vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I had XXXX  XXXX a while back and had paid in full at the time. A while later I received a collection call, the numbers they use are spoofed numbers, After I disputed and requested documents to verify the debt, I e mailed as instructed by them, Also to verify them they did not send anything. I contacted XXXX XXXX XXXX office and discussed the outstanding balance, which I still did not agree with but they said it will remain in collections until paid. Collection company also said the same. I ended up paying the amount which was {$950.00} on XX/XX/year> which was considered paid in full. This has been several years ago. They continued to call about XXXX XXXX  later asking for {$410.00} more, they said because of interest. I had paid and it was accepted per what they had told me was owed. I told them to please file in court so we can get this handled once an for all as I will not pay this extra they all the sudden came up with. They have not called me since and then on the XXXX of XXXX they put it on my credit report. I have perfect credit and this seem spiteful to bully someone to paying as the consumer resources to take care of this are minimal and to hire an attorney would be more expensive than the bill. So being bullied into paying something I do not owe. 

The company is Mountain Land Collection, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
I am writing to formally dispute and request the blocking of XXXX or more fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or consent during a period in which I was incarcerated and, therefore, physically unable to open or manage any new accounts. 

Under 15 U.S. Code 1681c2, also known as the Identity Theft Prevention provision of the Fair Credit Reporting Act ( FCRA ), I am requesting that any and all information on my credit file that is the result of identity theft be blocked from my credit report. 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asserting that I did not authorize these accounts and that they are the result of fraudulent use of my personal information. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, and as such, I had no ability to open or apply for any credit accounts during that time.

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 2025-05-20 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: OH

Complaint narrative:
I am writing to formally dispute and request the blocking of XXXX or more fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or consent during a period in which I was incarcerated and, therefore, physically unable to open or manage any new accounts. 

Under 15 U.S. Code 1681c2, also known as the Identity Theft Prevention provision of the Fair Credit Reporting Act ( FCRA ), I am requesting that any and all information on my credit file that is the result of identity theft be blocked from my credit report. 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asserting that I did not authorize these accounts and that they are the result of fraudulent use of my personal information. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, and as such, I had no ability to open or apply for any credit accounts during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received a payment from my friend after creating a Venmo XXXX try buying bitcoin so I could invest in it.Bought a portion with the money and later I tried buying more.I got a reply that my transaction cant be completed, I thought this was a network issue, So I tried many times but wasnt successfull. Later I got an email my account has been suspended. I was told I need to resend my means of identification and change my password, which I did. I later got an email from XXXX XXXX Account XXXX at Venmo that my account has been suspended because I didnt abide by the user agreement.I dont understand what part of the agreement I didnt abide to.This is sick and uncalled for.My account was a personal account, I didnt engage in any business sales of goods whatsoever.I simply receive money from a friend and thats all. I have read the User Agreement for information on there policies surrounding acceptable use and high risk activity and there is no where I have broken that part of the user agreement.If I suffer financial difficulties because if this, I wont stop to take a legal action against XXXX believe they straight up robbing people or trying to incur interest off of people money or something by holding it that long cause I dont no other institution or app that deal with money transfer XXXX take that long to process your funds. A lot of complaints have been file by people who they have done the same thing to. I attach here a copy of the receipt of money my friend sent to me XXXX is {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear EQUIFAX this letter serves as a formal notice of dispute and demand for immediate removal of the following accounts below which you are falsely attempting to collect on and/or have reported to the credit bureaus. This alleged account does not belong to me. I am demanding that you cease all collection efforts and remove this account from your records and any credit reporting agencies immediately, as you are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, for making false, deceptive, and misleading representations in connection with a debt. You are hereby given 4 business days from the date of this letter to provide all of the following documentation, or this matter will be escalated to litigation : A copy of the complete Bill of Sale or assignment agreement from the original creditor proving legal transfer of the alleged account to your agency. A full audit trail showing the chain of custody and account history from origination to present. A copy of a written agreement or contract bearing my original, wet-ink signature proving that I had any obligation to the alleged creditor or to you. Proof of your authority to collect in my state, including your license or bond information, if applicable. If you fail to provide all requested documents within 4 days, I will consider your actions to be a willful violation of the FDCPA, and I will pursue legal action against your agency for damages, attorney fees, and punitive relief, including complaints filed with the CFPB, FTC, and my State Attorney General. You are further notified to cease and desist all collection activity on this alleged account immediately. Failure to do so will result in legal consequences I also attached the FTC REPORT, Social Security Card, Driver License, Bank Statement below are the accounts that are inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ) and 15 U.S.C. 1681s-2, due to : An unauthorized hard inquiry made by [ Insert Company Name ], which I did not authorize and which does not appear to be for any permissible purpose under the law.

Under 15 U.S.C. 1681b ( f ), a person or company may only obtain a consumer report if they have a legitimate, legally authorized reason. This inquiry was made without my knowledge or consent.

An inaccurate account reported to the credit bureaus that does not belong to me.

Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information.

Under 1681s-2 ( b ), they are also required to investigate disputes and correct any inaccuracies once notified. 

I have disputed this account, but the issue remains unresolved. 

I request that the CFPB investigate this matter and assist in the removal of both the unauthorized inquiry and the inaccurate account from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ) and 15 U.S.C. 1681s-2, due to : An unauthorized hard inquiry made by [ Insert Company Name ], which I did not authorize and which does not appear to be for any permissible purpose under the law.

Under 15 U.S.C. 1681b ( f ), a person or company may only obtain a consumer report if they have a legitimate, legally authorized reason. This inquiry was made without my knowledge or consent.

An inaccurate account reported to the credit bureaus that does not belong to me.

Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information.

Under 1681s-2 ( b ), they are also required to investigate disputes and correct any inaccuracies once notified. 

I have disputed this account, but the issue remains unresolved. 

I request that the CFPB investigate this matter and assist in the removal of both the unauthorized inquiry and the inaccurate account from my credit file

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 2025-05-20 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION has violated my rights. 

EQUIFAX UNAUTHORIZED COLLECTION XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-05-20 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: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate late payments on my credit reports for the following accounts : 1. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$100.00} Balance : {$3900.00} Credit limit : {$3800.00} 2. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$44.00} Balance : {$1000.00} Credit limit : {$1000.00} Both tradelines have reported a 30-day late payment to all three bureaus, but I was never late on either account. I have disputed these late payments directly with all three credit bureaus and the furnishers ( XXXX and XXXX ), and each of them failed to provide proper verification or documentation to support the accuracy of the late mark. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611 and 623, credit bureaus and furnishers must conduct a reasonable investigation and remove or correct inaccurate or unverifiable information. Simply responding " verified '' without actual documentation or a valid method of verification does not meet the legal standard for compliance. 

Additionally, Experian shows the remark : Completed investigation of FCRA dispute consumer disagrees for XXXX. 
And Account previously in dispute investigation complete, reported by data furnisher for XXXX. 

These responses indicate that the furnishers did not validate the late payment with actual proof, and the bureaus accepted the data without reasonable investigation. This is a violation of 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 2025-05-20 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: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate late payments on my credit reports for the following accounts : 1. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$100.00} Balance : {$3900.00} Credit limit : {$3800.00} 2. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$44.00} Balance : {$1000.00} Credit limit : {$1000.00} Both tradelines have reported a 30-day late payment to all three bureaus, but I was never late on either account. I have disputed these late payments directly with all three credit bureaus and the furnishers ( XXXX and XXXX ), and each of them failed to provide proper verification or documentation to support the accuracy of the late mark. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611 and 623, credit bureaus and furnishers must conduct a reasonable investigation and remove or correct inaccurate or unverifiable information. Simply responding " verified '' without actual documentation or a valid method of verification does not meet the legal standard for compliance. 

Additionally, Experian shows the remark : Completed investigation of FCRA dispute consumer disagrees for XXXX. 
And Account previously in dispute investigation complete, reported by data furnisher for XXXX. 

These responses indicate that the furnishers did not validate the late payment with actual proof, and the bureaus accepted the data without reasonable investigation. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Self Financial Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that u will investigate these items for me to ensure accuracy. 
Here are the items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX {$950.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$100.00} In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that u will investigate these items for me to ensure accuracy. 
Here are the items : XXXX : XXXX BANK XXXX ACC # XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XX/XX/XXXX {$100.00} In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your 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 explanation
Consumer complaint received 2025-05-20 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: NY

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,

Company response to consumer: Closed with explanation