vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$76.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, PayPal withdrew {$590.00} USD from my account without any prior notice, legal order, or opportunity to dispute the transaction. This withdrawal appears to be connected to a XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XXXX Creations ( Case No. XXXX )- in which I was named as a defendant. 

I reside in XXXX, XXXX, and was never served with a complaint, summons, or any notice about this legal action. I only learned of the lawsuit after my funds had already been seized. I had no knowledge of any pending or resolved litigation at the time of the withdrawal, and later discovered that a default judgment was entered without my knowledge or proper service. 

The plaintiffs law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claimed service was made via email on XX/XX/XXXX, but my email records ( attached ) show no such communication. The first message I received from them was on XX/XX/XXXX XXXX  days after the judgment was entered. Prior to that, the firm ignored all of my messages. This raises serious concerns about misleading service claims and participation in what appears to be a Strategic Allegation of Disputes ( SAD ) scheme, used to exploit intellectual property law. 

Before the funds were withdrawn, I attempted to resolve the issue through PayPals Resolution Centre, but I was : - Locked out of the Resolution Centre entirely - Denied the ability to file a dispute or contact human support - Redirected to automated bots with no email or phone contact available - Not provided with a justifiable reason why my account was blocked, and just referred to the law firm. 

Despite multiple inquiries, PayPal has refused to provide a copy of any court order or explain the legal basis for the withdrawal. The only response I received was vague and unhelpful. 

As a recipient of XXXX XXXX  payments in XXXX ( XXXX ), I rely on my PayPal account money for essential living expenses. This unauthorised withdrawal, combined with the lack of notice or dispute options, caused significant financial and emotional distress. 

To defend myself, I have : - Filed a Motion to Dismiss and a Motion to Vacate Default Judgment with the XXXX XXXX XXXX ( XXXX  ). 
- Filed complaints with the Attorney XXXX XXXX XXXX XXXX ( XXXX  ) and the XXXX  XXXX XXXX XXXX ( XXXX ) against the Plaintiffs attorneys for misconduct and legal entrapment - Provided evidence showing the image in question was licensed and sold only once in XXXX years, suggesting a targeted purchase intended to trigger litigation PayPals role in this matter appears complicit by : - Executing an unauthorised seizure of funds without due process - Blocking my access to dispute mechanisms- Failing to provide human contact or a clear justification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damage s resulting from your willful or negligent noncompliance. Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or
communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-21 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: GA

Complaint narrative:
I have filed a complaint with the FTC in regard to unrecognized inquiries on my credit report. The inquiries in question are 1.XXXX - Inquiry date XX/XX/XXXX -XXXX report - never applied, fraudulent inquiry. 

2.XXXX XXXX - Inquiry Date XX/XX/XXXX - XXXX Report - never applied, fraudulent inquiry 3.XXXX/XXXX  - Inquiry Date XX/XX/XXXX - XXXX Report -never applied, fraudulent inquiry

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 2025-04-21 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX * * * * * * Balance Owed : {$780.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$880.00} XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Several complaints on Resurgent Capital Services and its third party minions like LVNV have been filed to no avail. These fraudulent debt collectors continue to lie and obfuscate the issues in the complaints. The last complaint was filed on XX/XX/XXXX where I provided a copy of the Bill of Sale. In the Bill of Sale it validates that the alleged debt was purchased by MHC Receivables on XX/XX/XXXX. This Bill of Sale is evidence alone that Resurgent Capital Services is lying and attempting to fraudulently collect on a debt they do not own. 15 USC prohibits deceptive practices where a debt is not owned and collection upon that debt not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and delete this immediately in my report : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
The information with payment history is incorrect, it states that Im 90 days late on a first time payment, that alleged late payment needs to be suppressed of XX/XX/year>, this is incorrect information on this account that i have attacthed

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 2025-04-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed inquiries to be remove and deleted company information from TransUnion. 

Please delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft I am writing to formally request the removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have been a victim of identity theft, and I have identified specific information on my credit report that is not related to any transaction I have made. 

Please find the details of the fraudulent information below : Account Name : XXXX XXXXXXXX Account Number : XXXX I have enclosed the following documentation to support my request : A copy of the identity theft report filed with the Federal Trade Commission ( FTC ), reference number : XXXX. 
In accordance with FCRA 605B, I request that you block the reporting of this information within four business days of receiving this request. Additionally, please notify the furnisher of this information that an identity theft report has been filed and that a block has been requested. 

Please confirm in writing that the fraudulent information has been removed from my credit report. If you need any further information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries and Correction of Personal Information Dear TransUnion Dispute Department, I am writing to formally dispute certain hard inquiries on my credit report that I did not authorize. Additionally, I have noticed that my name is incorrectly listed as XXXX XXXX on your records. My correct full legal name is XXXX XXXX. 

Please correct my name on all records to reflect the accurate spelling : XXXX XXXX. 

Below is a list of hard inquiries that appear on my TransUnion credit report as of XX/XX/XXXX, which I am disputing as unauthorized : Disputed Hard Inquiries : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXXXXXX XXXXL Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX  XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry Date : Not listed Type : Banks and XXXX & XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Banks and XXXX XXXX XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Finance Other Than Personal Phone : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX Type : Banks and XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I am requesting that TransUnion initiate an immediate investigation into these inquiries. As per the Fair Credit Reporting Act ( FCRA ), unauthorized or fraudulent hard inquiries must be removed promptly from my credit report. I did not authorize any of these companies to pull my credit, and I am not currently engaged in any business or loan agreements with them. 

Please provide written confirmation of the results of your investigation and send an updated copy of my credit report reflecting the removal of the disputed inquiries and correction of my name. 

If you require any additional information or documentation to proceed with this dispute, do not hesitate to contact me. 

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 2025-04-21 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: IL

Complaint narrative:
I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting two detailed reinvestigation requests Equifax, the credit bureau has failed to ensure the maximum possible accuracy of my credit report. 
These violations have resulted in persistent inaccuracies in my credit file, including incorrect accounts as follows : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Name * * ( Equifax, Experian, or TransUnion ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Under 15 U.S.C. 1681i and Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 * * To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report pursuant to * * 15 U.S.C. 1681i * * of the Fair Credit Reporting Act ( FCRA ). Additionally, I request that the following information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as it stems from identity theft.

# # # * * Disputed Information : * * The following items on my credit report are inaccurate and/or fraudulent : 1. * * Creditor Name : * * [ Name of Creditor/Collection Agency ] * * Account Number : * * [ Last 4 digits or full account number, if safe to provide ] * * Reason for Dispute : * * [ Incorrect balance, fraudulent account, not my account, etc. ] 2. * * Creditor Name : * * [ Name of Creditor ] * * Account Number : * * [ Last 4 digits ] * * Reason for Dispute : * * [ Inaccurate late payments, identity theft, etc. ] # # # * * Supporting Documentation : * * I have enclosed copies ( not originals ) of the following documents to support my dispute : - Copy of my government-issued ID - Copy of my Social Security card ( or last 4 digits ) - Copy of a recent utility bill or bank statement ( proof of address ) - * * Identity Theft Report * * ( if applicable, per 1681c-2 ) - Police report ( if identity theft is involved ) - Any other relevant proof ( billing statements, correspondence, etc. ) # # # * * Legal Request : * * Under * * 15 U.S.C. 1681i ( a ) ( 1 ) * *, you are required to conduct a reasonable investigation within * * 30 days * * and correct or delete any inaccurate, incomplete, or unverifiable information. 

If this dispute relates to * * identity theft * *, I request that the fraudulent information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as I have provided an identity theft report and supporting documentation.

Please * * correct my credit report * * and provide me with an updated copy once the investigation is complete. Additionally, under * * 15 U.S.C. 1681i ( d ) * *, please provide the name, address, and phone number of any furnisher that was
contacted regarding this dispute.

* * Failure to comply with the FCRA may result in 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 2025-04-21 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: MI

Complaint narrative:
XXXX XXXX account : ( XXXX ) is reporting inaccurate according to 15 us code 1681 and the FCRA to all 3 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 2025-04-21 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: IL

Complaint narrative:
This is my first dispute regarding three potentially inaccurate and negative accounts being reported on my Equifax credit file. These include : XXXX XXXX Listed as closed and potentially negative. Last updated XX/XX/XXXX. 
XXXX Charged off with {$49000.00} past due and {$51000.00} written off. Last updated XX/XX/XXXX. 
XXXX XXXX Closed credit card account with a {$13000.00} balance. Last updated XX/XX/XXXX. 

I am requesting verification of each account under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), including original documentation used to verify their accuracy. If Equifax can not verify these accounts, I request they be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief