vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX  XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

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. XXXX XXXX XXXX - XXXX  List of Unauthorized Inquiries : 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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Sent via Certified Mail Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

I am writing to notify you that I dispute the validity of any and all accounts your company claims I owe. I do not acknowledge any liability or responsibility for any such accounts. Additionally, you have failed to provide a proper validation notice as required under 15 U.S.C. 1692g ( a ) within five ( 5 ) days of initial communication. Therefore, any attempt to collect is unlawful. 

If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. ( XXXX XXXX XXXX etc. ) You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n This is your notice. Govern yourselves accordingly, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX transactions were initiated through my XXXX XXXX ( XXXX XXXX ) and funds totaling over {$16000.00} were removed from my PayPal balance account and transferred back to my player account. I had just won and received withdrawal money from them on the XXXX over {$19000.00}. When I woke up in the morning and saw the transaction notification I tried to log in to my player account to see what was going on only to be met by a black screen saying You are not authorized to use our services I filed a dispute with PayPal because the money was taken out of my PayPal balance without my permission and they immediately denied my case because I had used their services in the past even with the evidence that they had reversed my winnings for no reason and blocked my account. I have tried working with PayPal, XXXX XXXX, XXXX XXXX and their XXXX XXXX XXXX XXXX. They are uncooperative and unwilling to refund my money. They have since been threatening, suspended my account and said disputing transactions are against their terms and conditions. PayPal is refusing to further assist in getting my money back. This is causing a serious and severe financial hardship on my family and the emotional distress is having n impact on my health. I have been dealing with this since I filed a formal claim on XX/XX/XXXX and have gotten no response or help even sending emails and calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Please accept this letter as my formal dispute of an unauthorized hard inquiry placed on my credit report. I never granted consent to [ Company Name ] to access my credit, and I believe this is a violation of FCRA 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
-Reported on consumer reports Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Sent via Certified Mail Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

I am writing to notify you that I dispute the validity of any and all accounts your company claims I owe. I do not acknowledge any liability or responsibility for any such accounts. Additionally, you have failed to provide a proper validation notice as required under 15 U.S.C. 1692g ( a ) within five ( 5 ) days of initial communication. Therefore, any attempt to collect is unlawful. If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. ( Transunion, Equifax, Experian, etc. ) You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n. 

This is your notice. Govern yourselves accordly please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

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. 

XXXX  - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for fraudulent account reporting, as well as inaccurate, excessive, and harassing credit reporting practices in violation of the Fair Credit Reporting Act. Inconsistently Reporting Across Bureaus The account appears open with TransUnion, but closed with Experian and Equifax this inconsistency creates confusion and unfair damage to my credit. 
The last active date varies across reports : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Excessive Reporting with No New Information The agency has updated the account multiple times per month, even when no payments or balance changes have occurred. 
These repeated updates appear designed to keep the account appearing fresh and cause ongoing credit harm, which I believe qualifies as harassment or abuse under the spirit of the Fair credit report act. 
Potential Re-Aging There is concern that the date of last activity is being altered to extend the time the account remains on my report, which is prohibited under the 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 2025-07-17 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: TX

Complaint narrative:
I am writing to dispute multiple hard inquiries on my credit report that I do not recognize. I never granted permission for these inquiries and am requesting that you provide documented evidence of my authorization.

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 2025-07-17 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 contacting you regarding a fraudulent collection account that has appeared on my credit report. I never authorized or opened this account and dispute its accuracy and validity.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Helvey & Associates XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Refusal to Pay Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am refusing to pay the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that Helvey & Associates cease all communication with me regarding this matter. 

This includes, but is not limited to, any contact via telephone, mail, email, or any other method. Any further communication from your agency may constitute a violation of the FDCPA, and I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. 

Additionally, please be advised that this debt has already been paid in full to the original creditor. Therefore, I owe no balance to Helvey & Associates. I demand that you immediately cease all collection efforts, update your internal records, and return this account to the original creditor. 

Please provide written confirmation that this matter is now considered closed and that no further collection activity will take place. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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 2025-07-17 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: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX Re-Aged Debt I am filing this complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-aging a debt in an attempt to make it appear newer than it truly is.

On my credit report, XXXX XXXX is listing a debt originally owed to XXXX as Opened on XX/XX/XXXX, and reported as of XX/XX/XXXX, even though the actual debt is much older and had already fallen into default years prior. This is a clear attempt to reset the 7-year credit reporting clock, which is illegal under FCRA Section 605 ( c ).

I have already disputed this with the credit bureaus, and XXXX XXXX continues to report this account inaccurately. I am requesting that the CFPB investigate XXXX XXXX and require them to : Remove the inaccurate information Cease all attempts to collect on this time-barred debt Cease reporting the debt it is beyond the 7-year limit Attached is a screenshot from my XXXX XXXX  account showing how the debt is misrepresented.

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