vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have never had an account with this company... and I do not owe this amount. This was reported identity theft issue. Do I need to file a police report. What do I need to do to remove this from my account

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 2025-05-15 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: DE

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I disputed a collection account tied to XXXX XXXX and XXXX XXXX XXXX. Equifax responded with a copy of my credit report not verification. 

They failed to provide a signed contract, bill of sale, chain of title, or proof of permissible purpose under FCRA 1681b.

Their response is a stall tactic and a violation of 1681i. They are continuing to report unverifiable debt and refusing to delete the account after a lawful dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-05-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: SC

Complaint narrative:
I applied for a refinance on mortgage where a judgement handled by Unifin appeared. I had truly forgotten it as it was XXXX years old. I negotiated a settlement offer. Unifin agreed and provided letter stating settlement payoff amount and stated judgement fulfilled. Unfortunately XXXX XXXX sent the full amount to Unifin. I caught the error immediately and requested a solution immediately. XXXX XXXX actually tried to have me fix their error. I stated not my mistake. XXXX XXXX  did not read body of letter clearly. XXXX XXXX contacted Unifin and I have as well and all we receive are lies and excuses in regards to refund. Unifin does not return calls or reply to emails. I am furious and fed up. Very unprofessional business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am the victim of Identity theft. I sent letters that were notarized with my identification to each of the credit bureau 's, ( Experian, Equifax, TransUnion ). I also provided them with the XXXX XXXX XXXX XXXX XXXX police report number. All I recieved was an envolope full of photo copied contracts that someone else signed.The fraudulent accounts and inquiries were never removed from my consumer report while an investigation took place, according to section 623 of the FCRA. Which never occurred. This Fraudulent information in my consumer report has stopped me from getting employment, and housing. Please Help. Thanks in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am the victim of Identity theft. I sent letters that were notarized with my identification to each of the credit bureau 's, ( Experian, Equifax, TransUnion ). I also provided them with the XXXX XXXX XXXX XXXX XXXX police report number. All I recieved was an envolope full of photo copied contracts that someone else signed.The fraudulent accounts and inquiries were never removed from my consumer report while an investigation took place, according to section 623 of the FCRA. Which never occurred. This Fraudulent information in my consumer report has stopped me from getting employment, and housing. Please Help. Thanks in 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 2025-05-15 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT INQUIRIES : * XXXXXXXX XXXX ON XX/XX/XXXX * XXXX  XXXX XXXX ON XX/XX/XXXX * XXXX  XXXX ON XX/XX/XXXX * XXXX XXXX  ON XX/XX/XXXXXXXX XXXX XXXX ON XX/XX/XXXX * XXXX  ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX  Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: MO

Complaint narrative:
This account was fradulently opened in 2022. I have disputed the collection of {$310.00} and {$140.00} but to no resolve. I have no knowledge of this account or how it was authorized to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX The account in question does not appear on my credit file. ACCOUNT: XXXX  is a debt buyer and original debt does not appear on account. I asked them to provide proof of signature that I have done business with them.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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 a Accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$10000.00}XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XXXX bal. {$1100.00}, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX. XXXX, XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$500.00}, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX tab bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$430.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$350.00}. These accounts 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-15 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I did not authorize these companies to access my credit report, nor did I apply for credit with either of them. These inquiries were made without my knowledge or permission, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ). That section explicitly states that hard inquiries can only be made with the consumers authorization or in connection with a credit transaction initiated by the consumer neither of which occurred in this case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was alerted through XXXX XXXX that a Line of Credit with Citizens Pay was added to my XXXX  credit report. 

I had no knowledge of this account, and the associated address didn't match any I had ever lived at, so I immediately disputed it through XXXX XXXX ( I also froze my credit ). After a few weeks, however, I was told that my dispute was denied. Soon after, XXXX XXXX reported that " This account was closed on XX/XX/XXXX '', and in XXXX, the XXXX XXXX payment history showed that the account went from " Current '' to " Not Current ''. Eventually, in XX/XX/XXXX, the payment status was changed to " Charge-off '', and the payment history changed to " No Data ''.

Then, just a week ago, I received another email from XXXX XXXX that the account status had changed, and in the payment history it had starting showing as " Not Current '' again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I have been enrolled in an XXXX through Optum Bank with an automatic deposit from my paycheck for the last 10 months or longer. I have turned in the itemized medical bills to be paid by Optum Bank. I have turned in 3 claims to be paid ( for a total of around {$700.00} ). They took the money out of my balance for the claims and have not paid my medical providers. I uploaded more receipts for medical services. Not only did they refuse to pay, but Optum Bank suspended my XXXX card with a positive existing balance keeping all of my money and not paying a dime. They have not paid on any of the bills I owe. I called there and spoke with their representative. I confirmed they suspended my card. I cant access the claims I made and they want ME to make a payment!!! That is what my claim status is when I log in to my account. Why? I have no way to retrieve my money from them. XXXX XXXX, need my meds and my doctors paid not a run around with my funds. In good faith I trusted my medical bills would be paid and they are not. I can't trust this bank to complete their fiduciary duty. I am having to contact my employer to cease and desist sending any further payments. Can you please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> I sent {$2100.00} to a seller in XXXX to purchase a dress for my daughter. On XX/XX/XXXX, the seller shipped the dress and provided tracking information through PayPal so I could see that the dress was on the way. On the morning of XX/XX/XXXX I woke up to several messages from the seller stating that PayPal was going to hold the funds for 180 days before releasing them to her. After providing all documents requested by PayPal they stood by holding the money for 180 days and immediately put her account on a permanent limited suspension. She was also told that it was my responsibility to contact PayPal to get a refund. She immediately contacted the shipping company to intercept the package and have it returned to her, which can be verified by the tracking number. Upon hearing this I called PayPal to request a refund and was told that since the transaction was already completed the seller would have to cancel herself. So, neither of us are able to initiate a refund and PayPal is holding my {$2100.00} hostage. I opened a dispute providing documents saying we both agreed to the return of my funds, the package is back in the hands of the seller, and showing that the sellers account has been permanently limited suspension. PayPal refuses to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

CEFCU Please remove it from my credit report.

11. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX  XXXX Please remove it from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief