vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
I received an email on XX/XX/2025 from Halsted Financial Services to collect an alleged debt for XXXX XXXX XXXX, current creditor to whom alleged debt is owed. I then sent a certified letter to Halsted Financial Services, requesting validation of the alleged debt. 

Although I did receive a letter back within the 30 days required, from XXXX XXXX XXXX who manages this alleged account for XXXX XXXX XXXX, I did not receive all that I requested. All that I received was a credit card statement with mine and another person 's name with XXXX different account numbeXXXX XXXX XXXX XXXXut and shows the last XXXX digits. I was not aware that another person was on this alleged account, as it was not mentioned in the email that I had received. There are now XXXX companies involved in the collection of this alleged debt, and this is extremely confusing as to who I am to contact to get direct answers and not a copy of a statement. 

This debt has not been validated. I did not receive the original account number for the alleged debt. There would now be XXXX account numbers, as was partially listed on the statement sent to me. I did not receive the full accounting of this alleged debt, the date that this alleged debt became payable or verification that the alleged debt was assigned or sold to collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NE

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information on my credit report that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I identified the following negative items that I believe are either inaccurate, unverifiable, or outdated, and I request their immediate removal : XXXX. [ XXXX XXXX XXXX XXXX Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX ] Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX XXXX ] Account # XXXX Status : Late payments and charge-offs XXXX. [ XXXX XXXX ] Account # XXXX Status : Collection account with a past due balance of {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NE

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information on my credit report that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I identified the following negative items that I believe are either inaccurate, unverifiable, or outdated, and I request their immediate removal : XXXX. [ XXXX XXXX XXXX XXXX Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX ] Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX XXXX ] Account # XXXX Status : Late payments and charge-offs XXXX. [ XXXX XXXX ] Account # XXXX Status : Collection account with a past due balance of {$2900.00}

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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to dispute and demand the immediate removal of the following inquiries from my credit file. These inquiries were either made without my full authorization, were not adequately explained to me at the time of application or have not been verified to my satisfaction. 

Inquiries to Be Deleted Immediately : 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 Let me be clearaccording to Section 604 of the FCRA, you are prohibited from reporting any inquiry unless you can produce full documentation proving that I gave written authorization for each specific instance. Simply stating that the inquiry is permissible or initiated by the consumer is not adequate verification under federal law. 

I am requesting : Proof of permissible purpose for each inquiry listed above. 

A copy of the original signed authorization that explicitly allowed the pull of my credit report. 

Immediate deletion of any inquiry that can not be fully verified with supporting documentation. 

You have 30 days from receipt of this letter to complete your investigation and provide written confirmation of the outcome. If you can not comply, you are required by law to delete the disputed information from my credit file under FCRA guidelines. 

Failure to fully comply will result in the immediate filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state, as well as potential civil legal action for willful noncompliance. 

This letter serves as your final notice. I expect full compliance without delay.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to dispute and demand the immediate removal of the following inquiries from my credit file. These inquiries were either made without my full authorization, were not adequately explained to me at the time of application or have not been verified to my satisfaction. 

Inquiries to Be Deleted Immediately : 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 Let me be clearaccording to Section 604 of the FCRA, you are prohibited from reporting any inquiry unless you can produce full documentation proving that I gave written authorization for each specific instance. Simply stating that the inquiry is permissible or initiated by the consumer is not adequate verification under federal law. 

I am requesting : Proof of permissible purpose for each inquiry listed above. 

A copy of the original signed authorization that explicitly allowed the pull of my credit report. 

Immediate deletion of any inquiry that can not be fully verified with supporting documentation. 

You have 30 days from receipt of this letter to complete your investigation and provide written confirmation of the outcome. If you can not comply, you are required by law to delete the disputed information from my credit file under FCRA guidelines. 

Failure to fully comply will result in the immediate filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state, as well as potential civil legal action for willful noncompliance. 

This letter serves as your final notice. I expect full compliance without delay.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I just contacted western union XXXX to confirm the money orders paid to XXXX XXXX XXXX XXXX has been cashed because my balance is not decreasing its inaccurate plus its inconsistent. I have experienced extreme unfair deceptive misreprentation from this business that keeps updating crucial details to go undetectable in their corrupt excused behavior. Western Union appeared to not be able to match my identification details to the money orders purchased in XXXX. I am concerned because not only have they taken {$9900.00} from XXXX account to purchase a completely savaged hurricane damage totally rusted vehicle with dried mud stains from the seating hardware inside the vehicle, now my payments are not being applied to the balance of what is considered a " flipped '' vehicle as in chop shop. Western Union had a hard time confirming the information from my copied money orders to what was in front of them. I am constantly followed by these sophisticated group of deception wirh the front actor name XXXX who is printed on the deceptive self made contract that does not align with XXXX government policies. I will not live in fear while this corruption steal from americans claiming " XXXX nation on their DOT authorized as Carrier not auto sales dealer/Broker. This is not hard to figure out as a way to conduct illegal business in your face. This is not the character of true indians. I cant believe this is not calling for corrective action especially in XXXX XXXX. Where are my 12 money orders that i have paid to XXXX XXXX XXXX XXXX going and how or if the these payments were forged? Western Union didnt know how to respond to simple questions. This happened at XXXX today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5400.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5400.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach after reviewing my credit reports I notice so accounts I am not familiar with I have ask the CRA for validation of debt however the information has not been provided due to my information being exposed I have submitted a ftc compliant reporting the information I am not familiar with. 

XXXX XXXX should be included as well erase this account Please find attached copy of my ID, THE FTC COMPLAINT, A COPY OF MY ID COPY OF MY DATD BREACH REPORT SHOWING I WAS EXPOSED

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 2025-04-08 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: MO

Complaint narrative:
I accounted all companies listed on this complaint and asked them to remove accounts and adjust my credit score asp. These account not mines but never been removed and damage my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I accounted all companies listed on this complaint and asked them to remove accounts and adjust my credit score asp. These account not mines but never been removed and damage my credit scores.

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 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I accounted all companies listed on this complaint and asked them to remove accounts and adjust my credit score asp. These account not mines but never been removed and damage my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My husband and I were targets of a phishing / phone spoof scam. 

On the evening of XX/XX/2025, I was targeted by a sophisticated scam that resulted in a fraudulent {$5900.00} USD transaction through my PayPal account. A scammer spoofed my banks caller ID, making it appear as a legitimate call from my bank, and claimed to be from their fraud protection team. They falsely stated that someone had taken a {$5900.00} loan in my name via PayPal and tricked me into protecting my funds by sending the money through PayPal, assuring me I wouldnt be held accountable. During the call, they phished my husbands bank login credentials, which they used to further deceive us. I the account holder, did not authorize this transaction my husband made the transfer under the scammers deception. We realized the scam shortly after and took immediate action : I pulled funds from our bank account to prevent the transfer, reported it to our banks fraud team, and filed a police report. The banks investigation verified suspicious activity related to the spoofed call and stolen credentials but ultimately closed their case, refusing to cover the loss. I also opened a fraud claim with PayPal the same day, explaining the situation. However, PayPal closed my claim within a week, stating that I still owe the {$5900.00} because it was an authorized transaction, despite it being under fraudulent pretenses. They have not allowed me to appeal through their app. On or around XX/XX/2025, PayPal sent a notice stating my account has a negative balance of {$5900.00} USD, which is now due, and provided a contact number ( XXXX ) .This transaction was not truly authorized I, the account holder, did not approve it, and it was only made because we were deceived by a scammer impersonating my bank. I have substantial evidence : a police report documenting the scam and bank documents verifying the suspicious activity, including the spoofed bank number. PayPals refusal to acknowledge this as fraud is unfair and violates consumer protection standards. My husband and I have excellent credit, and we are extremely concerned this negative balance will be sent to collections, damaging her credit. We are unable to pay this amount under any circumstances due to financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
In my LexisNexis Consumer Disclosure Report, I was incorrectly listed as at fault for an auto accident. This is false. I disputed the claim and submitted official court documentation proving that I was found not responsible. Despite this, LexisNexis has not corrected the report. 

This inaccuracy has caused financial harm, including increased insurance premiums. I have followed all procedures to resolve the issue directly with LexisNexis, including submitting evidence and following up, but no correction has been made. I am now requesting the CFPBs help to enforce my rights under the Fair Credit Reporting Act and have the inaccurate fault determination removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief