vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-04-09 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: Block, Inc.
State: IL

Complaint narrative:
I was getting transactions not authorized from my account in which my funds were being taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Formal Complaint Against PayPal Mishandling of Dispute, Case ID : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding the mishandling of a buyer protection dispute I opened for a digital logo order that was never delivered. Despite providing sufficient evidence that the order was canceled by the seller, PayPal has failed to resolve the issue appropriately. 

Timeline of Events : XX/XX/year> : I initiated a dispute with PayPal after not receiving the digital logo I paid for on XXXX. 

XX/XX/year> : I escalated the case to PayPal ( Case ID : XXXX ). 

XX/XX/year> : I submitted documentation clearly showing the seller canceled the order. A PayPal representative told me they would change the dispute type to " Item Not Received. '' This change was never made. 

XX/XX/year> : PayPal closed the case, stating the transaction was processed correctly, despite the evidence of cancellation. 

XX/XX/year> : I filed an official appeal and submitted all supporting documentation again, including screenshots and XXXX  records from XXXX proving the cancellation. 

Throughout this process, Ive been met with misinformation and delays. Two PayPal representatives misled me, and when I requested to speak with a supervisor, I was simply transferred to another representative. On one call, I was placed on hold for over 30 minutes with no follow-up.

I have made every effort to resolve this directly with PayPal. The seller canceled the order, I never received the product, and yet PayPal continues to deny my claim. I have attached all supporting documents, including screenshots and order details from XXXX. 

Disputed Amount : {$77.00} USD Invoice ID : XXXX I am requesting your assistance in reviewing this matter and holding PayPal accountable for their failure to honor buyer protection policies. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
CFPB Identity Theft Dispute Statement I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( XXXX  ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX account for {$100.00} XXXX Bank XXXX account, {$4100.00} past due XXXX XXXX XXXX credit card XXXX {$1800.00} past due XXXX ( Acct ending in XXXX XXXX Charged-off credit card, {$630.00} past due XXXX ( Acct ending in XXXX ) Charged-off credit card, {$3100.00} past due XXXX XXXX XXXX {$240.00} written off Any additional inquiries or accounts tied to these tradelines These accounts were fraudulently opened or misreported and do not belong to me. I have not given anyone permission to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA XXXX ( XXXX U.S.C. XXXX ), I request that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA XXXX ( XXXX XXXX. XXXX ), I am formally requesting debt verification for all disputed accounts. Credit bureaus and furnishers must provide documented proof such as signed applications or agreements showing that I authorized these accounts. If such documentation can not be produced, the accounts must be permanently deleted from my credit file. 



Compensation for False Verification : As stated in FCRA XXXX ( XXXX XXXX. XXXX ), I am entitled to statutory damages of {$1000.00} per violation if any disputed account is falsely verified as accurate despite my identity theft claim. 



Supporting Documentation : I have included : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) & Police Report. 
A copy of my government-issued ID Requested Actions : XXXX. Immediate blocking and removal of all fraudulent accounts and inquiries XXXX. Debt verification for all disputed accounts XXXX. Written confirmation that the fraudulent items have been deleted XXXX. Proof that all furnishers were notified to cease reporting unverifiable data XXXX. An updated copy of my credit report showing these corrections I expect written confirmation that my dispute has been handled in accordance with the FCRA. Failure to comply will result in additional legal and regulatory actions.

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 2025-04-09 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: PA

Complaint narrative:
When I checked my credit report this morning, I was surprised to see accounts that dont belong to me. This was unusual since I regularly monitor my report and have never seen these before. I tried reloading the page to see if it was a temporary glitch, but nothing changed. Thats why Im requesting a detailed review of the documents Ive submitted to prevent further concern on my end.

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 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I previously requested XXXX XXXX XXXX to verify the Assignment of Mortgage dated XX/XX/year>. The issue is the Assignment of Mortgage was assigned to XXXXXXXX XXXX of Delaware which has been out of business for over a decade, mainly due to mortgage fraud, the CEO was sentenced to 6yrs in prison. I also requested they verify the signer XXXX XXXX was actually a Vice President of MERS and the notary personally knows XXXX XXXX as XXXX XXXX of MERS. XXXX XXXX XXXX XXXX has also been named in several fraudulent activities. XXXX sent me several letters stating they were investigating and gave several dates their investigation would be completed. Instead of XXXX responding to my complaint/request they transferred the loan servicing to Shell Point Servicer without responding to the complaint or investigation and noted my complaint was a duplicate complaint which closed on the CFPB website. I'm not requesting ShellPoint Servicer to do the same to verify the validity of the Assignment of Mortgage. My loan number has been the same with my past servicers and now has changed with Shell Point which also raise a concern for me. I will attach the fraudulent Assignment of Mortgage along with letters from XXXX claiming they needed more time to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting an investigation and removal of a XXXX XXXX account XXXX on my credit report with the account number ending in XXXX. The account is reported multiple times across Experian ( as both ComenityCapital/Sephora and XXXX ) XXXX and inconsistently across TransUnion and Equifax. These entries are riddled with inaccuracies, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ). 

Violations include : Duplicate reporting of the same account under different names. 
Conflicting account types, labeled both as a revolving account and a charge card. 
Inconsistent and unverifiable payment history, with some reports showing no payment data yet marking the account as charged-off. 
Misleading balance reporting, showing {$0.00} balances but still labeling the account as charged off. 
Lack of original creditor identification, in violation of FCRA 611.

Contradictory " Purchased by another lender '' status, while the original furnisher continues to reporta potential FCRA 623 violation.

Continued reporting and updates after account closure without consumer consent or active balance, suggesting possible account re-aging.

These inaccuracies are severely damaging my credit score and have caused financial and emotional hardship. Under FCRA 623 ( a ), data furnishers must report accurate and complete information. These violations directly breach that requirement.

I am requesting : Immediate deletion of all entries related to this account across all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am formally requesting an investigation and removal of a XXXX XXXX account XXXX on my credit report with the account number ending in XXXX. The account is reported multiple times across Experian ( as both ComenityCapital/Sephora and XXXX ) XXXX and inconsistently across TransUnion and Equifax. These entries are riddled with inaccuracies, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ). 

Violations include : Duplicate reporting of the same account under different names. 
Conflicting account types, labeled both as a revolving account and a charge card. 
Inconsistent and unverifiable payment history, with some reports showing no payment data yet marking the account as charged-off. 
Misleading balance reporting, showing {$0.00} balances but still labeling the account as charged off. 
Lack of original creditor identification, in violation of FCRA 611.

Contradictory " Purchased by another lender '' status, while the original furnisher continues to reporta potential FCRA 623 violation.

Continued reporting and updates after account closure without consumer consent or active balance, suggesting possible account re-aging.

These inaccuracies are severely damaging my credit score and have caused financial and emotional hardship. Under FCRA 623 ( a ), data furnishers must report accurate and complete information. These violations directly breach that requirement.

I am requesting : Immediate deletion of all entries related to this account across all credit bureaus.

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 2025-04-09 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights.

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XXXX/XXXX/XXXX, 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am unable to access my TransUnion online " XXXX XXXX '' account since last week. When I log in, I get an error message saying " We are temporarily unable to complete your request/ Looks like we are experiencing a problem on our end '' and " We are sorry, but we are unable to fulfill your request at this time. '' This situation has not resolved itself. 

When I called the TransUnion toll-free number given on the error page, XXXX consecutive supervisors over XXXX days told me to delete my online account and then to create a new account. I did so, but each new account gave the same error. After the third new account, another supervisor told me that my account is now under " extended security lock-out '' because of having created so many new accounts in a short period of time -- which I did only because I was following the TransUnion supervisors ' instructions. 

I require access to my TransUnion online Service Center account in order to manage my security freeze and fraud alerts, and to obtain my credit report regularly. 

( Note that I have NOT forgotten my login credentials. Also note that this is a server-side issue, NOT a problem with my computer, browser, cookies, or what-have-you. )

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 2025-04-09 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: FL

Complaint narrative:
Dear Equifax and Transunion Dispute Department, This letter serves as a follow-up to my original dispute submitted on [ insert date ], regarding the collection account listed under : XXXX XXXX  Account number XXXX - Date opened XX/XX/XXXXXXXX  and XXXX XXXX Account number XXXX Date opened XX/XX/XXXX on my credit report. I formally requested full verification and documentation showing that this debt is mine and that it is being reported accurately under the Fair Credit Reporting Act ( FCRA ). 

To date, I HAVE NOT received sufficient documentation or validation of the debt as requested. The only response provided was a generic statement that the furnisher verified the information. This does not meet the standard of verification as outlined under the FCRA and FDCPA Furthermore, these same accounts have already been removed from XXXX serving unauthorized and 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 2025-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am following up regarding my previous letter titled " Immediate Action Required Legal Action Imminent, '' in which I outlined multiple unauthorized and fraudulent credit inquiries on my report and your failure to respond appropriately under the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any resolution, formal investigation results, or confirmation that these unauthorized inquiries have been removed. This continued inaction is not only unacceptable, but it also constitutes willful disregard for your legal responsibilities under the FCRA, which mandates prompt and thorough investigation of disputed information. As stated in my prior letter, these inquiries were made without my knowledge, consent, or any valid business relationship. My repeated efforts to investigate and resolve this directly with the companies involved have yielded no results, as most either can not confirm my information or have no record of me. 

Unless I receive a written response with proof of investigation and confirmation that the above inquiries have been deleted from my credit report within 5 business days, I will proceed with the following actions without further notice : File a lawsuit against Experian for willful noncompliance with the FCRA, seeking statutory, actual, and punitive damages. 

Submit formal complaints to the CFPB, FTC, and my State Attorney Generals office, including all supporting documentation of your failure to act. 

Engage legal representation to pursue any and all available remedies under the law to ensure compliance and seek appropriate damages. 

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 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