vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed some hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

The inquiries I am disputing are as follows : - Creditors Name andDate of 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 I did not authorize these inquiries, and I request that it be * * investigated and removed * * from my credit report immediately. 

Please provide me with written confirmation once the inquiries have been removed. I already filed my FTC Identity Theft Report its been a while, I have also contacted the creditors directly to request the withdrawal of Theseinquiries, I sent proof of my identity over my driver license and my SSN. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed some hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

The inquiries I am disputing are as follows : - Creditors Name andDate of 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 I did not authorize these inquiries, and I request that it be * * investigated and removed * * from my credit report immediately. 

Please provide me with written confirmation once the inquiries have been removed. I already filed my FTC Identity Theft Report its been a while, I have also contacted the creditors directly to request the withdrawal of Theseinquiries, I sent proof of my identity over my driver license and my SSN. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
This is a formal, final demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Uniform Commercial Code ( UCC 1-308 & 3-501 ).

You are hereby notified and put on legal notice that the following credit inquiries appearing on my Experian credit file are fraudulent, unauthorized, and damaging. I have never given written authorization for these entities to access or pull my consumer credit profile, which is required by law ( FCRA 604 ) .Immediately delete and block the above-listed inquiries from my Experian file. 

Cease and desist from reporting any unauthorized inquiries or fraudulent data in violation of federal law. 

Provide me with a written confirmation of deletion within 15 days of receipt of this letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
This is a formal, final demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Uniform Commercial Code ( UCC 1-308 & 3-501 ).

You are hereby notified and put on legal notice that the following credit inquiries appearing on my Experian credit file are fraudulent, unauthorized, and damaging. I have never given written authorization for these entities to access or pull my consumer credit profile, which is required by law ( FCRA 604 ) .Immediately delete and block the above-listed inquiries from my Experian file. 

Cease and desist from reporting any unauthorized inquiries or fraudulent data in violation of federal law. 

Provide me with a written confirmation of deletion within 15 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am writing to demand the immediate removal of a debt that has been reported on my credit file, despite it having been discharged as income under IRS guidelines. As shown in the 1099-C form I have attached, the debt has been officially canceled by the creditor, and it is no longer a liability I owe. This continued reporting of the debt as an outstanding liability is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The debt in question was discharged in the amount of {$75000.00} in, and the creditor has properly reported it as income on the attached 1099-C form for the tax year 2024. According to 15 U.S.C. 1681i of the FCRA, I am entitled to dispute and have corrected any inaccurate information on my credit report. As this debt is no longer owed, it is inaccurate and misleading to continue reporting it as an outstanding liability. This removed from the credit bureaus last year, and they put it back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am writing to demand the immediate removal of a debt that has been reported on my credit file, despite it having been discharged as income under IRS guidelines. As shown in the 1099-C form I have attached, the debt has been officially canceled by the creditor, and it is no longer a liability I owe. This continued reporting of the debt as an outstanding liability is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The debt in question was discharged in the amount of {$75000.00} in, and the creditor has properly reported it as income on the attached 1099-C form for the tax year 2024. According to 15 U.S.C. 1681i of the FCRA, I am entitled to dispute and have corrected any inaccurate information on my credit report. As this debt is no longer owed, it is inaccurate and misleading to continue reporting it as an outstanding liability. This removed from the credit bureaus last year, and they put it back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX as the original creditor. The account is listed as opened in XX/XX/year> but was already reported as a collection with a {$3400.00} past due balance by XX/XX/year>. No supporting payment history, dates of delinquency, or itemized charges are provided. The account only shows placed for collection without documentation from the original creditor. Reporting a newly opened account as an immediate collection without verification is incomplete, misleading, and not in compliance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Several accounts and hard inquiries on my credit report are not mine. I did not open the following accounts : XXXX XXXX, and the collections listed as XXXX XXXX I and XXXX XXXX XXXX. No payments were made on these accounts by me. I also did not authorize the following hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I previously disputed these items with the credit bureaus and requested validation of ownership, payment history, and authorization. The companies have not provided proof that these accounts or inquiries belong to me. I am requesting that these incorrect and unauthorized accounts and inquiries be investigated and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I use on XX/XX/XXXX of XXXX at XXXX PayPal to receive some money for a simple pay of XXXX When I created my account PayPal only said that I have to wait 24 hours to have the money with me The 24 hours passed and they keep holding my money because they want to make you by force use the system to do the shipping and tracking I sold a small solution that does not need shipping or tracking or nothing, but they still want to keep money I try to refound the money, but according to PayPal this will take until XX/XX/XXXXXXXX  ( added image with the date ) I called them and they gave no solution, the first time they told me was related to updates in the server and the second time, XXXX XXXX me I just need to wait 21 days, or 7 days, no other option The call was made on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a credit inquiry put on all 3 credit reports. The inquiry is not mine and fraudulent. The inquiry took place in XXXX of XXXX. The inquiry was for a XXXX XXXX credit card. I contacted XXXX XXXX. Once I proved to them that this was not my application and that it was someone who tried to fraudulently open an account, they stopped the application process and stated that they would not send me anything in the mail but they would submit something to all 3 credit bureaus to have the inquiry removed. XXXX  and XXXX  have since removed the inquiry. I have relentlessly tried to get Equifax to remove the inquiry... I have filed multiple disputes ... but Equifax refused to remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
This response does not address my complaint. I did not file a dispute about inaccurate accounts or tradelines. My concern is about unauthorized access, resale, and distribution of my personal data, which is a violation of my privacy rights and FCRA protections. 
To be clear : My credit report and personal identifying information were accessed and shared by companies and data brokers without my consent. 
This information has appeared on numerous background check and people-search websites despite my having placed freezes with all three credit bureaus. 
My safety has been affected, and I have received suspicious calls directly tied to this exposure. 
Equifaxs response treated my complaint as if I was disputing account accuracy, which is not the case. I am raising an issue of unauthorized collection and dissemination of sensitive consumer information, and Equifax has failed to address that. 
I am requesting a proper investigation into how my data was accessed and shared without consent, and what remedies Equifax is providing to prevent further unauthorized use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX XXXX Date : XXXX Columbia Debt Recovery, LLC dba Genesis Credit RE : Cease and Desist Collection Activities To Whom It May Concern, I am writing to formally request that Columbia Debt Recovery, LLC dba Genesis Credit cease and desist all communication with me regarding any alleged debt. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants consumers the right to demand a halt to contact from debt collectors. 

You are hereby notified to cease all collection activities, including but not limited to : Phone calls ( to me, my family, or my workplace ) Written correspondence Electronic messages Any form of third-party contact related to this alleged debt If you believe I owe a debt, I request full validation of the debt as outlined under 15 U.S.C. 1692g. Unless you provide the requested validation, you must not contact me again regarding this matter. 

Please be advised that failure to comply with this request may result in legal action being taken against your company for violation of federal law, including the pursuit of monetary damages and attorneys fees. 

I recommend that you retain this letter for your records to demonstrate compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing billing and reporting errors that are negatively impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits. However, my credit report reflects the following issues : Payments I made were not properly recorded. 

Errors exist in the calculation and reporting of account balances. 

I was not provided with the required 21-day notice before a payment was due, making any reported late payments invalid.

These inaccuracies constitute a clear violation of federal law and have caused unfair harm to my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
Around middle of XXXX I went to XXXX gas station and loaded {$100.00} onto my cash app card that had a cash tag of XXXX. After I deposited this money, I realized that I did not have access to this account on my phone and asked my girlfriend to send me {$5.00} to cover the ATM fee so that I could go withdraw the money at the ATM but the ATM wouldn't allow me to. So, I used the chat on cash app and tried gaining access to this account and also asked if they could just transfer the funds from XXXX to XXXX ( which I have access to ) and they said due to security measures they couldn't complete it and to try again later. So I tried the chat again the next day and the same thing happened except for the customer service person said they were going to file a complaint and that a manager would reach out to me. Well, today on XX/XX/year> I responded to the managers email and they couldn't transfer the money either so I still have yet to get my {$100.00} dollars back from them and I desperately need that money for dog food and cat food for my pets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I sent SANTANDER XXXX  USA 2 promissory notes with face value of {$27000.00} each to pay of the remainder of the loan, first one received Monday XX/XX/year>, XXXX XXXX # XXXX XXXX XXXX. Secon note received Saturday XX/XX/year>, with USPS tracking # XXXX. Santander was also notified of the laws governing my right to tender payment in this way, such as Presidential proclamation XXXX, XXXX, XXXX, & XXXX, Federal Reserve Act page 78 401 title iv, federal Reserve Act page 79 401 title v, federal Reserve Act 401 Page 83 paragraph 1, Federal Reserve Act 401 Page 83 paragraph 1, and HJR 192. Additionally, they were notified by me in writing that U.C.C. 3-603 outlines conditions for discharge of dept. Their only reply to me was, " you can't do that ''. I have proven claim with law, but they have given me hearsay. My notes came with a condition which reads not the truthfulness, accuracy, or validity of that document. Failure to return this tender of payment within 7 days constitutes acceptance of contract and matter settled. They have not credited my account or given me my tittle. They are violating the law and my rights, and this is harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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