vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To whom it may concern : In XXXX, I had a XXXX  day late on my XXXX XXXX XXXXXXXX XXXX  accidentally. Those couple months I had a lot going on with XXXX XXXX XXXX I thought the card was on auto pay and it was not. I tried asking XXXX for a removal through a Good will letter and they refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
To whom it may concern : In XXXX, I had a XXXX day late on my Barclays Banana Republic card accidentally. Those couple months I had a lot going on with XXXX XXXX XXXX I thought the card was on auto pay and it was not. I tried asking Barclays for a removal through a Good will letter and they refused.

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 2025-06-15 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-06-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: OR

Complaint narrative:
I have a " Debit Card '' through XXXX. Funds get uploaded by my work company for bonuses. I check my balance every few days to see how much is left to spendXXXX XX/XX/XXXX i noticed a debit on my XXXX Debit card for the amount of {$250.00} done by XXXX. There were approximately 4 other attempts from XXXX all dated the same date that DID NOT GET AUTHORIZED. Just this one did get authorized and deducted from my balance. I immidiately called into the banks FRAUD CENTER. THey provided me witha form that I had to sign in and FAX back. I did all this on XX/XX/XXXX. They refuse to give me back my UNAUTHORIZED DEBIT of th {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AL

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. 

Hard Inquiries XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct # XXXX 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.

You may have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Heavens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: AL

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. 

Hard Inquiries XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct # XXXX 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.

You may have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Heavens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt.

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 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I have submitted a letter out to these account 3 time and to the credit bureau and nothing is been done here are the accounts Disputed Item ( s ) : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off/Never late. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1700.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$27000.00} written off. {$24000.00} past due as of XXXX XXXX. 

This information is either inaccurate, incomplete, or can not be verified. Under the FCRA, you are required to verify the accuracy of the information within 30 days of receiving this dispute ( or 45 days if initiated through annualcreditreport.com ). If the furnisher of the information can not substantiate the account or its details, it must be removed from my credit report. 
I respectfully request the deletion of this item from my credit report if it can not be verified. Please complete the investigation and provide a written response of the outcome, as well as an updated copy of my credit report. 
Thank you for your time and attention to this matter. I look forward to your resolution within the required timeframe under federal 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 2025-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft there are multiple accounts, personal information on my credit report that are not mine. I submitted the report and the items were removed but two of the accounts removed are not reappearing on my credit file its has been over 30 days and Experian has not removed these accounts from my credit file. 

XXXXXXXX XXXX Account number XXXX Account charged off. {$19.00}, 507 written off. {$16.00}, XXXX past due as of XX/XX/year>. 

XXXXXXXX XXXX XXXX  Account number XXXX Please remove these accounts from my credit file they are not mine they are a result 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Collections-I, LLC
State: GA

Complaint narrative:
I am filing this complaint against HCI Collections LLC for continuously calling me after I have repeatedly requested that all communication be made in writing by mail only. I was told by a rep, " We already tried that, " I have made it clear that I do not consent to phone calls, yet the calls have continued, which is intrusive, disruptive, and a violation of my consumer rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-15 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX Date : XX/XX/year> To : Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX XXXX XXXX XXXX  Subject : Debt Validation Request Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Medical Data Systems, This letter is a formal request for validation of the alleged debt listed on my credit report with XXXX showing a balance of {$980.00}, reported by your agency on behalf of XXXX XXXX XXXX XXXX XXXX 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting the following : 1. A complete itemized statement of the alleged debt, showing how the amount was calculated 2. The name and address of the original creditor 3. A copy of the original contract or agreement bearing my signature 4. Proof that you have legal authorization to collect this debt 5. Documentation showing I gave permission for my medical information to be transferred to a third-party debt collector I do not acknowledge this debt. Until you fully validate this debt, you must cease all collection efforts, including credit reporting. 

Be advised that any attempt to collect a debt without proper validation is a violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please respond within 30 days of receipt via certified mail. 

Sincerely, XXXX XXXX XXXX XXXX cc : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I received a payment of {$260.00} USD from a family member to book a flight for a trip viaPayPal, upon receiving that payment PayPal closed my account permanently and said they would beholding my {$260.00} for up to XXXX days for potential risk. Prior to this I have never used PayPal once thiswould be my first time and first PayPal, this is a personal payment from a family member and nothing business related so I dont see whats the potential risk of me trying to accept a payment from a family member that was tagged as a family PayPal XXXX this is unjust and wrong, I would like my money back with interest if possible, its now XX/XX/year> and still no word from them because they dont intent to release it sooner. There is no reason to hold my family related payment and this is a huge inconvenience. 

Money paid to XXXX Desired settlement : I would like my money back, let me withdraw my funds, its mine and its in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone fraudulantly used my Identity to aquire XXXX Chase XXXX XXXX cards and maxed them out @ {$10000.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I refinanced my home in XX/XX/year> after being contacted regarding my eligibility for refinancing, as FHA guidelines require lenders to notify homeowners every XXXX months. We successfully closed the refinance that month. 

On XX/XX/year>, I received a letter stating that my loan was being transferred to a new servicer, XXXXXXXX XXXX. I immediately contacted both the original lender and XXXXXXXX XXXX, and both companies confirmed the transfer. I was told to wait for my new payment instructions from the new servicer. 

Over the next several weeks, I followed up multiple times I called at least XXXX times to both lenders, and each time they confirmed that my loan was indeed in transfer and to hold off on sending payments until I received official instructions. 

As a first-time homebuyer, I was very concerned about falling behind. After nearly XXXX months with no payment portal or clear direction, I proactively mailed a check to XXXXXXXX XXXX just to avoid missing any payment. 

Despite my efforts and repeated confirmations from both lenders, a late payment was reported to the credit bureaus. This has negatively impacted my credit, and when I reached out to resolve the issue, I was transferred repeatedly and told someone was assigned to my case but no one followed up. The person eventually assigned showed no interest in helping, and I was extremely frustrated and disappointed with the treatment I received. 

I have copies of all documentation, including the servicing transfer letter and records of my calls and payment attempts. Ive also filed a complaint with the Consumer Financial Protection Bureau, but so far, the issue has not been resolved. 

XXXX sharing this not only to request correction and resolution, but to highlight how first-time homebuyers are often misled and taken advantage of during servicer transfers. I hope this statement helps clarify my situation and encourages a fair review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I refinanced my home in XX/XX/year> after being contacted regarding my eligibility for refinancing, as FHA guidelines require lenders to notify homeowners every XXXX months. We successfully closed the refinance that month. 

On XX/XX/year>, I received a letter stating that my loan was being transferred to a new servicer, XXXXXXXX XXXX. I immediately contacted both the original lender and XXXXXXXX XXXX, and both companies confirmed the transfer. I was told to wait for my new payment instructions from the new servicer. 

Over the next several weeks, I followed up multiple times I called at least XXXX times to both lenders, and each time they confirmed that my loan was indeed in transfer and to hold off on sending payments until I received official instructions. 

As a first-time homebuyer, I was very concerned about falling behind. After nearly XXXX months with no payment portal or clear direction, I proactively mailed a check to XXXX XXXX just to avoid missing any payment. 

Despite my efforts and repeated confirmations from both lenders, a late payment was reported to the credit bureaus. This has negatively impacted my credit, and when I reached out to resolve the issue, I was transferred repeatedly and told someone was assigned to my case but no one followed up. The person eventually assigned showed no interest in helping, and I was extremely frustrated and disappointed with the treatment I received. 

I have copies of all documentation, including the servicing transfer letter and records of my calls and payment attempts. Ive also filed a complaint with the Consumer Financial Protection Bureau, but so far, the issue has not been resolved. 

Im sharing this not only to request correction and resolution, but to highlight how first-time homebuyers are often misled and taken advantage of during servicer transfers. I hope this statement helps clarify my situation and encourages a fair review of my case.

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