vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After a recent review of my credit report, I noticed a fraudulent account on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trading securities on my behalf and reporting inaccurate information my credit reports without mu permission or knowledge or consent. Please remove the fraudulant account from my credit report. it is tarnishing my creditworthiness and crippling my ability to obtain credit. I have also attached a picture of my ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
To Whom It May Concern, I am requesting the removal of the following account from my credit report under 15 U.S.C. 1681c-2 This account is inaccurate and/or unverifiable. Under the FCRA, you are required to investigate and remove any such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
To Whom It May Concern, I am requesting the removal of the following account from my credit report under 15 U.S.C. 1681c-2 This account is inaccurate and/or unverifiable. Under the FCRA, you are required to investigate and remove any such 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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
2 fraudulent transactions paid by VENMO and then billed to my VENMO ACCOUNT I have mailed a payment for {$32.00} and sent certified mail details to VENMO customer service. 

VENMO WILL NOT PROVIDE A CUSTOMER SERVICE CONTACT PHONE NUMBER TO ADDRESS THIS ISSUE SINCE XX/XX/year> I have mailed a payment and requested VENMO account under my name be closed PERMANENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I received a text message at XXXX XXXX  on XXXX  XX/XX/2025 from XXXX stating : XXXX, XXXX please contact Caine & Weiner, a debt collector about Progressive  at XXXX or visit XXXX. RE : # [ RETRACTED ] STOP=END I have no account with this company, nor Progressive, as well never signed up to receive text, email or SMS messages from Caine & Weiner ; including never received any prior communication including verification or the supposed debt they are attempting to collect. 

Blatant TCPA and FCC violation to message anyone after XXXX XXXX  and before XXXX, especially to message them, especially if the consumer never signed up to receive such messages from this company. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 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 XXXX 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this letter as a formal complaint and demand for immediate action under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have disputed this account multiple times with all three major credit bureausTransUnion, Experian, and XXXX yet this inaccurate, outdated, and inconsistent information continues to be reported on my credit profile. 

Here are the critical issues : Inconsistent Data : Experian reports the account as a XXXX installment account, which is illogical and unverifiable. 

TransUnion and Equifax report it as an XXXX Account, yet no revolving terms are listed. 

Statuses differ between bureaus, which constitutes reporting inconsistency and negligence on behalf of the data furnisher. 

Re-aged Account : XXXX on XXXX data, the true last activity was XX/XX/year>. Any reporting past XXXX  years from that date is in violation of the FCRA Section 605 ( a ). 

Lack of Verification : I have never received proper documentation or validation of this debt, even after multiple disputes. This violates FCRA 611 and FDCPA 809.

This erroneous reporting is causing significant harm to my creditworthiness and is a clear example of continued negligent and willful reporting of inaccurate information. 

I am formally requesting the immediate removal of this account from all three credit bureaus due to its inaccuracy, outdated status, and failure to meet federal reporting requirements. 

If this matter is not resolved within XXXX  days, I will be filing a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I am also prepared to seek legal counsel for failure to comply with federal credit reporting laws and for the emotional and financial distress caused by this negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this letter as a formal complaint and demand for immediate action under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have disputed this account multiple times with all three major credit bureausTransUnion, Experian, and XXXX yet this inaccurate, outdated, and inconsistent information continues to be reported on my credit profile. 

Here are the critical issues : Inconsistent Data : Experian reports the account as a XXXX installment account, which is illogical and unverifiable. 

TransUnion and Equifax report it as an XXXX Account, yet no revolving terms are listed. 

Statuses differ between bureaus, which constitutes reporting inconsistency and negligence on behalf of the data furnisher. 

Re-aged Account : XXXX on XXXX data, the true last activity was XX/XX/year>. Any reporting past XXXX  years from that date is in violation of the FCRA Section 605 ( a ). 

Lack of Verification : I have never received proper documentation or validation of this debt, even after multiple disputes. This violates FCRA 611 and FDCPA 809.

This erroneous reporting is causing significant harm to my creditworthiness and is a clear example of continued negligent and willful reporting of inaccurate information. 

I am formally requesting the immediate removal of this account from all three credit bureaus due to its inaccuracy, outdated status, and failure to meet federal reporting requirements. 

If this matter is not resolved within XXXX  days, I will be filing a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I am also prepared to seek legal counsel for failure to comply with federal credit reporting laws and for the emotional and financial distress caused by this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

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 XXXX XXXX do not refute my complaint by stating that 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 2025-04-17 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If the information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Grounds for Dispute : XXXX. Inaccurate and Incomplete Reporting Violation of FCRA 1681e ( b ) The FCRA mandates that credit reporting agencies must ensure maximum possible accuracy of the information reported. The account in question has been listed as a charge-off without proper supporting documentation or verification from the original creditor. Additionally, I was never issued a 1099-C ( Cancellation of Debt form ), which is required by the IRS when XXXX creditor cancels a debt of {$600.00} or more. 
2. Charge-Offs as Canceled Debt Constituting Income Not Subject to Credit Reporting According to IRS Publication 4681 and 26 U.S. Code 61 ( a ) ( 12 ), once a debt is canceled, it may be considered taxable income to the consumer. If a creditor writes off the debt and does not intend to collect, it is required to issue a 1099-C. Once this happens, the debt is no longer a liabilityit is income. However, income can not be reported on a credit report as debt, as it no longer represents a financial obligation.

Therefore, without issuance of a 1099-C and proper notification, the continued reporting of this charge-off as a derogatory debt is misleading, incomplete, and potentially a form of double jeopardyboth taxing and penalizing the consumer for the same item. 
3. Failure to Notify Violation of IRS & FCRA Requirements The Internal Revenue Code requires that a 1099-C form be sent to both the IRS and the debtor. I never received such documentation. This failure to comply with tax law and reporting requirements means that the validity of this charge-off is seriously in question, and it should be removed from my credit file under the FCRA due to inaccurate reporting.

4. Unverified or Obsolete Account FCRA 611 ( a ) ( 5 ) I request an immediate investigation into this item. If the creditor can not verify the charge-off with complete and accurate documentation, it must be deleted. If verification is not completed within XXXX days, the item must be removed, per FCRA 611 ( a ) ( 1 ) ( A ).

Formal Request : Under FCRA 611, I request the following actions : A full reinvestigation of the charge-off account listed above and non bias investigation ( must show proof of non bias investigation, listing who was interviewed ) Written verification of the validity and legal basis of the reported item Update to paid as agreed if my credit report if verification can not be provided ( due to inaccuracy it is ground for deletion but may drop my score ) A copy of any documentation used to verify the accuracy of the account Please consider this letter a formal dispute under the FCRA. If the item is not removed or updated accurately, I will file a complaint with the Federal Trade Commission ( FTC ), and consider legal remedies under the FCRA and other applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
Let me be clear I never applied for anything with your company, nor did I give you permission to run my credit. This inquiry is unauthorized and should not be on my report, period. Under the Fair Credit Reporting Act, youre not allowed to access someones credit without their direct consent, which you absolutely do not have in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} AFFIRM XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} UPGRADE XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$6300.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit report is being negatively affected by information being shared by Transunion, Experian, and Equifax. There are multiple accounts with inaccurate information. This information on the following accounts listed below is in direct violation of FCRA Regulations and all inaccuracies must be removed immediately. It is my right as a consumer to ask these bureaus to investigate these and it is their duty to uphold that right. All information reported must be shared only with maximum accuracy, any small discrepancy and it is a violation of FCRA Regulations. Any bankruptcy reported must be investigated because public records arent reported from courts ; the furnisher of information not being accurately reported is false reporting which is again a violation of FCRA false reporting act Inaccurate Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Highest balance : {$410.00} XXXX XXXX XXXX XXXX : XXXX Date opened : XX/XX/XXXX Highest Balance : {$310.00} XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit report is being negatively affected by information being shared by Transunion, Experian, and Equifax. There are multiple accounts with inaccurate information. This information on the following accounts listed below is in direct violation of FCRA Regulations and all inaccuracies must be removed immediately. It is my right as a consumer to ask these bureaus to investigate these and it is their duty to uphold that right. All information reported must be shared only with maximum accuracy, any small discrepancy and it is a violation of FCRA Regulations. Any bankruptcy reported must be investigated because public records arent reported from courts ; the furnisher of information not being accurately reported is false reporting which is again a violation of FCRA false reporting act Inaccurate Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Highest balance : {$410.00} XXXX XXXX XXXX XXXX : XXXX Date opened : XX/XX/XXXX Highest Balance : {$310.00} XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief