vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-15 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: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX, XXXX, & TransUnion. All Three Credit Bureaus are willful non-compliance with FCRA 611a1b by persistently reporting demonstrably false personal identifiers on my credit file despite, multiple disputes. And also filing for violating FRCA 607b by failing to maintain reasonable procedures to ensure maximum possible accuracy of my credit file. Specifically they continue to report unauthorized or inaccurate phone numbers linked to my credit profile, despite my repeated disputes. 

Violations Details 1. Falsely Attributed Names : Correct legal Name : XXXX XXXX Incorrect Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And Etc. 

This ALSO creates unacceptable FRAUD risk and indicates failure to maintain reasonable procedures under FCRA 607b.

2.Inaccurate Address History : Correct Address : XXXX XXXX XXXX XXXX XXXX, SC Fraudulent Incorrect Address History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC. 
3. Incorrect Phone Number on File : My Verified Number : ( XXXX ) XXXX Falsely Attached Number : Not to sure but there are Incorrect Phones numbers attached. 

These inaccuracies

suggest possible credit file mixing or identity theft exposure under FRCA 605C.

Legal grounds : * FRCA 616 - ( Civil Liability for Willful Noncompliance ) * FRCA 617- ( Civil Liability for Negligent Noncompliance ) * FRCA Bulletin 2013-01 ( Accuracy Expectations ) * FRCA 607 ( b ) ( Duty to maintain accurate records ) * FRCA 605C ( Blocking identity theft-related information ) This negligence has caused concrete harm : It prolongs my risk of identity theft and may impact credit decisions. I demand resolution within 15 Days, per CFPB guidelines.

Sincerely, XXXX XXXX XXXX Last 4 : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX : ( XXXX ) XXXX Email Address : 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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: CO

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/year>, I purchased an item ( a jacket ) through PayPals Pay in 4 installment plan for {$1200.00}. The product was delivered but didnt fit, so I returned it to the seller. The seller agreed to send a replacement. The replacement was never delivered. 

The shipping carrier ( XXXX ) confirmed the package was lost and issued claim compensation to the seller. Despite this, the seller refused to refund or resend the product. I reached out to PayPal and filed a dispute under their Purchase Protection policy for Item Not Received.

However, PayPal automatically changed my dispute reason during the resolution flow to Significantly Not As Described, which closed my original dispute without my knowledge. I continued to follow up with multiple disputes, but PayPal denied each one, even though the seller was fully reimbursed by the carrier and I never received a replacement.

PayPal now insists I pay the remaining {$620.00} on the Pay in 4 plan, even though I have no product, the seller was compensated by the carrier, and I have provided proof of return and carrier compensation to the seller.

PayPals website encourages buyer-seller communication first, which I followed. But their platform did not disclose that replacement items are excluded from protection, nor did it warn that switching dispute reasons would close my claim permanently. 
Im asking CFPB to review this case because Ive exhausted PayPals Executive Office complaint process. I believe their handling of this dispute violates consumer fairness standards and results in unjust enrichment for the seller, who has now been paid twice for a lost productwhile Im left with nothing and am being pursued for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
On XX/XX/year> I received notification from my bank that The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) processed an unauthorized debit in the amount of {$220.00} from my bank account. They refuse to return the funds and have resorted to ignoring communication from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-05-15 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: Zions Debt Holdings
State: IL

Complaint narrative:
I canceled my XXXX XXXX XXXX account on XX/XX/year> and did not receive any services after that date. A {$32.00} charge was posted on XX/XX/year>, which I did not authorize and which does not reflect any services rendered. 

I never received any communication fr

om Zion Holdings about this debt. I only discovered it when I saw it listed on my credit report. I then contacted Zion Holdings directly and disputed the debt in writing.

This is the second collection agency to attempt to collect this balance. The first agency stopped collection efforts after I provided proof of cancellation. Zion Holdings refused to provide proper verification or cite any specific language in the contract that would justify the charge. They continued to report this debt even after I submitted a formal dispute and requested deletion. 

I asked them to cease collection efforts and delete the account from my credit report. They refused, and the debt remains listed inaccurately. 

I am requesting that this collection account be removed from my credit reports, and that the company be held accountable for violating the Fair Credit Reporting Act by continuing to report unverified and inaccurate information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$9000.00} Terms : 7 Months The payment history and other key data for this account are incomplete and/or inaccurate, including but not limited to : Incomplete Payment History : The payment history contains missing or unclear entries for multiple months in XXXX and XXXX, with unexplained dashes or blank fields. 

Incorrect Delinquency Reporting : The record shows a XXXX late payment for XX/XX/XXXX, but I have no record or confirmation of such delinquency and request verification of this claim. 

Missing Account Details : Critical information such as the recent balance, monthly payment, and highest balance is either blank or not reported. 

Lack of Updates : The account status has not been clearly updated since XX/XX/XXXX, and key fields are marked as " - '' instead of properly showing " {$0.00} '' or " N/A '' for a closed and paid account. 

Given these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly. If the furnisher can not verify the accuracy, I ask that the account be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this dispute and notify me once the investigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$9000.00} Terms : 7 Months The payment history and other key data for this account are incomplete and/or inaccurate, including but not limited to : Incomplete Payment History : The payment history contains missing or unclear entries for multiple months in XXXX and XXXX, with unexplained dashes or blank fields. 

Incorrect Delinquency Reporting : The record shows a XXXX late payment for XX/XX/XXXX, but I have no record or confirmation of such delinquency and request verification of this claim. 

Missing Account Details : Critical information such as the recent balance, monthly payment, and highest balance is either blank or not reported. 

Lack of Updates : The account status has not been clearly updated since XX/XX/XXXX, and key fields are marked as " - '' instead of properly showing " {$0.00} '' or " N/A '' for a closed and paid account. 

Given these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly. If the furnisher can not verify the accuracy, I ask that the account be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this dispute and notify me once the investigation is completed.

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 2025-05-15 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: HI

Complaint narrative:
XXXX XXXX  raised the monthly payment amount 8 months ago without justification or notification. Upon personal investigation attempting to discover the justification for the monthly payment increase from {$2100.00} to {$2700.00}, a review of possible reasons was completed : ( 1 ) property tax increase - No, property taxes are fixed by the County based on my VA loan status and no increase was reported ; ( 2 ) escrow account increase - No, XXXX XXXX did not provide a substantial reason for the increase except to note an escrow account, however XXXX XXXX did not provide a valid rational for the increase, as loan insurance is at a fixed rate due to the VA loan status, the monthly payment had not increased due to the fixed rate, however XXXX XXXX began attempting to raise the monthly rate by {$600.00}. Per personal discussion with a VA Loan Officer - XXXX VA- I was informed there was no justifiable reason for XXXX XXXX to increase the amount of the monthly payment. I have sent personal communication via U.S. Mail  to XXXX XXXX  in an attempt to secure a reason for the increase, but have not received a response reply. XXXX XXXX, however, continues to fraudulently document no payment activity for the past six months. All payments within this time period have been made as expected. XXXX XXXX  on two occasions returned the payments to my XXXX XXXX XXXX account, but the payments were again sent to XXXX in a lump sum amount. XXXX XXXX  kept the {$6000.00} plus payment and applied it to a one time monthly payment instead of securing it to the three month period it was designed for. Despite several attempts to contact XXXX XXXX to attempt reconciliation, XXXX XXXX  has failed to respond. Yet, XXXX XXXX continues to report negative credit information to my Credit Report status at TransUnion, and 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 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Never been late with funds.This is how corporations treat customers. I paid fee down.I asked to cover charge and pay services.They didn't offer to work something out with me being XXXX  over month.I was out of work due to being in XXXX. They really don't care what you go through.Trying to do the right thing I could pay amount instead of paying on acct.I been a loyal customer never had issue they always covered me I paid back what is the issue now

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 2025-05-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX. 
Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation