vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. 

A XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. 

In addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. 

The name and contact information of the furnisher of this data. 

A reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). 

None of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. 

Furthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. 

To protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. 

I also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: VA

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 explanation
Consumer complaint received 2025-06-01 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: VA

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 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company agreed that this was in fact fraud and this account is still showing on 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 explanation
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
The company agreed that this was in fact fraud and this account is still showing on 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against Resurgent Capital Services, acting as a servicer on behalf of LVNV Funding, for continued collection reporting and failure to comply with federal law regarding identity theft disputes. 

On XX/XX/XXXX, I submitted a valid FTC Identity Theft Report that documented multiple fraudulent accounts opened in my name, including one associated with XXXX XXXX XXXX, now reportedly owned or serviced by LVNV Funding. This documentation satisfies the requirements of FCRA 605B as a valid Identity Theft Report.

Resurgent Capital later issued a response requesting a notarized affidavit. I complied fully and returned the completed and notarized affidavit of identity theft, along with a copy of the original FTC report, via mail on XX/XX/XXXX. 

Despite my compliance, Resurgent has : Failed to delete or block the fraudulent tradeline as required under FCRA 605B ( b ) ; Continued to furnish data regarding the disputed account to one or more consumer reporting agencies ; Not provided me with any written explanation or legal justification for refusing to delete or block the account, despite having received all required documentation.

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 605B, upon receiving a valid Identity Theft Report and any reasonably requested documentation, the furnisher must block the account from reporting unless it can affirmatively prove the account is not the result of fraud. I have not received any such evidence.

Additionally, if collection activity continues, this may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly 805 ( b ) regarding communication after notification of dispute, and 809 ( b ) regarding validation of debts.

I am requesting that the CFPB investigate Resurgent Capital Services and compel the following : Immediate and permanent deletion of the fraudulent LVNV Funding accounts from all consumer reporting agencies ; Written confirmation that the account has been blocked under FCRA 605B ; Confirmation that all collection efforts have ceased ; Enforcement action, if warranted, for failure to comply with consumer protection laws.

I am attaching my FTC Identity Theft Report, the notarized affidavit, and prior correspondence with Resurgent Capital Services to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have had my PayPal account since around XXXX and have actively been having issues since XXXX. On XX/XX/XXXX, I converted my personal account to a business account per the recommendation from PayPal representatives. PayPal has considered me a business and seller since I receive funds, yet no product ever leaves my hands. I am a product tester and I answer questions, surveys, post product videos, and make social media posts regarding products. Majority of the time I simply purchase a product and submit the receipt in order to get reimbursed. PayPal says that I am providing a service and therefore a business account is needed. Fine. On XX/XX/XXXX, I received a warning email telling me that I had received a personal payment and that if I continued to do so, my account would be upgraded and be forced to pay fees. This already applied to me since I was a business account. Business accounts can not receive personal payments yet PayPal claims that I did. On XX/XX/XXXX, my PayPal account was permanently banned without any explanation. Mind you this is not my first experience with a permanent limitation. I have consistently been banned ( roughly every 6 months with my most recent ban being in XX/XX/XXXX ) and previously, I was always told it was a mistake, after I submitted all requested documentation. I contacted PayPal on XX/XX/XXXX and requested a review. I received an email the next day, XX/XX/XXXX, requesting a business license, a contract agreement, and an explanation of transactions. As a sole proprietor, the State of Georgia does not require a business license, and when I converted my account to a business account on XX/XX/XXXX, XXXX ( PayPal business representative ) advised that I did not need XXXX either. I provided an explanation with receipts of every transaction requested and contacted PayPal via phone to inquire about the business license and contract agreement requirements. The representative once again told me that I did not need to submit them and they forwarded my account to be reviewed by the back office. I received an email later that day that my account was permanently banned and would stay that way due to lack of history with PayPal. That is inaccurate. I have had my account since around XXXX. I have received a XXXX for tax purposes for the last 2 years and I will receive XXXX for XXXX since Ive already met the minimum threshold. PayPal is holding over {$2700.00} of my funds and refusing to release them. An accurate review of my account would show that my account has been active for many years, along with many notes from previous agents and limitations explaining my business. Every limitation has resulted in an Im sorry, it was a mistake answer, or were not sure why the XXXX is flagging your account so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Subject : Formal Demand for Deletion of Disputed and Unverified Debt Under 15 U.S.C. 1681i ( 7 ) Account Number : XXXX Amount : {$20000.00} To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced account, which is currently being reported as a collection or charge-off on my Experian and Equifax credit reports, in the amount of {$20000.00}. 

This account has previously been disputed and requested for verification, but your response was inadequate and failed to meet the legal verification standards required under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( 7 ), I am entitled to a detailed description of the procedures you used to determine the accuracy and completeness of the information reported. 

Therefore, I am demanding the following : XXXX. A complete procedural description of how this debt was verified. 
XXXX. The contract or agreement bearing my signature proving I have a legal obligation to pay this alleged debt. 
XXXX. A full account history, including any charges, payments, interest, and fees leading to the claimed balance of {$20000.00}. 
XXXX. Documentation showing XXXX XXXX XXXX XXXX legal authority to report or collect this debt. 
XXXX. Immediate removal ( deletion ) of the account from all credit bureaus if this information can not be fully substantiated. 

Since the burden of proof lies with the furnisher, and your organization has already verified this account without producing legally sufficient evidence, I consider this a willful violation of the FCRA. 

As per my rights, I am granting you 15 days from the receipt of this letter to respond and delete the account from my credit reports. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action. 

Please respond in writing. All further communications regarding this matter must be in writing only. 

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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received XXXX pieces of mail from Chime, XXXX with a debit chip card and XXXX with a credit chip card. I never authorized any account opening on my behalf at this institution. XXXX of the mail letters had an account number printed so I called and said I called for fraud related issues. They said there was an account open under my name and XXXX, but would not give me any more information since I expressed this was not under my authorization. I told her Im privy to all information under my SSN at all institutions, regardless of fraud. I expressed how this was not professional and seemed like they didnt have the right protections in place. please help me get to the bottom of this, and chimes bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WA

Complaint narrative:
CFPB Complaint Reference Number : XXXX In the above complaint, I requested that Equifax remove all inaccurate information that is not CURRENT, TRUE, CORRECT, and COMPLETE, per FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( Human Trafficking ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of human trafficking, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). This section, established under the XXXX XXXX XXXX XXXX, requires consumer reporting agencies to block and remove any information furnished by a trafficker or that resulted from trafficking activity once a valid request has been submitted. I am requesting the deletion of the following item ( s ) from my credit report : Attached you will find my disputed accounts. Trafficking Documentation A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of trafficking. Documentation from a non-governmental organization or human trafficking task force authorized to make such a determination. A Statement of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from trafficking-related activity and should be removed. Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. Thank you for your attention to this urgent matter. Sincerely,

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
My XXXX XXXX brother fought for last driver license back in XXXX with my XXXX identity his picture he used my immunization records birth certificate that was stolen for my mother 's house current date up to now I have several things on my reports that are not any kind of financial responsibilities on my credit with social security number everything that I have tried to get through as far as the disputes the account for the XXXX or there was a case of identity theft I have had no results I am seriously in a bad financial spiral due to my credit report so if you willing to need more details on the identity theft from my XXXX  brother please contact me at XXXXXXXX  Thank you

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