vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and the XXXX major credit bureaus Equifax, TransUnion, and Experian for continued reporting of a disputed and inaccurate collection account ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX in violation of multiple consumer protection laws. 

On XX/XX/year>, I sent a formal dispute and cease & desist letter to XXXX XXXX XXXX, demanding deletion of the account due to the following violations : XXXX XXXX XXXX XXXX : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information to a credit bureau .

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits furnishing information after receiving notice from the consumer that it is inaccurate.

FDCPA 15 U.S.C. 1692c ( c ) : Requires all communication to cease upon written notice.

FDCPA 15 U.S.C. 1692e : Prohibits deceptive and misleading debt collection practices.

Regulation F : Prohibits passive collection via credit reporting without notifying the consumer ( " debt parking '' ).

15 U.S.C. 1681b : No permissible purpose was granted for placing any information on my credit reports.

Additionally, their actions may constitute Aggravated Identity Theft under 18 U.S.C. 1028A for knowingly and unlawfully using or transferring my identifying information without my consent. 

Despite this notice, XXXX continues to furnish this inaccurate data to the credit bureaus. 

Credit Bureau Violations ( Equifax, TransUnion, Experian ) : FCRA 15 U.S.C. 1681i ( a ) : Requires reinvestigation of disputed information. I properly disputed the XXXX account, and the bureaus failed to conduct a reasonable investigation and continued to report inaccurate information.

FCRA 15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain maximum possible accuracy. Continuing to report an inaccurate, unverified debt after a consumer dispute violates this obligation. 

The continued reporting of this account has caused emotional distress, reputational harm, and financial injury, preventing me from securing housing and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and the XXXX major credit bureaus Equifax, TransUnion, and Experian for continued reporting of a disputed and inaccurate collection account ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX in violation of multiple consumer protection laws. 

On XX/XX/year>, I sent a formal dispute and cease & desist letter to XXXX XXXX XXXX, demanding deletion of the account due to the following violations : XXXX XXXX XXXX XXXX : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information to a credit bureau .

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits furnishing information after receiving notice from the consumer that it is inaccurate.

FDCPA 15 U.S.C. 1692c ( c ) : Requires all communication to cease upon written notice.

FDCPA 15 U.S.C. 1692e : Prohibits deceptive and misleading debt collection practices.

Regulation F : Prohibits passive collection via credit reporting without notifying the consumer ( " debt parking '' ).

15 U.S.C. 1681b : No permissible purpose was granted for placing any information on my credit reports.

Additionally, their actions may constitute Aggravated Identity Theft under 18 U.S.C. 1028A for knowingly and unlawfully using or transferring my identifying information without my consent. 

Despite this notice, XXXX continues to furnish this inaccurate data to the credit bureaus. 

Credit Bureau Violations ( Equifax, TransUnion, Experian ) : FCRA 15 U.S.C. 1681i ( a ) : Requires reinvestigation of disputed information. I properly disputed the XXXX account, and the bureaus failed to conduct a reasonable investigation and continued to report inaccurate information.

FCRA 15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain maximum possible accuracy. Continuing to report an inaccurate, unverified debt after a consumer dispute violates this obligation. 

The continued reporting of this account has caused emotional distress, reputational harm, and financial injury, preventing me from securing housing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Account was paid and closed. Account is still appearing on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
On XX/XX/year>, I reviewed my consumer credit report and identified several accounts that I do not recognize and have never opened. These accounts were reported without my knowledge or authorization and do not reflect any financial activity initiated by me. 
The following accounts appear to be fraudulent : XXXX. XXXXXXXX XXXX XXXX account with a reported balance of {$27000.00} XXXX. XXXX XXXX XXXX XXXX collection account for {$170.00} XXXX XXXX XXXX XXXX account showing a balance of {$1600.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account listed for {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
On XX/XX/year>, I reviewed my consumer credit report and identified several accounts that I do not recognize and have never opened. These accounts were reported without my knowledge or authorization and do not reflect any financial activity initiated by me. 
The following accounts appear to be fraudulent : XXXX. XXXXXXXX XXXX XXXX account with a reported balance of {$27000.00} XXXX. XXXX XXXX XXXX XXXX collection account for {$170.00} XXXX XXXX XXXX XXXX account showing a balance of {$1600.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account listed for {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I received an email from PayPal, XXXX and XXXX stating that my accounts where being closed. I'll attached the emails which will include the dates. I believe the closures were strictly retaliatory in nature, and may involve collaboration with a certain corporate executive who I've been in conflict with for over a year. I would like the matter investigated, pleaseas the actions taken against me are suspicious and I even went so far as to publicly post my transactions to prove their claims where false. There was no non-compliant activity going on. The activity my accounts were extremely consistent, transparent, and XXXX of my accounts had not been used in a long time. I am contesting the false allegations of non-compliance and any such accusation of non-compliance and or suspicious account activityas I proven to the public ( as a matter of public safety interest due to the nature of the malicious attack ) there are no such suspicious or non-compliant based activity transactions occurring. I intentionally posted my transactions publicly to prove beyond a doubt that my transactions are very standard and I'll prove it to you as well. I will attach them and I will attach the emails I received. I respond with confusion and frustration. Please investigate this matter, as I believe there is corruption here, involving a certain tech multi-billionaire formerly and potentially still affiliated with PayPalwho owns the other XXXX subsidiaries. 

The latest email is from XXXX, a subsidiary of XXXX. You can see in that email they offer me the chance to upload my ID to verify my identity, but the previous XXXX emails are from PayPal, and XXXX. You can tell that it's a corporate wide ban, and that according to the time stamps, they had not truthfully planned on treating me fairly nor giving me the chance to contest such false accusations. 

It appears as if PayPal had their mind mad up regardlessnot willing to give me any opportunity to defend myself because it wasn't about fair nor reasonable action. So the very last email from XXXX contradicts PayPal 's corporate wide action against meseeming saving face to attempt to give me the opportunity to validate my identity but closing all accounts and flat out permanently denying my service along with this message is suspect at best ; it suggests misleading and or retaliatory or consumer abuse actions, with no cause. I've attached my pay transactions which should include all XXXX transactions. You should also find my XXXX  transactions separately attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Mr. Cooper, I am sending this letter to formally report an error in how my mortgage loan is being handled, especially regarding my request for help through your loss mitigation process. Im respectfully asking you to correct this error now before any further harm is done. 
On XX/XX/year>, I submitted a completed Request for Mortgage Assistance using the form provided by your company. Copies were submitted again on XX/XX/XXXX and XX/XX/XXXX. My attorney also sent a copy before the hearing on XX/XX/XXXX, and the opposing attorney confirmed receipt. Follow-up emails were sent again by counsel on XX/XX/XXXX and XX/XX/XXXX. 
That application should be treated as " facially complete '' under 12 CFR 1024.41 ( c ) ( 2 ) ( iv ). That means even if you think something else might be needed later youre required by law to treat it as complete for purposes of stopping any foreclosure sale under 1024.41 ( f ) ( 2 ) and ( g ). 
Heres why this matters : The foreclosure sale was canceled on XX/XX/XXXX and wasnt rescheduled until XX/XX/XXXX. That two-day period, where no sale was pending, is legally important. According to 12 CFR 1024.41 ( b ) ( 3 ), if no foreclosure sale is scheduled when a complete application is received, the servicer must treat that application as if it was received more than 90 days before any sale even if a new date is later set. That means Im entitled to the fullest protections, including review, decision, and appeal rights. The official commentary to the rule ( comments 41 ( b ) ( 3 ) -1 and -2 ) makes this very clear. 
Despite meeting all these requirements, your representative XXXX XXXX told me in writing on XX/XX/XXXX that I needed to submit a new application. That request ignores the fact that I already submitted your required form multiple times. This delay is not only unnecessary, its a direct violation of your duty to promptly evaluate a complete application. 
As of today, a foreclosure sale is scheduled for XX/XX/year>. Since my application was submitted on XX/XX/XXXX, and there was no sale pending for XXXX days, this sale must be canceled under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
My information was exposed in a data breach. As a result my personal information was shared/released without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
My information was exposed in a data breach. As a result my personal information was shared/released without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Under Internal Revenue Code 6050P, a creditor ( also called an " applicable entity '' ) is required to file Form 1099-C with the IRS and send a copy to the debtor when they cancel a debt of {$600.00} or more. The creditor, " Westlake Financial Svcs '' is reporting on my credit report that account is " Charge Off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, nor did I initiate any application or give permission to the companies listed below to access my credit file. 

The inquiries in question are : XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These entries are damaging my credit score and were made without my consent. I am requesting that you immediately investigate these inquiries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and proof of address to assist with your investigation : - A copy of my drivers license or state ID - A recent utility bill or bank statement with my current address Please confirm in writing that these inquiries have been removed or provide the results of your investigation. 

Sincerely, * * XXXX XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, nor did I initiate any application or give permission to the companies listed below to access my credit file. 

The inquiries in question are : XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These entries are damaging my credit score and were made without my consent. I am requesting that you immediately investigate these inquiries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and proof of address to assist with your investigation : - A copy of my drivers license or state ID - A recent utility bill or bank statement with my current address Please confirm in writing that these inquiries have been removed or provide the results of your investigation. 

Sincerely, * * 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Unauthorized Hard Inquiry by American Express Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date of Inquiry : XX/XX/year> Company Involved : American Express Credit Bureau Reporting : XXXX  On XX/XX/year>, American Express conducted a hard inquiry on my Experian credit file without my knowledge or authorization. 

I never applied for credit, authorized a credit pull, nor gave any form of permissible purpose for American Express to access my consumer report. 

This is a direct violation of several provisions under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( f ) Prohibits any entity from obtaining a consumer report without a legally permissible purpose. 


15 U.S.C. 1681c-2 Requires the blocking and removal of unauthorized or identity theft-related information when disputed.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates that any information that can not be verified must be deleted from the consumers file.

15 U.S.C. 1681s-2 ( b ) Obligates the furnisher and credit bureau to conduct a timely, reasonable investigation and correct or remove any unverifiable or inaccurate data. 



Formal Demand I respectfully demand the following corrective actions under federal law : Immediate removal of this inquiry from my Experian credit report while the investigation is pending Full investigation into American Express failure to demonstrate permissible purpose Civil and administrative penalties for willful and/or negligent furnishing of inaccurate data under FCRA 1681n & 1681o Full documentation of the alleged permissible purpose, including signed credit application or consent Written confirmation to me and the credit bureau reflecting the status, results, and actions taken Statement of Harm The presence of this unauthorized inquiry has negatively affected my credit standing, caused a lowering of my score, and may create false implications of credit-seeking behavior that I did not initiate.

If no legal and verifiable authorization is produced, the inquiry must be permanently deleted under FCRA 1681c-2 and 1681i ( a ) ( 5 ). Continued reporting without verification or consent constitutes ongoing statutory violation and subjects the parties involved to legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 disputed this late payment with TRANSUNION regarding account XXXX XXXX XXXX XXXX which is either inaccurate, unverifiable, or misreported. The data furnisher has failed to provide documented proof, and the credit bureau continues to report it despite my formal dispute under FCRA 1681e ( b ), 1681i, and 1681s-2. I demand a full investigation and permanent removal of this entry as it violates federal law and harms my credit reputation unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief