sus hijos jams le va faltar nada y panchito hereda $$ y usteds son lo q reciben lo q se acordo es una sorpresa pero por si pregunta irs. ya me tienen hasta la m..10 de mayo tambien trtater e arreglar todo menos 30 dias ,,por  please puedo mas informacio n esta forma aplicada y tengo 1022 de los 11 jacpots ganados y me quitaron 30porciento actual mas o menos $16890 taxes sera regresados solo el ano q fallecio me faamila ahy se fueron los jacpots pagar su santa sepultura..  es la verdd'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple late payment entries that appear on my credit report for an account reported by multiple companies. These entries do not accurately reflect my payment history and may be the result of a reporting error or system issue. 

I have always prioritized maintaining good standing with my financial obligations, and I was surprised to see these late payments listed. I was not made aware of any missed payments at the time, nor did I receive any notices or communications indicating that my account was past due. 

Under the Fair Credit Reporting Act, all information reported on consumer credit files must be accurate and verifiable. I respectfully request that these late payment entries be investigated. If they can not be verified with complete accuracy by the original creditor, I ask that they be removed from my report. 

Please update the status of this account accordingly and notify me once the investigation is complete. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple late payment entries that appear on my credit report for an account reported by multiple companies. These entries do not accurately reflect my payment history and may be the result of a reporting error or system issue. 

I have always prioritized maintaining good standing with my financial obligations, and I was surprised to see these late payments listed. I was not made aware of any missed payments at the time, nor did I receive any notices or communications indicating that my account was past due. 

Under the Fair Credit Reporting Act, all information reported on consumer credit files must be accurate and verifiable. I respectfully request that these late payment entries be investigated. If they can not be verified with complete accuracy by the original creditor, I ask that they be removed from my report. 

Please update the status of this account accordingly and notify me once the investigation is complete. 

Thank you for your time and 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 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year>, I submitted a cancellation and refund request to XXXX XXXX XXXX XXXXor a service I never used or accessed. I followed up multiple times with no response. I filed a dispute with Affirm, but they denied it, stating the merchant provided compelling evidence with no explanation. The only basis was that the product was received, which was never my dispute. XXXX now being held responsible for {$1100.00} for a service I cancelled and never used. Affirm has failed to provide any transparency or proper dispute resolution. XXXX requesting the charge be reversed and not reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax deliberately does not allow consumers to access updated credit reports online anytime that a consumer has adverse action such as denied credit, denied employment/housing because of credit, etc. When you request an online copy of a credit report, Equifax only shows an outdated copy. Equifax does not give an option to request an updated report that is required to be free if the consumer is subject to adverse action due to their credit report. Consumers are allowed up to 1 updated free credit report for every time they are subject to adverse action ( not just an annual one ). Equifax does not allow this and thus is in violation of Federal and California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 was just looking at my credit report and found some errors relating to my payment history on some accounts, and unauthorized inquiries. I have outlined the following incorrect account information : Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXXXXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2025-04-16 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:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER late and send me a copy of my updated credit report.

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