vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-05 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
The collection account was added to my credit file without any prior communication, demand for payment, or opportunity to resolve the matter. This violates FDCPA 809 ( a ), which mandates a written notice within five days of the initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year 2025 all received a text form CBE group saying debt collection for a XXXX balance ( i haven't used XXXX to make a purchases or make a sale ) i have no account to my knowledge with them. creditor is XXXX the balance is for {$98.00} today i made a call and he said he would put a hold to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Texas XXXX SSN : XXXX XXXX : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card XXXX this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ).

I Am Now Demanding the Following Actions : 1.Immediate deletion of the inaccurate address from my credit file 2.An updated and corrected copy of my credit report 3.Written confirmation of the steps taken to resolve this dispute and correct my file. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX Coast Hwy # XXXX, XXXX XXXX, CA, 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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
I am a XXXX citizen currently living abroad as a permanent resident of XXXX. I have not lived in Michigan since childhood, but my former mailing address remains at a relatives home there. In XX/XX/year>, XXXX XXXX XXXX attempted to serve me with legal papers at that Michigan address. I called them directly and explained that I do not reside there and requested all future contact be directed to my email. Despite this, they have continued to attempt service at that location during each of my brief visits to the U.S. including attempts timed immediately before or after my departure suggesting they may be tracking my travel.

These repeated service attempts at a location I clearly identified as not my residence appear to be an effort to improperly establish jurisdiction in a state where I do not live, work, or do business. I believe they are attempting to force legal action in XXXX to obtain a judgment through misleading service, which I intend to challenge. 

I have also expressed that their contact with relatives at this address is unwanted and inappropriate. The debt in question ( a XXXX account ) was not opened in Michigan, and I have no ties to the state other than it being a former mailing address. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding jurisdiction, third-party contact, and harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I submitted a claim on XX/XX/XXXX about this matter the company responded to cfpb and stated they was closing it and will remove it from my account the end of the current month of XXXX. Then the company tell me they didnt say they the account was closed in there office and they would stop reporting this in accurate information that is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to file a formal complaint regarding several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent. I did not apply for credit with the companies listed, nor did I authorize them to access my credit file. 

I believe these inquiries are negatively affecting my credit score and may be due to identity theft or improper use of my personal information. I have contacted the credit bureaus to dispute the entries and request their removal but am seeking further assistance from your office to ensure this matter is fully investigated and resolved. 

Please help me ensure my consumer rights are protected and these unauthorized inquiries are removed from my credit file. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/2004 Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : 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 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has proof for years through my XXXX. I am not responsible for my XXXX XXXX house or mortgage debt. I have sent proof of Civil Action number XXXX. Out of 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 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has proof for years through my XXXX I am not responsible for my XXXX XXXX  house or mortgage debt. I have sent proof of Civil Action number XXXX. Out of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX MORTGAGE has proof for years through my XXXX. I am not responsible for my XXXX XXXX house or mortgage debt. I have sent proof of Civil Action number XXXX. Out of 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 non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple inaccurate and unverifiable items on my credit report. Ive already submitted a formal dispute and Experian has failed to properly investigate the accounts or inquiries in question. 

Specifically : XXXX XXXX XXXX is reporting as a collection without validation or proof of contract. 
XXXX XXXX shows a charge-off with inaccurate and inconsistent reporting. 
XXXX XXXX is reporting late payments that are not valid. 
There are multiple unauthorized hard inquiries ( including Ally Financial, XXXX XXXX XXXX, and XXXX XXXX ) that I never approved and which did not result in a credit relationship violating FCRA 604. 

Experian has failed to provide proper validation under FCRA 609 ( a ) ( 1 ) or conduct a reasonable reinvestigation under FCRA 611. I am requesting that these items be removed immediately.

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 2025-06-06 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:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

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 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had done XXXX operation in XX/XX/XXXX and I had enrolled for a interest free charge credit card as suggested by the provider. I had done the auto payment on in late XXXX. Initially I was paying the amount. So when we login to the CareCredit app they gave you the option to pay the minimum payment. They never gave you the option to pay the amount that was supposed to be paid in time that is {$160.00} in this case. {$4000.00} was the total amount and divided by 24 months so {$160.00} Firstly like every other credit card they should have given the option to pay the XXXX XXXX the minimum payment and the whole amount that is {$4000.00}. My car pay and all the other credit card works the same way that if I turn the autopay on they are taking out the money they are supposed to and not the minimum payment. And if XXXX turning the auto payment on which means Im not concerned about the payment and they should take out the money they are supposed to. I never gave the consent to take out the minimum payment. So why only the minimum payment was taken out? So in XX/XX/XXXX my promotion ended and they charged me 32 % interest for 2 years which sums upto {$2200.00}. Apart from all this since mid XXXX I have been talking to so many of their customer representatives and its very frustrating because they keep transferring the call and at XXXX point they put you on hold for XXXX minutes and then disconnect the call. Sometimes after this long wait nobody speaks at their end. Please see in proof the amount of times I have called the customer representatives team and I didnt got any help. This is so frustrating and its affecting my mental health. Also when the promotion was ending they only put it in the statement in just XXXX box. They never sent an email. They only used to send an email every month to give the mimimum payment due. There atleast has to be some communication like an email or call to say about the promotion ending. Their statements too didnt mentioned about the {$160.00} anywhere. The number which I was supposed to pay never appeared anywhere. They even charge you for paper statement hence I enrolled in the paperless statement. There is an lawsuit against them as well and Im putting a screenshot of that blog. My intentions were never wrong and I really want to get done with this CareCredit.

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 monetary relief
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
TransUnion is reporting a XXXX XXXX personal loan account with a charged-off balance that was included in bankruptcy. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This account was furnished without identity verification or proper authorization. XXXX  failed to comply with FCRA 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). This data is inaccurate and must be deleted under identity theft provisions.

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 2025-06-05 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: NE

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
Despite assurances from the credit agency, unauthorized credit inquiries remain on my report. These entries are affecting my score, raising identity theft concerns, and adding unnecessary stress to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting a credit card account with a balance of {$2400.00} that was charged off and marked as included in bankruptcy. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This account is being furnished without proper identity verification, consent, or confirmation of accuracy. The furnisher did not validate the data before reporting it and has continued publishing harmful and outdated information. This violates FCRA 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). I am disputing this item as identity theftrelated and demanding its removal.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of Identity Theft and have notified the creditor as well as the credit reporting agencies. I have provided police reports as well as FTC ID Theft reports. The creditor, Discover has failed to provide me XXXX piece of documentation to validate that these accounts. Discover has been notified on multiple occasions that these accounts were fraudulently obtained using my information. The credit reporting agencies have removed the fraudulent accounts with my police report, yet Discover continues to readd them to my credit report despite thoroughly doing an investigation or providing my sufficient documents to validate that I opened and authorized these accounts. The accounts are closed and written off and have been written off for the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
XXXX XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of inaccurate addresses and phone numbers in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inaccurate addresses and inaccurate phone numbers. The correct address that should be reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. The correct phone number is XXXX. I do not recognize the aforementioned addresses or phone numbers as 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 2025-06-05 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: CA

Complaint narrative:
Urgent Request for Review Account Deactivation and Unrecognized Transactions Dear PayPal XXXX XXXX, I am writing to formally express concern regarding the recent deactivation or restriction of my PayPal account on XX/XX/year>, which occurred without clear communication or transparent reasoning. To date, I have not received a full explanation as to why my account access has been permanently limited, and I believe this action may have been taken in error or without sufficient investigation. 

Upon logging into my account, I noticed XXXX unauthorized transactions. I do not recognize the transactions in question. I did not authorize this payment, and I have not received any prior communication asking for verification or confirmation from my side. 

I am deeply concerned that my account has been flagged due to suspicious or potentially fraudulent activity outside of my control. I rely on PayPal for legitimate transactions and the sudden deactivation has caused significant disruption. I have always intended to use PayPal in accordance with its policies and have no history of violations or misuse. 

I am respectfully requesting the following : A detailed explanation of the reason my account was deactivated or restricted A full review of the disputed transaction and any associated activity Restoration of my account access once my identity and security have been confirmed I would appreciate if this matter could be escalated to a supervisor or XXXX XXXXXXXX for timely review.

Company response to consumer: Closed with explanation