vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$33000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Company has already had XXXX times to verify no additional time should be granted especially after already having XXXX separate disputes and requesting correct information and failing. 

Instant action need to be taken.

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 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Im reporting that Venmo ( owned by PayPal , Inc. ) failed to issue a provisional credit for XXXX unauthorized transactions on my Venmo Debit Card, which is issued by XXXX XXXX XXXX, XXXX. 

Between XX/XX/XXXX and XX/XX/year>, someone made XXXX fraudulent charges to XXXX, each for {$25.00}, with one for {$27.00}. I did not authorize these charges and reported the fraud immediately through Venmos support channels.

I disabled my card, requested a Regulation XXXX fraud dispute, and explicitly requested a temporary ( provisional ) credit due to severe financial hardship : I am an active-duty military spouse We are relocating across the country Our rent was due XX/XX/XXXX, and we are leaving XX/XX/XXXX ( I realize this seems like a small amount but XXXX $ for a regular person like me is a lot and leaves me and my family at risk of loosing housing during this critical move ( happening tomorrow XX/XX/year>! ) Venmo confirmed the fraud, opened a dispute, and acknowledged their obligations under Regulation E. However, they refused to issue a temporary credit, stating only that they have 10 business days to complete the investigation. 

Regulation E does not prevent early credit it sets a maximum deadline. Venmo had the discretion to issue a credit earlier based on my emergency but chose not to. 

I am requesting CFPB intervention to ensure PayPal/Venmo : Issues a provisional credit without delay Completes the investigation in a timely and compliant manner Updates its policy to allow timely hardship-based exceptions when consumer harm is documented and imminent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: 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 unde

r 15 USC 1681. 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 XXXX 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 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 2025-05-11 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: EQUIFAX, 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 unde

r 15 USC 1681. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-11 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:
I am writing to complain of an issue regarding two fraudulent accounts on my credit report : Account balance {$3300.00} and Account balance {$6800.00}. These accounts are fraudulently reported as collection debtsI have no knowledge of them, never resided at the listed properties, and did not agree to these obligations, indicating potential identity theft or misattribution. 

XX/XX/XXXXUpdated FTC reportXX/XX/XXXXDate 's # 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 2025-05-11 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-05-11 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-05-11 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:
Summary of Complaint : This is my third formal dispute filed with Experian regarding serious violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 data furnishing standards, and the FDCPA where applicable. Despite properly submitted disputes, Experian closed each investigation within five days, which clearly violates FCRA -611 requiring a thorough reinvestigation. Multiple accounts continue to report inaccurate information, conflicting charge-off timelines, and false payment activity. Additionally, a fraudulent address remains on file despite multiple removal requests. 
Detailed Violations and Examples : XXXX XXXXXXXX XXXX : - Charged off in XXXX XXXX Still reports 30-180 day lates through XXXX XXXX Also reported as 'Over Credit Limit ' on XX/XX/year>, while already charged off.- Violation of Metro 2 charge-off status rules and FCRA -623 ( a ) ( 3 ), -1681e ( b ). 
XXXXXXXX XXXX XXXX : - Still shown as 'Open ' despite long delinquency chain.- Late payment history shown in XXXX XXXX Account was disputed on XX/XX/year>, but is not flagged as disputed. 
- Violates FCRA -623 and Metro 2 requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX  : - Charged off in XXXX XXXX Continues reporting monthly charge-off ( CO ) codes through XXXX XXXX Violates Metro 2 and FCRA -623 ( b ). 
XXXXXXXX XXXX : - Charged off XXXX XXXX Still reports late history through XXXX XXXX Violates Metro 2 guidelines on post-charge-off payment reporting. 
XXXX XXXX XXXX : - Collection accounts reported since XXXX and XXXX XXXX Validation requests sent with no supporting documentation returned.- Still reporting balances and collection activity monthly.- Violates FDCPA -809 ( b ) and FCRA -623 ( b ). 
XXXX XXXX : - Charge-off date was XXXX XXXX Still reporting CO each month through XXXX Validation letter signed for XX/XX/year>, but no change in reporting.- Violates Metro 2 and FCRA -623. 
Fraudulent Address : - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX I have never lived at this address. 
- Experian refuses to remove it citing association with an account.- Address format is malformed and duplicative.- Violates FCRA -605B ( e ) ( 1 ), -1681e ( b ), and Metro 2.

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 2025-05-11 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: OH

Complaint narrative:
Mt Name Is XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-11 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am noticing with experian as partner of XXXX XXXX that almost half my credit line of approx XXXX $ shows up. This puts me in a lower class wrongfully in terms of credit limits available. I have a family member and or family friend that is putting my credit info into some sort of parental system as a XXXX XXXX XXXX XXXX  all while seeing me on XXXX  control accounts on social media. I have every cellphone I own cloned in the same matter showing that offline set up shows me as a XXXX  in the XXXX  region. I believe and have very strong evidence to show I am the victim of a specific identity theft that serves the purpose of usery over an XXXX XXXX XXXX. I am watching just about everything be stolen from me administratively in an attempt to cover up my true accomplishments and identity.

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 2025-05-11 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 am writing to complain of an issue regarding two fraudulent accounts on my credit report : Account balance {$3300.00} and Account balance {$6800.00}. These accounts are fraudulently reported as collection debtsI have no knowledge of them, never resided at the listed properties, and did not agree to these obligations, indicating potential identity theft or misattribution. 

XXXX Updated FTC report XXXX XXXX Date 's # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Im sending in my identity documents that were missing from XXXX  disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I I opened a checking and savings account in the past which is active I went to try to use the overdraft protection on my account and it wouldn't allow me I was home by myself with no one to help me in my situation I went to the store to get something to eat but my overdraft protection I guess doesn't work so it was denied I called the bank and they gave me the runaround about I have to go to do something which would take a week I don't have a week to try to eat and I try to explain that to them but they were of no help.

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