vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am formally disputing inaccurate information reported by TransUnion on my credit file, which fails to meet compliance standards. The data in question has not been properly validated, and there is insufficient documentation to confirm its accuracy. This includes potentially incorrect account statuses that remain unverified. 

As a consumer, I have the right to request immediate corrections in accordance with both federal and state consumer protection laws. This letter serves as a formal notice to ensure compliance with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which requires a clear and transparent explanation of the verification methods used. 

Correction on the status of this account : Complete removal of the following items : 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

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 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My money was transferred into a non existent account and I requested it returned and I was denied this request.

I called Paypal to initiate a trace and it was denied.

The amount is {$100.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX XXXX. XXXX, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX Pursuant to XXXX U.S.C. XXXX, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-21 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: NY

Complaint narrative:
I respectfully request the removal of several fraudulent hard inquiries listed on my credit report. I did not authorize these inquiries, and they do not correspond to any action or application I have made.

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 2025-07-21 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the speed of information on my credit report leaving inaccurate or unverifiable accounts unresolved The consumer financial protection bureau ( CFPB ) Has recently Father lawsuit against Experian alleged systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequate notified consumers of dispute outcomes these failure align with my experience were experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I'm requesting immediate corrective action to remove and amend the disputed accounts as experian in action violates the federal law and my rights as a consumer

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 2025-07-21 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: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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 2025-07-21 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: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverified information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without proper investigation. The company failed the semi any information I requested even my other complaint they never sent verification of debt The original contract bearing my signature and explanation of the amount how it was calculated

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 2025-07-21 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding an account reported by Portfolio Recovery Associates , LLC ( PRA ), originally from a XXXX XXXX XXXX credit card. 

I dispute this debt and formally request that the account be deleted from my credit reports for the following reasons : 1.Incomplete and Invalid Debt Validation ( FDCPA 1692g ) : PRA did not provide a signed agreement, a complete payment history, or sufficient documentation establishing legal ownership of the debt. The documentation provided is insufficient under the FDCPA and does not meet New York State validation standards.

2.Violation of the Fair Credit Reporting Act ( FCRA 623 ) : PRA is furnishing disputed data to credit bureaus without completing a lawful reinvestigation or accurately reporting the dispute. They have not updated the tradeline to reflect the disputed status properly.

3.Violation of NY CPLR 214 and Consumer Credit Fairness Act ( XX/XX/XXXX ) : The statute of limitations for credit card debt in New York is XXXX  years. According to the documentation, the alleged default occurred in XX/XX/XXXX. Any attempt to collect or report after XX/XX/XXXX would violate state law unless the debt is reaffirmed or settled.

4.Lack of Chain of Title and Contractual Proof : PRA failed to provide proof of assignment from XXXX or a signed contract establishing that I am legally obligated to pay this debt.

Requested Resolution : Immediate deletion of the account from XXXX XXXX XXXX XXXXCease all collection efforts on the account. 
Investigate PRAs pattern of improper reporting and non-compliance.

I am submitting supporting documentation showing that PRA failed to meet the standards under federal and New York State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I recently obtained a copy of my credit report and discovered a fraudulent account listed that I did not authorize. I believe this to be a clear case of identity theft.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received an email that my checking account was being closed as of XX/XX/XXXX. It said because of activity that is inconsistent with typical customer usage. 

I never received notice about them closing my XXXX XXXX credit card account. 
They just closed my favorite and most active credit card all of a sudden with no notice. When I called, they didn't provide me with any information. I called on the seventh of XXXX. They did tell me that I'd receive a letter in 7-10 days but I have not received any correspondence from them. This closure occurred suddenly on the seventh of XXXX. 
I had a credit limit of {$30000.00} and have never had a late payment over all of the years I've had the account. 
Besides calling, I sent an email to the office of the CEO, XXXX on the XXXX of XXXX but have not received any response. 
I believe that this whole issue is related to an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sold that apartment in early XXXX and purchased a vacation home in XXXX in XXXX of XXXX. I needed to get the money from XXXX to myself in the united states and on to XXXX. 
I have a bank account in XXXX as well. The XXXXXXXX XXXX questioned all of my transactions and requested documentation for everything which I provided, including sale and purchase contracts. Everything was reported and taxes paid to the U.S. internal revenue service. The XXXXXXXX XXXX  accepted my documentation and answers and that account remains open and in good standing. 
Capital One reached out to me a full year after the XXXXXXXX XXXX. A representative of capital one who spoke with me asked me many questions for which a provided answers. She said that everything was fine. She did not request a single document or proof of anything. Every transaction is above board and documented. It was a very unusual situation but I don't inherit an apartment every day. I don't expect a recurrence of this and I believe that I handled everything in a normal and proper way, all in consultation with my accountant. 
In my email and phone call, I asked that my credit card account be reinstated, as well as my checking account. The credit card is more important to me. 
I repeat that no prior notice was given to the closure of my credit card account and to date, no explanation has been provided and nobody I speak to at customer service has any idea what happened. 
XXXX XXXX credit card ending XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX SS ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX Failure to Provide Consumer Disclosure Report On or around XX/XX/XXXX, my credit application was denied. The adverse action letter I received cited the following reasons for the denial : Income insufficient to meet credit obligation Net monthly income XXXX XXXX XXXX XXXX The letter further stated that the creditor relied on reports from XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX in evaluating my application. It also noted that my credit score was obtained from XXXX XXXX XXXX XXXX and included the following information : Credit Score : XXXX Date : XX/XX/XXXX Score Range : XXXX to XXXX The adverse action letter listed the following key factors negatively impacting my credit score : Lien/Judgment record found Number of inquiries in the last 12 months Unable to verify applicant name, address, and phone number Length of time on sources confirming identity I am unaware of any liens or judgments on my record and therefore contacted XXXX on or around XX/XX/XXXX, to request a copy of my consumer disclosure report to verify the accuracy of the information being reported. 

As of todays date, XX/XX/XXXX, I have not received a copy of my consumer disclosure report, despite having provided a copy of my government-issued photo ID and proof of residence. XXXX has refused to provide me with the report without explanation.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a copy of my consumer disclosure report upon request. XXXX refusal to furnish this report is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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