vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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:
You are hereby formally notified, under federal law, of a fraudulent account being reported on my credit file. This is not a request. This is a legal demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FCRA 605B, you are legally obligated to block and remove this account within four ( 4 ) business days of receiving this notice. Failure to comply would constitute a direct violation of federal lawnot a discretionary oversight. This account is not only inaccurateit is fraudulent, and your continued reporting of it constitutes a deliberate violation of your duty to report only accurate, verified data. 
Under FCRA 611 and 1681i, any attempt to verify this account must be supported by formal, sworn documentationsigned, dated, and originating from the original creditor. Internal notes or unverifiable data will be treated as an outright violation of FCRA obligations. Reproducing unverifiable data does not constitute verificationit is a violation of your obligations under FCRA 1681i ( a ) ( 1 ) ( A ) and 611, which require you to conduct a reasonable reinvestigation and ensure the accuracy of information. 
If you fail to act within the required timeframe, I will proceed with formal complaints to the CFPB, FTC, and my state Attorney General, and I am fully prepared to pursue legal litigation in U.S. federal court for willful noncompliance and statutory damages. You are on notice. Govern yourself accordingly. 
Creditor name : XXXX XXXXXXXX XXXX Account Number : XXXX date opened XX/XX/year> amount : 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 2025-04-23 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: TX

Complaint narrative:
CFPB please look in to this dispute Experian refuses to investigate disputes stating section 611 { a } { 3 } { A } they say they dont have my personal information I have used there own web sight login with all my personal information on file also the CFPB web sight has my personal information, these are the 2 web sights I use, in there email 2 today XXXX 2025 time XXXX for both there emails, I have know idea which disputes they are because they do not reference any disputes at all THIS HAS TO BE A STALL TACTIC BY EXPERIAN .I request that they Experian report back through the CFPB what these 2 accounts are. they state they need my name and address but they have my email they have all information please get to the bottom of this. enclosed is the 2 email they sent

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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the FCRA primarily sections 607 and 609 states the requirement for credit reporting agencies to ensure the accuracy of the information they report.This is not my debt and the account was already removed from my credit report due to being inaccurate or unverifiable.Im also aware that if a collection account is improperly re-added without following the legal requirements, it may constitute a violation of the FCRA, and that I have grounds for legal action.I was never made aware of this account potentially being re-added to my report which from my understanding should I have had.Im request that this account to be removed for it is not mind or must provide validation of the debt.

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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Per the Texas Penal Code Sec. 92.016. RIGHT TO VACATE AND AVOID LIABILITY FOLLOWING FAMILY XXXX, the apartment were notified that there was an emergency protective order in place and that XXXX XXXX advised that XXXX XXXX was no longer safe at the address. Per Texas Penal Code Sec. 92.016., the emergency protective order allows A tenant to exercise the rights to terminate the lease under Subsection ( b ), vacate the dwelling before the end of the lease term, and avoid liability beginning on the date after allof the following events have occurred. The apartments were notified on XX/XX/year> that I needed to activate this right and vacate and they agreed. The order of protection was also given to the apartments. Per the penal code, a 30 day notice is needed and I was moved XXXX XXXX. Also I never received a dunning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I am a victim of identity theft. Upon reviewing my credit report, I discovered several accounts that I did not open and have no knowledge of. These accounts were established without my authorization or permission. I did not give anyone consent to access or use my personal information for any financial activities. I am disputing these fraudulent items and request that they be investigated and removed from my credit report 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 non-monetary relief
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
i was recently reviewed my credit report and noticed that there were fraudulent accounts that i did no authorize. under the fair reporting act FCRA, 15 U.S.C.1681 I have the right to dispute inaccurate, fraudulent or unverifiable information on my credit report. I request that this account be remove from my credit report 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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX email : XXXX Hello, my name is XXXX XXXX XXXX and i have been unable to withdraw from my paypal account and it has been limited for over 180 days. Your company has been asking me for documents that I have already submitted ; I already sent all the documents requested. My paypal account got limited permanent and they told me i will have withdraw ability after 180 days. 180 days have come and gone a long time ago, and now when I am trying to log in to my paypal account, it says my account is locked which means i cant withdraw my money. I contacted them multiple times and they never provided any definitive answer of when I could access my own money again. I am hoping to regain access to my account, so that I may withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
OUR BANK XXXX TRANFER TO AN UNKNOWN ACCOUNT TO PNC CLIENT THE PNC REFUSE TO REFUND US AND GIVE ANY INFORMACION ABOUT NAMED ACCOUNT.

OUR BANK XXXX SAID PNC MUST RETURNED THE TRANFER TO US SO WE CAN WRITE A XXXX XXXX XXXXXXXX XXXX XXXX PLEASE HELP US WE NEED THE FUND TRACKING NUMBER OF THE TRANSCATION IS XXXX AMOUNT OF {$2000.00} DATE XX/XX/year> UNKNOWN BANK ACCOUNT FUND MUST BE RETURNED TO XXXX TO REFUND XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: VA

Complaint narrative:
My account was closed with money in it I couldnt access it and never could make a new one with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: OH

Complaint narrative:
As of 15 USC 1692 G 1 I need a full detailed list of payment history on this account 2 I want to see the original wet signature. I agree to on the contract for this creditor.

3 has there been any insurance claims on this debt?

4 I want the chain of title /custody that you have to collect on this debt.

If you can not provide all of these documents that it needs to be removed and deleted from my credit report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX  recorded fraudulent documents in the XXXX XXXX XXXX of Deeds XX/XX/year> and then used these documents as a basis to claim ownership of my property and pursue summary process eviction against me in the XXXX XXXX XXXX - XXXX attempted felony theft of my $ XXXX property. I have been terrorized and pursued by these predators and white collar criminals for 15 years now - federal agents need to investigate their operations and arrest them in accord with the law to finally bring an end to the grotesque property pillaging. They are abusing the law and the Courts and and violating the rights of we, the people - fraud against the Courts, the Commonwealth and we, the people. I DEMAND an investigation and forward to the FHFA Director and FNMA Board of Directors Chairman XXXX as well, specifically naming preliminarily : XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Citizens XXXX XXXX, XXXX XXXX, XXXX XXXX - Citizens, XXXX XXXX - XXXX Auction, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auction, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Discover for a {$170.00} charge made to a merchant listed as " XXXX * XXXX '' ( XXXXXXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX. The product I received was misrepresented online, and I reached out to the merchant for a refund. 

On XX/XX/XXXX, the merchant responded by email stating that if I returned the product unopened, a full refund would be issued. I immediately shipped the product back with tracking and provided proof of delivery. 

However, the merchant then told me that they could not issue a refund since I filed the dispute with Discover. Believing this was necessary to complete the refund, I canceled the dispute in good faith. 
After the dispute was closed, the merchant reversed course and refused to process the refund, stating that there is no option for us to refund because Discover had closed the dispute. I now have no product and no refund, despite fulfilling every condition the merchant provided. 
I contacted Discover, who declined to reopen the case leaving me without recourse. 
This merchant clearly manipulated the dispute process by : Agreeing to a refund in writing ( I have XXXX emails ) Refusing the refund once Discover could no longer reopen the case I am requesting that Discover reopen the case or provide a credit, as this was a deceptive merchant practice and not a legitimate denial of services or policy breach on my end. 
As of today, XX/XX/XXXX, I have received no response from XXXX XXXX XXXX after sending a formal escalation with all supporting documentation on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-23 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 am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, l have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 
The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated.

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute.

Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. 
Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 
In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation