vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX ________________________________________ To Whom It May Concern : I am writing to request a credit freeze ( also known as a security freeze ) be placed on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please take the necessary steps to ensure that no creditor, lender, or third party may access my credit file without my direct authorization.

________________________________________ Personal Information for Verification : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX ________________________________________ Required Action : 1. Place a credit freeze on my file immediately.

2. Send written confirmation that the freeze has been applied, including instructions for how I may temporarily lift or permanently remove the freeze if needed in the future.

________________________________________ Notice : Failure to comply with this request may result in enforcement action through the Consumer Financial Protection Bureau ( CFPB ) or my State Attorney Generals Office.

Thank you for your prompt attention to this matter. 
________________________________________ Sincerely, 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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b"UNAUTHORIZED TRANSACTIONS OF XXXX  PAYPAL INC. ONLINE IDENTITY THEFT\n\nMy paypal account was compromised twice this round there were unauthorized information information added to the account below which do not belong to me. \n\n\naddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit card : XXXX XXXX XXXX XXXX XXXXAttached shows XXXX  transactions adding to XXXX which were fraudlently taken from my paypal balance between XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount was inititated with the original email XXXX which they gained accessed and disabled notifications hence I was not aware of these transactions at first. \nUpon checking on denial of payment I logged into the account and learned about these transactions late XXXX XXXXNote I do NOT have a XXXX  account. and there are transactions for and from XXXX."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611. The following account is being reported incorrectly : - Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX - Reported Status : Paid charge off According to my records and the FCRA guidelines, this account is being reported inaccurately for the following reason ( s ) : The charge-off date and/or reporting does not comply with the FCRA 180-day rule. Under the FCRA, the seven-year reporting period begins 180 days after the initial delinquency date, not from any later activity or incorrect date.

Continuously reporting a charge off after the 180 days of delinquency is illegal, that means the creditor is re-aging the account Under FCRA Section 611, I request that you block and cease reporting this inaccurate information. If the furnisher can not verify the accuracy of this account, you are required by law to delete it and prevent reinsertion without proper certification.

Enclosed are copies of supporting documents, including : - A copy of my credit report with the disputed item highlighted - Proof of identity ( drivers license, social security card and bank statement ) Please confirm in writing that you have received this dispute and provide the results of your reinvestigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and XXXX has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and XXXX has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : TRANSUNION : Account Name : XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$1600.00} This account is incorrectly reporting late payment history. Specifically, my credit file reflects XXXX-day late payment entries ( for example, XX/XX/XXXX and XX/XX/XXXX ), which are not accurate. The attached payment history documentation shows inconsistencies where other reports list this account as current and paid as agreed. 

XXXX  : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1600.00} The credit file reflects alleged XXXX late payment history ( including entries such as XX/XX/XXXX and XX/XX/XXXX ), but these notations are inconsistent and inaccurate. Other records reflect this account as current, paid as agreed, and in good standing. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I filed a XXXX XXXX claim with PayPal because I did not receive items from a XXXX order. 
I submitted clear evidence including security camera footage, lack of delivery photo, and proof of incorrect tracking. 
Despite this, PayPal ignored my evidence, relied only on the sellers claim of delivered, and closed my case without giving me an appeal option. 
I eventually received a refund directly from XXXX, not from PayPal. 
My complaint is that PayPal failed to fairly review my evidence and blocked me from a proper appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Inquires I dont acknowledge has been present on my report and need deleted

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 2025-09-15 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: FL

Complaint narrative:
I am writing to formally request the blocking of information on my credit report that I believe to be the result of identity theft, pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This fraudulent information does not accurately represent my credit history, and I respectfully request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX money was stolen out of my account by a stranger asking to use my phone. I reported it with chime they denied my dispute, told me I had to file a police report. I filled the police report, and my dispute was denied again. Money was XXXX  they did not do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercury Technologies, Inc.
State: NJ

Complaint narrative:
Mercury XX/XX/XXXX allowed fraudulent transactions in excess of {$3500.00} from my account. Their fraud detection systems are non-existent and their internal controls and governance processes are so weak that I do not think they should be operating as a bank. 

After making an online purchase on XX/XX/year>, my account was hit with several unauthorized withdrawals by the same merchant, for the same amounts on the same day. We contacted Mercury XX/XX/XXXX on XX/XX/year> while the transactions were still pending but MercuryXX/XX/XXXX did nothing. We had the debit card cancelled with Mercury XX/XX/XXXX, and still got subsequent unauthorized charges withdrawn from the account. We disputed those additional charges on XX/XX/year> while they were still pending and again Mercury did nothing about it.

Overall, Mercury, even when notified in timely fashion of fraudulent, unauthorized charges, failed its fiduciary duties. It not only failed to prevent pending charges but also allowed additional fraudulent charges to occur even when they were duplicate amounts, same day, by the same fake merchant. The bank has no fraud detection infrastructure and did not respond in timely fashion to avoid further fraud nor reverse pending unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-09-15 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off in different months and payment history has changed. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. I am demanding deletion of the following account Account XXXX - XXXX XXXX and account number is 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 2025-09-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX XXXX to look at vehicle prices. During the process, the finance representative told me the form I was signing was not a credit application and that my credit would not be run. Despite this, multiple hard inquiries appeared on my credit reports from : XXXX  ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These inquiries were submitted on the same day without my informed consent. I did not knowingly authorize them. I believe this constitutes misrepresentation by the dealership and an unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : LVNV FUNDING LLC - XXXX - 15 USC 1681b permissible purpose of consumer reports- Please delete immediately.LVNV FUNDING LLC - XXXX - 15 USC 1681b permissible purpose of consumer reports- Please delete immediately.XXXX XXXX XXXX - 15 USC 1681b permissible purpose of consumer reports- Please delete immediately.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE

Company response to consumer: Closed with explanation