vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-09 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
XXXX/XXXX  XXXX {$3300.00} XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
XXXX/XXXX  XXXX {$3300.00} XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$310.00}

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 2025-07-09 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including two unsecured loans reported by XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$10000.00} and account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  for {$25000.00} and two collection accounts reported by XXXX XXXX XXXX XXXX XXXX ), account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  for {$2500.00} and another under the same account number opened on XX/XX/XXXXXXXX  for {$4400.00}. These accounts were added to my credit report without my knowledge or authorization. 
These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX and XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts include two opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} and another on XX/XX/XXXXXXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of $ XXXX well as two collections reported by XXXX XXXX both opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with balances of {$2500.00} and {$4400.00} respectively. These fraudulent items have led to multiple unauthorized hard inquiries and negative impacts on my credit file. I demand that all four accounts be removed from my consumer credit reports and that any associated collection activity be ceased immediately, pursuant to my rights under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00}

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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, IN XX/XX/year>XXXX  LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Subject : Request for Debt Validation Account # XXXX Dear LVNV Funding LLC, I am writing to formally request validation of a debt that you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a notice regarding this alleged debt, and I am requesting the following : 1. Verification that LVNV Funding LLC owns the debt and has the legal right to collect it.

2. A copy of the original signed agreement or contract with the original creditor.

3. A full account history, including the original creditors name, the amount owed, and any payments made.

4. Proof of last payment date and the date of default, to determine if the debt is within the statute of limitations for collection in my state.

5. A breakdown of the total amount claimed, including interest, fees, and any other charges. 



Until you provide this requested information, I do not acknowledge ownership of this debt, and you must cease all collection activities, including reporting this debt to credit bureaus, as per FDCPA 15 U.S.C. 1692g ( b ).

If you can not validate this debt within 30 days, I request that you : Remove any negative reporting related to this debt from my credit file. 

Cease all further communication regarding this matter. 



Please respond to this request in writing at the address listed above. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to file an official complaint against PayPal for failing to protect my account, mishandling multiple unauthorized transactions, and not following proper procedures in their dispute resolution process. 

Recently, I discovered several charges on my PayPal account that I did not authorize. Some of these transactions are completely unfamiliar to me, and others were charged without my consent. I followed the appropriate steps and submitted formal disputes through PayPals Resolution Center.

However, my disputes were quickly denied with no adequate explanation, no evidence provided, and without the appropriate investigation timeline. The platform did not allow me to properly contact or reach out to the merchant responsible, as no contact information was listedonly a name. I attempted to locate the businesses independently, but my efforts were unsuccessful. PayPal did not assist in any way to facilitate communication with the merchants. 

Their denial of my claims was not only abrupt but also unjustified. I was never shown any documentation or proof used to deny my refund requests, despite multiple attempts to get answers. I was simply left without resolution or recourse. 

This is not the first time PayPal has failed to protect my account or properly manage disputes. I believe this repeated negligence violates consumer protection laws and puts users at risk of financial harm. 

I am requesting the following from the CFPB : A full investigation into PayPals handling of my unauthorized transaction disputes. 

A review of PayPals dispute procedures and compliance with federal consumer protection laws.

That PayPal provide me with a copy of all documentation and evidence used to deny my refund requests. 

That I be issued the appropriate refunds for all unauthorized charges. 


I am attaching relevant screenshots and documentation of the disputed transactions, PayPals resolution responses, and my attempts to reach the merchants. I hope the CFPB can help bring fairness and accountability to this matter.

Thank you for your time and assistance. 

Recent disputes filed on or about the XX/XX/scrub>XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MS

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 non-monetary relief
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I have a Robinhood account that's a crypto account that on XX/XX/XXXX I was a victim of a scam that accidentally sent crypto ( {$1200.00} value of XXXXXXXX XXXX ) to an unknown address that look legitimate company. I reported it to Robinhood and the FBI. Robinhood on XXXX XXXXXXXX  restricted my account from sending or receiving crypto. They keep saying I violated the user agreement but won't specify what part of it in chat or phone. I would like to resolve this by being allowed to send and receive crypto again as I was a victim of a scam. I have a XXXX account that I would like to send crypto to my robin hood based off a higher yield they provided than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
Subject : Fraudulent Account Opened with XXXX Dear XXXX XXXX XXXX  I am writing to formally report a fraudulent personal credit account that has been opened in my name by a company called XXXX, which I did not authorize or initiate. 

In XX/XX/year>, I received an unexpected email referencing a XXXX account. I immediately recognized this as suspicious and filed disputes with all three major credit bureausXXXX XXXX, and TransUnion. I also placed a freeze/lock on all three of my credit reports to prevent further misuse of my personal information. 

Despite these actions, I continued to receive follow-up emails regarding this account. In XX/XX/year>, I revisited each bureaus platform to follow up. Two of the three bureaus showed no record of a XXXX account. These disputes were marked as resolved within two days, yet I received no notification or update from the bureaus regarding the outcome. 

In addition, XXXX XXXXwhich monitors both XXXX  and TransUnionhas no record of a XXXX account under my credit profile. However, because XXXX XXXX directed me to TransUnion for resolution, I filed a dispute through TransUnion directly. The dispute response stated : " Investigation results : Verified as accurate and updated. The disputed item was verified as accurate. However, other information has also changed. '' ( TransUnion File ID : XXXX ) I also noticed that TransUnion had updated my addresssomething I had not initiated or authorized. 

Its important to note that prior to XX/XX/year>, I was inundated with spam and phishing phone calls, which only subsided after I froze my credit. I believe this activity is connected to a broader attempt to exploit my identity and open unauthorized accounts. 

I want to state unequivocally : I did not open an account with XXXX. 

I did not authorize any personal credit loan or give permission to any party to do so on my behalf. 

I have had no contact or business relationship with XXXX prior to this incident. 

As of today, this account appears to be associated with my credit report and is listed as delinquent, which is deeply distressing and damaging to my financial integrity. I am requesting that the XXXX  investigate this matter, as well as encourage XXXX to provide all records associated with this fraudulent account, including the IP address, application data, and any verification documents used to open it. 

I would also appreciate guidance on the best next steps for resolution and credit repair. 

Sincerely, 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 non-monetary relief