vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Remove the fraudulent and unauthorized credit inquiries listed below from my TransUnion credit report immediately. I am the victim of identity theft, and these inquiries were made without my knowledge, consent, or any legitimate permissible purpose. 

I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) dated XX/XX/XXXX, filed under my legal name XXXX XXXX XXXX XXXX and current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This report confirms that I do not recognize these inquiries and that they are the direct result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the continued reporting of these inquiries constitutes multiple legal violations, including : FCRA 605B 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block identity-theft-related information within four ( 4 ) business days after receiving a valid identity theft report.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) : Consumer reports may only be accessed for a permissible purpose. Accessing my report without authorization violates my privacy rights.

FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to know who accessed my file and under what authority.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or unverifiable information.

FCRA 611 15 U.S.C. 1681i : Requires the bureau to investigate disputed information within 30 days and provide results.

Unauthorized Inquiries to be Removed ( TransUnion Total : 7 ) : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) My Legal Demands : Immediate blocking and removal of all above-listed inquiries. 

Written confirmation that these inquiries have been deleted from my TransUnion report. 

Full disclosure of any documentation allegedly used to authorize these inquiries.

A copy of the investigation results in compliance with FCRA 611.

Failure to comply with these demands will result in further legal action and escalation to the CFPB for enforcement.

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 2025-08-10 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:
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.

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 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 2025-08-10 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX  {$4000.00} Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX  {$5300.00}

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 2025-08-10 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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 am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized disclosure of my student loan records and personally identifiable information ( PII ). 

On XX/XX/year>, I became aware that my student loan information, including my Social Security number, address, payment history, etc., was accessed or disclosed without my consent. This appears to have occurred through XXXX XXXX and is a direct violation of FERPA protections. 

Because of this breach, unlawfully obtained and inaccurate student loan information has been furnished to consumer reporting agencies. This has caused direct harm to my credit profile and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-08-10 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: TN

Complaint narrative:
I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized disclosure of my student loan records and personally identifiable information ( PII ). 

On XX/XX/year>, I became aware that my student loan information, including my Social Security number, address, payment history, etc., was accessed or disclosed without my consent. This appears to have occurred through XXXX XXXX and is a direct violation of FERPA protections. 

Because of this breach, unlawfully obtained and inaccurate student loan information has been furnished to consumer reporting agencies. This has caused direct harm to my credit profile and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized disclosure of my student loan records and personally identifiable information ( PII ). 

On XX/XX/year>, I became aware that my student loan information, including my Social Security number, address, payment history, etc., was accessed or disclosed without my consent. This appears to have occurred through XXXX XXXX and is a direct violation of FERPA protections. 

Because of this breach, unlawfully obtained and inaccurate student loan information has been furnished to consumer reporting agencies. This has caused direct harm to my credit profile and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Auto Loan, Joint with XXXX XXXX, Opened XX/XX/year>, paid/closed/never late This account was paid as agreed, closed in good standing, and is accurately reflected on another major credit bureau 's report XXXX but missing from your records. Under the FCRA, I am requesting that you investigate this matter and update my credit file to include this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Auto Loan, Joint with XXXX XXXX, Opened XX/XX/year>, paid/closed/never late This account was paid as agreed, closed in good standing, and is accurately reflected on another major credit bureau 's report XXXX but missing from your records. Under the FCRA, I am requesting that you investigate this matter and update my credit file to include this account.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
A merchant delcared bankruptcy which a=did not allow for return of purchased items. Affirm was made away, during this process not= returns were allowed. Affirm reported to credit bureaus a late payment of 30-90 days. this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. 
I didn't open these accounts. I would like this to be taken off my credit because its not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
On XXXX XXXX I Signed up with Lexington Law Firm a credit repair service. On XXXX XXXX I was Email a letter to be notarized and signed by the receive for proof. The address that Lexington Law firm gave me was incorrect. The XXXX notify me that the address was in correct I need the correct address for it to be delivery. I called Lexington Law firm and spoke with a paralegal name XXXX. I explained to him about incorrect address that was given to me he apologized, and give me the correct address. And transfer me to a XXXX XXXX name XXXX he also apologized and told me XXXX explained it to him already XXXXXXXX  XXXX me he will be putting in for a refund of {$40.00} check to be mailed out to me he said it would take XXXX  days for process time and another XXXX  days mailing time. It's been over XXXX I still have not received my refund check from Lexington Law firm. Every time I call about it the give me the run around or they said your check is in the mail you should receive it soon I never received it as of today XXXX. No check still XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2025, I sent XXXXXXXX XXXX  ( valued at approximately {$760.00} XXXX  ) from my personal wallet to my PayPal XXXX XXXX address. The transaction was confirmed successfully on the Base network ( transaction hash : XXXX ), and blockchain records show the funds are held at XXXX wallet address : XXXX. 

PayPal currently only supports XXXX deposits via the XXXX, but they control the private keys to the wallet that now holds my XXXX  on XXXX. Because they control the address, they have the ability to manually recover the funds by accessing the Base network and returning them to my wallet. 

I contacted PayPal support and explained the situation, but they informed me they can not recover unsupported network deposits. This policy effectively allows PayPal to retain my funds without providing a recovery process, despite having full control over the wallet.

I am requesting that PayPals XXXX operations team manually recover and return my XXXX, as the funds are verifiably in their possession. The blockchain proof is attached and publicly viewable on XXXX. This is not a lost or stolen case it is a case where a supported address received funds on a compatible XXXX  XXXX network, and the owner of that address ( PayPal ) has the technical ability to recover them. 

I am seeking the CFPBs assistance in having PayPal release my funds back to my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts listed below are the result of identity theft. I have contacted each creditor directly, but they have not yet removed these accounts from my credit file. Please reach out to them on my behalf to help resolve this matter. 


XXXX XXXXXXXX {$3000.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3200.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Transunion, Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$470.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Equifax, Experian, Transunion

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are the product of identity theft, I have reached out to each respective creditor and as of yet they have not removed these accounts from my credit. Please reach out to them on my behalf and resolve this issue. The accounts in question are as follows. XXXX XXXX XXXXXXXX {$450.00} Transunion and Experian, XXXX XXXX XXXX XXXX {$710.00} Transunion and Equifax, XXXX XXXX XXXX XXXX {$1200.00} Transunion and Equifax, XXXX XXXX XXXX XXXX Transunion and Equixfax, XXXX XXXX XXXX {$760.00} Transunion and Experian, XXXX XXXX {$1000.00} Transunion, XXXX XXXX {$150.00} Transunion, XXXX Funding XXXX {$130.00} Transunion, XXXX  XXXX {$720.00} Transunion, XXXX XXXX {$400.00} Transunion, Experian and Equifax.

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 2025-08-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts affecting my credit report

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX  report shows incorrect information regarding a Bank of America secured credit card. The account was closed on XX/XX/XXXX, but my report lists a {$140.00} balance and late payments every month after the closure date, up to XX/XX/XXXX. This is inaccurate and misleading, affecting my credit score unfairly.

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 2025-08-10 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation