vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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. This is do not refute my complaint by stating that XXXX XXXX I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-08 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: NY

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. This is do not refute my complaint by stating that XXXX XXXX I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There is account that was opened under my name without my knowledge from Synchrony for a Amzon store card on XXXX of XXXX I believe and I just found out about it about a month ago and I talk with the bank about abs they said dont worry we can figure out to get the account closed and get it off your report but that didn't happen and the bank is reversed the account and telling me Im the one who opened the account and I did not open no account with them and that someone is using my personal information. I really need help and to stop this.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This serves as my formal notice of dispute concerning a derogatory account being reported by XXXX XXXX to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX I believe this account, allegedly related to back child support, was established through a default judgment without my knowledge, consent, or due process. Accordingly, I assert that this account is inaccurate, unverifiable, and in violation of both my constitutional rights and federal consumer protection laws.

1. Violation of Due Process It is my position that the debt in question arises from an administrative or judicial order that was entered without proper notification or a fair opportunity to be heardthus constituting a denial of due process under the Fourteenth Amendment of the United States Constitution. I had no opportunity to contest or verify the accuracy of the alleged debt, and I never consented to the opening of such account ( s ).

2. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute any inaccurate, incomplete, or unverifiable information in my credit file. In particular : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their credit report.

* If the disputed account can not be verified, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates its deletion from the consumer 's file.

* Under 15 U.S.C. 1681n, any willful noncompliance with the FCRA subjects violators to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees.

Accordingly, I demand that this account be deleted immediately from my credit report due to its unverifiable nature and the lack of evidence substantiating its validity.

3. Withdrawal of Consent and Privacy Rights Pursuant to the Privacy Act of 1974 and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I hereby rescind any express or implied consent I may have previously grantedwhether verbal, written, or otherwisefor the collection, sharing, or dissemination of my personal information to any third party, including XXXX XXXX, by XXXX * Equifax XXXX Experian * TransUnion I demand that all dissemination or usage of my personal data for purposes relating to this disputed account cease immediately, and that all unauthorized disclosures be documented and disclosed to me. I request written confirmationthat my request has been processed, and that the disputed item has been deleted from my credit profile.

4. Conclusion and Demand This letter serves as a lawful notice under the FCRA and related federal statutes. Please conduct a full reinvestigation of the account in question. If verification can not be produced, as required by 15 U.S.C. 1681i, the item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I never gave XXXX any permission to furnish my non public personal information to XXXX XXXXXXXX or Equifax. This is identity theft and invasion of my privacy under the FCRA and XXXX XXXX XXXX act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I never gave XXXX any permission to furnish my non public personal information to XXXX Experian or XXXX. This is identity theft and invasion of my privacy under the FCRA and XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I used PayPal to pay {$6800.00} for an XXXX purchase through their Authenticity Guarantee program. The item was lost in XXXX custody and never delivered to me. XXXX confirmed that the item was misrouted and never authenticated it was mistakenly delivered to a random address in XXXX, CA, instead of reaching their XXXX XXXX, CA authentication center. 

I initially opened a dispute with PayPal but closed it temporarily because I still believed the item might arrive. Once it became clear that the item was permanently lost and XXXX admitted it was never delivered, I attempted to reopen the dispute under the correct category of Item Not Received. However, PayPal refused to reopen it under that reason and forced me to file it as " Item Not As Described, '' which does not accurately reflect the situation.

Because of PayPals refusal to process my claim under the proper dispute category, I am being denied the protection Im entitled to despite never receiving the item. As a result, I am being held responsible for a negative PayPal balance of {$6800.00} for a product that was entirely lost outside of my control. This has caused severe financial harm. 

I have been trying to resolve this issue for over a week, calling PayPal multiple times to request assistance and escalation, but I have received no resolution. 

I am requesting a full review of this dispute by PayPal under the correct category ( Item Not Received ), an immediate refund of the {$6800.00}, and full removal of the negative balance on my PayPal account. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX  Account number XXXX has violated my rights I 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a complete discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request an immediate cancellation and discharge of my student loan debt info as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third Parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally dispute several discrepancies I have identified in my credit report. These include inaccurate account details, incorrect personal information, and possible reporting errors that negatively impact my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to address the failure of Equifax, Experian, and TransUnion to properly investigate my disputes concerning inaccurate negative entries on my credit report. Despite repeated efforts to correct these errors, the credit bureaus have responded with delay tactics rather than conducting the thorough investigation required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate negative items have had a damaging impact on my credit score and have hindered my ability to obtain credit, leading to considerable stress and financial hardship.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to address the failure of Equifax, Experian, and TransUnion to properly investigate my disputes concerning inaccurate negative entries on my credit report. Despite repeated efforts to correct these errors, the credit bureaus have responded with delay tactics rather than conducting the thorough investigation required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate negative items have had a damaging impact on my credit score and have hindered my ability to obtain credit, leading to considerable stress and financial hardship.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these inquiries on my credit report and Ive asked the credit bureaus to remove many times and nothing has been 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TrueAccord Corp.
State: CA

Complaint narrative:
True Accord keeps harassing me w/ Text messages. I believe they got my information from XXXX XXXX or XXXX XXXX XXXX XXXX I'm tired of typing stop into the text message and having them not honor it. I've included a screenshot of their harassment. They send confusing texts trying to trick people into signing up with them. They say to keep your balance sign up with us. How does that make any sense. I don't have a contract or business connection to them at all. I have never seen a purchase agreement or any transfer documentation. I have not signed anything with them, so this is pure harassment from them.

A man in Ohio sued TrueAccord over text messages stating they were " appalled '' because " they can't send text messages if it's a debt collector. The consumer in this specific case settled for {$3500.00}. 
A class action lawsuit was filed in California against TrueAccord, alleging violations of the FDCPA and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). The BBB has received so many complaints about True Accord.

I have a Cease and Desist Letter in place against every debt collector and original creditor that has me on their list.

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I paid Jefferson Capital Systems in full on an XXXX collection and received a letter on XX/XX/year>, confirming they would request deletion from the credit bureaus within 30 days of payment. As of XX/XX/year>, the account is still showing as closed instead of being deleted on my XXXX report. This goes against the written agreement. Ive already disputed the account, and it remains. Im requesting that Jefferson Capital honor the deletion as promised and remove the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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. This is do not refute my complaint by stating that XXXX XXXX I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief