vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-23 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: CO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CO

Complaint narrative:
I am disputing multiple inaccurate and inconsistent credit reporting entries from XXXXXXXX XXXX Delaware, XXXX XXXX, XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX, as reflected on my Equifax and Experian reports. 

These accounts are reporting unverifiable balances, incorrect charge-off statuses, outdated payment information, and inconsistent last activity dates. I submitted formal disputes directly to each credit bureau and furnisher, along with a fraud alert and request for investigation under FCRA 1681e ( b ), 1681c-2, and 1681s-2. I also requested verification documents and proof of compliance with data accuracy requirements. 

To date, the companies have failed to provide validation or correct the reporting. These inaccuracies have caused significant harm to my credit profile and resulted in a credit score drop of over 45 points. 

I am requesting full deletion of the inaccurate accounts and enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-07-23 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: NC

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 NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: WI

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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXXExperian XXXX XXXX XXXX TX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.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 2025-07-23 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered significant inaccuracies in my credit report that have had a damaging effect on my credit score. These discrepancies include \ [ list the inaccurate informatione.g., incorrect accounts, late payments that were not made, accounts that are not yours, etc. ]. These errors appear to have been reported by * * Experian * * without my consent, and despite my efforts to resolve the issue directly with Experian, no corrective action has been taken. 

* * Steps Taken : * * XXXX. On XX/XX/year>, I contacted Experian customer service to dispute the inaccuracies. I provided supporting documentation to prove that the accounts or information in question were erroneous. 
XXXX. I filed a dispute through Experian 's online portal XX/XX/year>, but the results were unsatisfactory. The report remains incorrect, and my dispute was either ignored or not resolved to my satisfaction. 
XXXX. I have also sent a certified letter to Experian on XX/XX/year>, requesting an investigation into the inaccuracies, but I have yet to receive a substantive response or resolution. 

Despite all of my efforts to resolve these issues, * * Experian has failed to correct the inaccurate information on my credit report * *. As a result, my credit score has been negatively impacted, and I am being unfairly harmed in terms of obtaining credit and securing loans, which is severely affecting my financial well-being.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$700.00} via PayPal to a private individual for legal assistance in obtaining official court and police documents from the state of Nevada ( USA ) related to a prior arrest. According to the service description, the payment was to cover preparation and submission of official requests on my behalf, retrieval of certified copies, and delivery of the completed documents to me. 

Before payment, the provider clearly outlined the scope of services in writing. However, after receiving the money, he only sent me generic instructions and blank forms that I was expected to fill out and submit myself. These instructions are publicly available online and do not constitute the legal service he advertised. 

When I asked the provider to either fulfill the promised service or provide proof of a legal license, he refused, became hostile, and threatened that I would be responsible for his legal fees if I filed any complaints. When I asked again for proof of his license, he refused again and blocked me, leaving only an email address for contact. 

On his website, he claims to provide legal services worldwide, including in the United States. However, no legal license is listed. I conducted a thorough search through all U.S. state bar directories, especially because my case falls under U.S. jurisdiction. No license to practice law in California or Nevada was found, which is consistent with his refusal to present one.

Moreover, he collected all of my personal data, including sensitive case details and passport photos, yet provided no legal service in return. I have already submitted a formal complaint to the California State Bar for the unlicensed provision of legal services, and I have also initiated a chargeback request with my bank.

In addition, I am attaching all screenshots of our correspondence, including translated messages and transcriptions of voice notes that explain everything in detail. I am also submitting screenshots from the providers website showing that he advertises services in the United States without holding a U.S. license, as well as screenshots from official bar association directories confirming that no license was found in either California or Nevadathe states relevant to my case and current residence. 

After being blocked by the provider and realizing this was clearly a scam, I immediately contacted PayPal to report the issue. I did not attempt to continue communication with the provider, as it was clearly pointless. PayPal reviewed my case for approximately two weeks and then denied my dispute without providing any explanation. As a result, I am now filing a complaint against PayPal for enabling or protecting fraudulent activity by refusing to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is Failing to provide my credit score as of XX/XX/year>. Upon speaking with an agent at the Bureau she said it was due to a " technical difficulty " code BLNK. The agent provided no further help. I am still unable to see my credit score through Equifax as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir or Madam, I am writing to formally lodge a complaint against PayPal for permanently and inexplicably restricting my account, and to sincerely request your oversight and assistance in this matter. 

On XX/XX/year>, I registered a PayPal account with the intention of using it as a personal tool for international payments. In XXXX, I am scheduled to travel to XXXX XXXX XXXX XXXXXXXX to participate in a XXXX XXXX extremely valuable academic opportunity for me. To prepare for this journey, I proactively opened an international bank account and successfully completed PayPal registration. 

However, after submitting my passport for identity verification as requested by the app, the system displayed a message indicating that my identity was under review. When I attempted to log in the next day, I was shocked to find that my account had been permanently limited, with no explanation provided. I was told by PayPal that I would be banned from using their services for XXXX XX/XX/year>. 

I firmly believe I did not engage in any behavior that violated their policies. In my efforts to resolve this, I researched possible remedies online and contacted PayPals customer support. I was informed that the restriction was manually imposed and final, with no possibility of reversal, and that no appeal process existed. Despite repeatedly asking for a specific reason, I was only told that I had violated internal rules, with no further clarification.

This experience has caused me significant distress, as PayPal was a crucial part of my preparations for studying abroad. With no other options available, I am turning to your office for help. I have attached supporting documentation to this message.

I believe PayPals actions may violate the Electronic Fund Transfer Act ( EFTA ) and CFPB regulations, which require financial service providers to clearly state reasons and ensure fairness when restricting consumer access. PayPals handling of this situation appears to lack transparency and fails to treat consumers equitably.

I respectfully request your assistance in : Urging PayPal to provide a clear and specific reason for the account limitation ; Ensuring that my case receives fair and proper review ; Supporting the reinstatement of my account if no wrongdoing has occurred. 

Thank you very much for your time, attention, and willingness to help. 

your sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-23 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief