vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX - XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} US DEPT ED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} USDEPTOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-11 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-11 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: VA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$5400.00} USD through PayPal to a well-established vehicle auction platform ( XXXX ), within minutes of winning an auction. This payment was processed through the same PayPal account I have used for over XXXX  years with a long-standing, regular transaction history. 

PayPal immediately marked the transaction as " pending '' for a compliance review, even though the funds were successfully withdrawn from my bank account. I contacted PayPal multiple times by phone and was told the review would be resolved within XXXX hours. That deadline has passed, and the transaction remains unresolved. 

I have received no formal communication from PayPals compliance team, no request for additional documentation, and no indication that the transaction has been reviewed at all. Support agents continue to state that my account is in good standing, with no issues, yet the funds remain frozen. 

XXXX XXXX Due to this delay, I am now facing severe financial consequences, including : XXXX XXXX A {$1000.00} penalty from the auction house for late payment XXXX XXXX {$100.00} in daily penalties until payment is received XXXX XXXX Risk of losing my auction account and vehicle export licenses permanently Additional penalties from the transportation company that was scheduled to pick up the vehicle XXXX XXXX Storage fees accumulating while the vehicle remains unpaid This payment was part of a planned business investment, and PayPals failure to resolve or communicate about the review is causing significant damage. I was also explicitly instructed by PayPal not to submit a second payment, to avoid a duplicate transaction. 

Prior and subsequent payments with the same PayPal account ( including to the same merchant ) have been processed without issue. This appears to be an internal processing delay or mismanagement of compliance review queues, for which I am bearing an unjustified burden. 

I am requesting the immediate release of the funds, or at minimum a formal decision ( approval or rejection ), so that I can act accordingly. I also hold PayPal responsible for the financial losses incurred as a result of this unjustified delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They violate my rights as a consumer under 15 usc 1681b and i need these accounts blocked and deleted off my credit as soon as possible

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Clarifying Letter to XXXX XXXX  Separation of Disputes To : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Clarification of Disputes Auto Finance Inquiry vs. Credit Card Charge-Off Account Dear XXXX XXXX Legal and Compliance Department, I am writing to clarify that my dispute regarding the XXXX XXXX  credit card account # XXXX is separate from any concerns regarding the auto finance hard inquiry initiated by XXXX XXXX on XX/XX/year>. 

To be clear : I am not contesting the XXXX XXXX hard inquiry at this time. 

I am continuing to dispute the reporting, balance manipulation, and re-aging on the XXXX XXXXXXXX credit card account, as described in my Notice of Intent to File Suit dated XX/XX/year>. 

Your XX/XX/year> letter ( Ref. # XXXX ) addressing the auto finance inquiry does not satisfy my credit card dispute under FCRA 609, 611, and 623. Please ensure the appropriate team handles the credit card dispute separately. 

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Clarifying Letter to XXXX XXXX  Separation of Disputes To : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Clarification of Disputes Auto Finance Inquiry vs. Credit Card Charge-Off Account Dear XXXX XXXX Legal and Compliance Department, I am writing to clarify that my dispute regarding the XXXX XXXX credit card account # XXXX is separate from any concerns regarding the auto finance hard inquiry initiated by XXXX XXXX on XX/XX/year>. 

To be clear : I am not contesting the XXXX XXXX hard inquiry at this time. 

I am continuing to dispute the reporting, balance manipulation, and re-aging on the XXXX XXXX credit card account, as described in my Notice of Intent to File Suit dated XX/XX/year>. 

Your XX/XX/year> letter ( Ref. # XXXX ) addressing the auto finance inquiry does not satisfy my credit card dispute under FCRA 609, 611, and 623. Please ensure the appropriate team handles the credit card dispute separately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
Clarifying Letter to XXXX  XXXX Separation of Disputes To : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Clarification of Disputes Auto Finance Inquiry vs. Credit Card Charge-Off Account Dear XXXX  XXXX Legal and Compliance Department, I am writing to clarify that my dispute regarding the XXXX  XXXX credit card account # XXXX is separate from any concerns regarding the auto finance hard inquiry initiated by XXXX XXXX on XX/XX/year>. 

To be clear : I am not contesting the XXXX XXXX hard inquiry at this time. 

I am continuing to dispute the reporting, balance manipulation, and re-aging on the XXXX  XXXX credit card account, as described in my Notice of Intent to File Suit dated XX/XX/year>. 

Your XX/XX/year> letter ( Ref. # XXXX ) addressing the auto finance inquiry does not satisfy my credit card dispute under FCRA 609, 611, and 623. Please ensure the appropriate team handles the credit card dispute separately. 

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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: CA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX Balance : {$1800.00} Lates : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX Balance : {$1800.00} Lates : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
The following unauthorized hard inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following fraudulent accounts must be deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} ( Over credit limit ) Status : 180 % utilization, 48 % on-time payments fraudulent and unauthorized. 
XXXX. XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$1500.00} Status : 54 % on-time payments unauthorized and linked to ID theft. 
XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX XXXX XXXX {$70.00} XXXX. XXXXXXXX XXXX XXXX {$3500.00} The following collection accounts must be removed : XXXX XXXX XXXX {$89.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$320.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$470.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$2200.00}, Opened XX/XX/XXXX Legal Basis for Deletion : Under the FCRA 605B [ 15 U.S.C. 1681c-2 ], once a consumer submits proof of identity theft, the credit bureaus must : Block the fraudulent information within 4 business days of receiving documentation.

Notify the furnisher of the information.

Prevent the re-reporting of the blocked data.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), furnishers are prohibited from reporting fraudulent information after being notified by the consumer or credit bureau .

Under the Uniform Commercial Code ( UCC 3-501 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am asserting my rights to : Demand validation of any debt claimed ; Demand that no further attempts to collect or report unverified or fraudulent debt occur ; Cease and desist from all communication regarding the disputed accounts unless validation is provided.

Requested Action : 1. Immediately block and delete the fraudulent accounts, hard inquiries, and collections from my credit file.

2. Provide written confirmation of the deletions.

3. Send an updated copy of my credit report to the address listed above.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may prompt legal action under FCRA, FDCPA, and other applicable federal laws. 



Thank you for your prompt attention to this urgent matter. I look forward to resolution within the timeframe required by federal law. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal Complaint Against TransUnion Failure to Properly Investigate XXXX XXXX XXXX XXXX Collection Account and Provide Required Documentation

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