vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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 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 non-monetary relief
Consumer complaint received 2025-03-28 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Ter XXXX. 
XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Debt Validation Account # XXXX I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with the necessary validation of this debt, including but not limited to : XXXX XXXX XXXX XXXX, MI XXXX A detailed itemization of the alleged debt, including the principal, interest, and any fees. 

Proof that your agency is legally authorized to collect this debt. 

A copy of the original signed agreement or contract that obligates me to this debt. 

Documentation showing the chain of ownership from the original creditor to your agency. 

Until I receive the requested validation, I request that all collection efforts, including reporting this debt to credit bureaus, cease immediately. Failure to provide the requested information within the time required by law XXXX result in further actions to protect my rights. 

Additionally, please note that I do not consent to any phone communications regarding this matter. All correspondence must be in writing. 

Please acknowledge receipt of this request in writing and provide the requested documentation within 30 days of receiving this letter. If you are unable to validate the debt, I request that you remove any negative reporting associated with this debt from my credit report and cease further collection activities. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: First Technology Federal Credit Union
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " FIRST TECH FEDERAL CREDIT UNION '' - XX/XX/year> : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
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 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-28 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
Subject : Formal Complaint Against XXXX  for Withholding Funds & Unjust Account Closure Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX  ( a PayPal subsidiary ) for unlawfully withholding over {$440.00}, refusing to provide a valid reason for my account closure, and blocking access to my legally owned funds. This money was meant to cover a XXXX XXXX XXXX for my XXXX XXXX, which I have been unable to receive due to this issue. 
On XX/XX/year>, I received a {$600.00} payment through XXXX  after selling my old phone. Initially, I was able to access and use some of the funds, but then XXXX  randomly restricted my account and prompted me to verify my identity before allowing further transactions. I immediately submitted my government-issued ID, and my account was placed under review. Despite following their verification process, on XX/XX/year>, Venmo suddenly closed my account without warning or explanation, stating they would decide in XXXX months whether I would ever regain access to my remaining moneyover {$400.00}. 
I have contacted XXXX customer support multiple times, but they refuse to provide a reason for the closure. Their responses have been vague and automated, and they now claim they consider this matter closed, effectively stealing my money without any path for resolution. 
This has caused severe financial and medical hardship, delaying my procedure and worsening my health. After researching, I found countless other victims who have experienced similar unjustified account closures and withheld funds. Due to this pattern of behavior, I have initiated a class-action lawsuit against XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Skrill USA, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding Skrill 's inconsistent and potentially unlawful handling of my transaction disputes with merchant XXXX ( XXXX, XXXX ). 

On XXXX XXXX XXXX, I filed disputes for multiple transactions with XXXX totaling approximately {$350.00}, citing breach of contract as the basis for my claim. My dispute was based on the merchant 's failure to honor their contractual obligations regarding redemption policies for virtual currency, specifically their refusal to allow me to redeem approximately {$4000.00} in winnings by implementing banking restrictions that were not disclosed in the original terms and conditions I agreed to. 

Skrill has inconsistently ruled on these disputes despite all transactions relating to the same merchant and identical claim : 1. On XXXX XXXX XXXX Skrill approved my dispute for one transaction of {$19.00} ( case ID XXXX ) and issued a credit. 

2. On XXXX XXXX XXXX, Skrill approved another dispute for a {$4.00} transaction with the same merchant.

3. On XXXX XXXX XXXX5, Skrill inexplicably denied my dispute for a {$29.00} transaction with the same merchant.

4. Also on XXXX XXXX XXXX, Skrill denied the remaining disputes for multiple transactions totaling over {$300.00} with the same merchant. 

This inconsistent handling of identical disputes against the same merchant demonstrates arbitrary decision-making that violates consumer financial protection laws. All transactions stemmed from the same contractual relationship and the same breach by the merchant. By approving some disputes while denying others without a clear rationale, Skrill has failed to adhere to its obligations for fair and consistent dispute resolution.

I have attempted to resolve this issue directly with Skrill by : 1. Sending a detailed appeal on XXXX XXXX XXXX highlighting the inconsistent decisions 2. Following up with additional information on XXXX XXXX XXXX 3. Waiting the promised 24-hour response time, which has now exceeded 48 hours with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION has violated my rights.

EQUIFAX has violated my rights.

EXPERIAN has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
These items are reporting inaccurately on my credit report and need to be removed in the next 20 business days.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX Fecha : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX, OK XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXXACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$9800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$6900.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$5100.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$9400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 
XXXXOutdated Address : My current residential address is [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I request that my current address be updated accordingly. 
I have enclosed copies of supporting documents to verify the accurate information provided above, including : A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that [ Experian ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
I am filing this complaint because there is a collection reporting on my equifax credit report unlawfully sharing my Non Public Information without my consent in violation of the XXXX XXXX XXXX XXXX ( b ). 

I am aware of Equifax being sued for failing to maintain reasonable procedures violating the rights of consumers by attempting to avoid doing what is required in accordance with 15 USC 1681 ( e ) ( b ) etc. and now Equifax must pay a fine to the Federal Government consisting of millions of dollars. 
This is due to how Equifax mistreated customers by mishandling their disputes. 


Equifax is required by law to respect my right to privacy and ensure accuracy and fairness in their reporting. The presence of the negative mark on my credit report is information regarding remarks I did not give consent to have furnished on my credit report and I was not given the option to OPT- OUT of having my Non Public Personal Information shared, transferred.I now officially would like to opt out of having my non public personal information shared without being sent disclosure or opt out notice.Equifax is a credit reporting agency that is required by law to respect my right to privacy. XXXX XXXX XXXX et. seg. XXXX XXXX XXXX, XXXX ( b ), a financial institution may not disclose non public personal information to a non affiliated XXXX party unless a consumer can exercise a non disclosure option prior to my non public personal information being shared. I do not recognize this debt! Additionally, I do not know the reason XXXX XXXX XXXX is on my report. 
I consider this harassment! 
XXXX is illegally appearing on my credit report for any reason other than to force and harass me into wrongfully paying a debt that I do not recognize. 
I demand this item be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
The company has been contacted repeatedly to remove this debt from my credit report because it does not belong to me.

Company response to consumer: Closed with non-monetary relief