vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 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:
Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

4. Identity Theft XXXX credit management Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

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 2025-06-19 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: TX

Complaint narrative:
Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

4. Identity Theft XXXX credit management Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt Dispute : CREDIT COLLECTION SERVICES - No Agreement Ever Made I am writing to dispute a debt appearing on my credit report from CREDIT COLLECTION SERVICES. Let me be absolutely clear : I have never entered into any agreement, contract, or financial arrangement with CREDIT COLLECTION SERVICES, nor have I ever authorized them to collect any debt on my behalf. 

Upon discovering this item on my credit report, I immediately requested validation of the alleged debt, specifically asking for the original contract or agreement bearing my signature. To date, CREDIT COLLECTION SERVICES has not provided any such documentation to substantiate their claim. This further solidifies my position that no agreement ever existed between us. 

This unsubstantiated debt remains on my credit report, negatively impacting my financial standing. Since I have no contract or agreement with CREDIT COLLECTION SERVICES, I am not liable for this alleged debt, and I demand that they immediately remove this item from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Date XX/XX/year> Re : Account # XXXX Ref # XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct 3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on thi alleged debt.

5 ) A copy of your state license, including license number : Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only- Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
To Whom It May Concern, I'm writing to formally request your assistance regarding an inaccurate collection account being reported by XXXX XXXX on my credit reports. The account is listed for {$390.00} and references " XXXXXXXX XXXX  '' as the original creditor - a company I have no knowledge of and have never had an account with. My cable service was with XXXX, and I paid XXXX with XXXX balance now directly to resolve the account. 

Despite this, XXXX XXXX is reporting a collection for {$390.00} to XXXX  and XXXX, which is inaccurate and misleading. This entry misrepresents the true source of the account and the nature of the payment, creating an unfair and harmful impact on my credit file. 

Please have this removed from my credit reports with all major credit bureaus - including XXXX  and XXXX  - as well as from any secondary credit agencies such as XXXX and XXXX, if applicable. 

Thank you for your time and attention to this matter. I appreciate your help in ensuring the accuracy of consumer credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft. I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian block fraudulent and inaccurate information from my credit reports. My consumer file has been compromised by unauthorized accounts and inquiries that I did not open or approve. These include collections from XXXX XXXX XXXX and XXXX XXXX XXXX, a delinquent telecom account from XXXX, and student loan accounts from XXXX reporting in default or with derogatory statusall of which are the result of identity theft. Ive attached my FTC Identity Theft Report, photo ID, proof of address, and highlighted credit reports. These accounts have caused repeated damage to my credit and financial standing. I have only ever used one legal name and one address. These entries must be blocked and removed immediately.

I assert that I have only one legal name and one valid, mailable address. Any other names, aliases, or addresses listed on my consumer credit report are inaccurate, unauthorized, and directly connected to identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of all erroneous personal information from my credit file. Furthermore, any inquiries linked to these false identifierswhether personal or account-relatedmust be permanently deleted, as they were not made or authorized by me. Continued reporting of this fraudulent data constitutes willful noncompliance and subjects your agency and data furnishers to liability under 15 U.S.C. 1681n and 1681o.

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 2025-06-19 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft. I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian block fraudulent and inaccurate information from my credit reports. My consumer file has been compromised by unauthorized accounts and inquiries that I did not open or approve. These include collections from XXXX XXXX XXXX and XXXX XXXX XXXX, a delinquent telecom account from XXXX, and student loan accounts from XXXX reporting in default or with derogatory statusall of which are the result of identity theft. Ive attached my FTC Identity Theft Report, photo ID, proof of address, and highlighted credit reports. These accounts have caused repeated damage to my credit and financial standing. I have only ever used one legal name and one address. These entries must be blocked and removed immediately.

I assert that I have only one legal name and one valid, mailable address. Any other names, aliases, or addresses listed on my consumer credit report are inaccurate, unauthorized, and directly connected to identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of all erroneous personal information from my credit file. Furthermore, any inquiries linked to these false identifierswhether personal or account-relatedmust be permanently deleted, as they were not made or authorized by me. Continued reporting of this fraudulent data constitutes willful noncompliance and subjects your agency and data furnishers to liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding a credit dispute I submitted on XX/XX/year>. 
I disputed an inaccurate and unverifiable collection account reported by XXXX XXXX. This same dispute was submitted to XXXX XXXX, and Equifax. Both XXXX  and XXXX  completed their investigations and removed the account. However, Equifax has failed to respond in any form, despite being legally obligated under FCRA 1681i to do so within 30 days.

The account in question contains multiple inconsistencies, including : Conflicting open and closed dates Inconsistent or inaccurate reported balances Mismatched or missing " date reported '' fields Varying creditor types listed across credit bureaus These issues constitute clear violations of FCRA 1681e ( b ) ( requirement of maximum possible accuracy ) and 1681s-2 ( a ) ( duty of furnishers to report accurately and investigate disputes ).

Because Equifax has failed to comply with the required reinvestigation timeframe, I respectfully request the CFPB to take appropriate action and compel Equifax to : 1Permanently delete the disputed, unverifiable account.

2Provide a written response acknowledging their violation.

3Issue a corrected copy of my credit report reflecting the deletion.

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
On multiple occasions I have tried to confirm my identification to PayPal XXXX XXXX to access my funds. I am an XXXX XXXX XXXX  in the United states that no longer lives in XXXX. I do not have a Korean address or phone number to confirm my identity there. I provided multiple forms of ID to include my passport, military ID, my military Orders. And still no access to funds was granted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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