vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A fraudulent scam person has all my personal info and now I can't access any of my credit reports. Complaint against him has been filed with FBI and XXXX XXXX XXXX He also scammed me out of {$2000.00}. His name is XXXX XXXX and business is XXXX XXXX XXXXXXXX XXXX XXXXXXXX out of XXXXXXXX XXXX. He has a you tube channel : XXXX XXXX XXXX XXXX. He is also sending people forged and fraudulent business documents.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fraudulent scam person has all my personal info and now I can't access any of my credit reports. Complaint against him has been filed with FBI and XXXX XXXX XXXX He also scammed me out of {$2000.00}. His name is XXXX XXXX and business is XXXX XXXX XXXXXXXX XXXX XXXXXXXX out of XXXXXXXX XXXX. He has a you tube channel : XXXX XXXX XXXX XXXX. He is also sending people forged and fraudulent business documents.

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 2025-05-15 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-15 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: CT

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went to view my Venmo credit card on the app and I noticed that it wasnt showing up in the section its supposed to I called to see what was going on to get it corrected and I was told that my card was closed that it is tied to synchrony bank and they chose at their discretion to close my credit card. I have had this card for over four years and I have never had a late payment or any issues with them And have used XXXX for quite some time. They chose to close my account just a couple days after I paid off the balance as well this seems very dishonest, and it is disappointing that after my loyalty to them after all these years and they have chosen to do this to me, with no notice and it seems that it was completed at a very dishonest time. I spoke to a representative and asked if there was someone I could speak to to reconsider this decision. I was told that it was automated and that even if he transferred me to a manager, the answer would still be no they said that it is a decision made by synchrony and its out of his hands and he refused to transfer me to a supervisor. I stated that this will hurt my credit report since you forcibly closed my account that was in good standing for over 4 years.

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 2025-05-15 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information reported by Equifax regarding my XXXX XXXX XXXX  XXXX. The inconsistencies between Equifax and XXXX  reports include : - Different update dates : Equifax reports the last update as XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. 
- Payment status : Equifax marks a 30-day delinquency, whereas TransUnion does not. 
- Delinquency history : Equifax shows missed payments in XX/XX/XXXX and XX/XX/XXXX that do not appear in XXXX. 

I detailed the inconsistencies and demanded correction within four business days, pursuant to the Fair Credit Reporting Act, Section 605B, within four business days. Please make sure to read this letter and process my request promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out because theres a credit inquiry on my report that I did not authorize. It was done online without my knowledge or consent, and I want to be absolutely clear : this is fraudulent.

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 2025-05-15 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-15 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: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts and personal information that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts & personal information in question are as follows : 1. Creditor Name : XXXX XXXX Account Number : XXXX Date Opened XX/XX/year> Balance : {$1400.00} 2. XXXX XXXX XXXX XXXX, NY XXXX 3. XXXX XXXX XXXX, NY XXXX 4. XXXX XXXX XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. 

As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.A FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

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 2025-05-15 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: CA

Complaint narrative:
Since XX/XX/year>, I have experienced at least three separate data breaches that exposed my sensitive personal information. As a result, Ive been severely impacted by multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts, inquiries, and negative activity tied to my name that I did not authorize or initiate. 

These companies have reported new accounts or collections on my credit profile, despite my repeated disputes and warnings that the data they are using may be tied to identity theft or unauthorized access. Ive never knowingly opened accounts with some of them, and for others, I had no idea accounts were being created or altered under my name.

Ive taken several steps to protect myselfsubmitting disputes directly to the credit bureaus, freezing my credit, and reaching out to these companies for clarity. Despite that, I continue to be held responsible for debt and activity I do not recognize. My efforts to get a clear response or resolution from these creditors have been ignored or brushed off with vague explanations or verified statuses that make no sense given my situation.

At this point, I do not know which accounts are legitimate and which are fraudulent. Im requesting that these companies stop reporting until they can definitively prove I authorized these accounts. I feel Ive been taken advantage of due to these breaches, and I urgently need the CFPB to intervene and assist in resolving these serious credit inaccuracies.

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 2025-05-15 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:
Since XX/XX/year>, I have experienced at least three separate data breaches that exposed my sensitive personal information. As a result, Ive been severely impacted by multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts, inquiries, and negative activity tied to my name that I did not authorize or initiate. 

These companies have reported new accounts or collections on my credit profile, despite my repeated disputes and warnings that the data they are using may be tied to identity theft or unauthorized access. Ive never knowingly opened accounts with some of them, and for others, I had no idea accounts were being created or altered under my name.

Ive taken several steps to protect myselfsubmitting disputes directly to the credit bureaus, freezing my credit, and reaching out to these companies for clarity. Despite that, I continue to be held responsible for debt and activity I do not recognize. My efforts to get a clear response or resolution from these creditors have been ignored or brushed off with vague explanations or verified statuses that make no sense given my situation.

At this point, I do not know which accounts are legitimate and which are fraudulent. Im requesting that these companies stop reporting until they can definitively prove I authorized these accounts. I feel Ive been taken advantage of due to these breaches, and I urgently need the CFPB to intervene and assist in resolving these serious credit inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I'm requesting confirmation that all data associated with this account is fully and exclusively mine. Please certify this clearly and directly.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CT

Complaint narrative:
im looking into my credit report and theres wrong information on there from a missouri higher education loan i do not recall this account that's reporting non payment onto the credit report. It should be Mohela i would love for this to be investigated as it is putting wrong infomation onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-05-15 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: GA

Complaint narrative:
I keep receiving calls about a debt you claim I owe in connection with XXXX. I have received multiple calls from your company regarding this matter. 

Upon investigating the account in question, I found that it was allegedly opened while I was a XXXX. I have no recollection of creating such an account, nor did I authorize anyone to do so on my behalf. Therefore, I believe this account was opened fraudulently and without my consent. 

I have previously dealt with a similar situation involving another debt collector based in Ohio, XXXX, also regarding a XXXX account that contained forged and incorrect information from when I was XXXX. That matter was ultimately acknowledged as invalid. 

The debt is indeed related to a fraudulent account opened while I was a minor, I expect you to cease all collection attempts and remove any related information from any credit reports, if applicable. 

It says the account was opened XX/XX/year> when I was XXXX XXXX XXXX. Looks like the reference number is XXXX. 

Please cease all phone communication and contact me in writing or via email only. You are harassing me. If you continue to pursue this debt without verifying its validity, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation