vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing this complaint 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 because my consumer rights are being violated by the inaccurate and harmful reporting of the following account XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/year> Chargeoff This account is being reported as a charge off which is completely inaccurate and misleading. The creditor has failed to provide me with any legally valid documentation verifying this debt. Under FCRA 609 and 611 the credit bureaus and furnishers are required to provide me with proper validation and ensure maximum possible accuracy before reporting. Reporting a charge off without full investigation and without proper documentation is a direct violation of FCRA. Additionally, under FDCPA 807 and 809 it is unlawful to report or attempt to collect a debt without providing validation upon request. This has severely damaged my creditworthiness, affected my ability to secure housing, loans, and even employment opportunities. The emotional distress and financial hardship caused by this false reporting is unacceptable. The creditor and credit bureaus are willfully neglecting their duty to maintain accurate records and are engaging in negligent and harmful practices against me as a consumer I request the CFPB to investigate this matter, require the furnisher and the credit bureaus to provide complete validation of this account, and if they can not produce proper legal documentation then the account must be permanently deleted from all my credit reports, I further request that the responsible parties be held accountable for negligence and violations of consumer protection laws that have directly harmed me

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 2025-09-23 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2025 at about XXXX XXXX, I was on a verification call with a PayPal representative. I asked for an instant transfer of {$43.00} from my PayPal balance to my linked bank account. The representative instead initiated a standard transfer ( XXXX business days ) of {$43.00} to my XXXX account ( XXXX ) without my consent and completed the transfer while I was still on the call. The rep then hung up before resolving or confirming authorization. The transfer is recorded in my PayPal activity as : Amount : {$43.00} Transferred on : XX/XX/202XXXX XXXX XXXX Estimated arrival in bank : XX/XX/2025 XXXXXXXX XXXX Transaction ID : XXXX I did not authorize that type of transfer and told the representative I wanted an instant transfer. I also have a full recording of the call showing the representative changed the transfer and ended the call abruptly. I request an investigation into the employees actions and that PayPal either cancel the pending transfer or issue a prompt courtesy credit to my PayPal balance while the bank transfer completes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding unlawful reporting practices by D2 and XXXX  This collection agency has re-aged a debt by reporting an inaccurate delinquency date to XXXX  The account is being reported as more recent than the actual date of first delinquency with the original creditor. This unlawful practice causes the account to remain on my credit file longer than permitted by law. 

Violations : Fair Credit Reporting Act ( FCRA ) 605 ( c ) : The reporting period begins at the original delinquency date and can not be reset.

Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) : Prohibits furnishing false credit information. 

I have disputed this matter directly with XXXX and notified the collection agency. However, the inaccurate reporting remains. 

I am requesting the CFPB investigate this matter and require the following : 1. Immediate correction or deletion of the re-aged collection account.

2. Confirmation that the collection agency has ceased unlawful re-aging practices. 
3. Assurance that XXXX updates my credit file accordingly. 
repeated or harassing collection calls violate the Fair Debt Collection Practices Act ( FDCPA ) and, since youre in Texas, also the Texas Finance Code ( Chapter 392 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXX  - XX/XX/year> I have already disputed these items directly with Equifax, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized.

I am being denied credit opportunities.

When I do receive approvals, I face higher interest rates and less favorable terms. 


These violations have placed me at risk of further identity theft and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX I need to make a complaint against this PayPal email XXXX because she is scamming customer 's and then blocking them after she received their payment and wont see them their order to them and her account need to be investigated and permanently limit etc and please file a dispute for me for Transaction ID XXXX and dispute it service not received etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
My credit report contains accounts that I believe were created without my consent. I respectfully request their removal following a comprehensive investigation. Attached are documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
This reported late payment does not reflect my payment behavior and appears to be an error. I request its removal after a thorough review.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are late payments on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report.

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 2025-09-23 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: NC

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several fraudulent accounts & hard inquiries that have been reported on my TransUnion credit file. These accounts were fraudulently opened without my authorization and are the result of identity theft. I am a verified victim of identity theft, and I demand that these accounts and inquiries be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B.

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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a Final Account Statement from my former apartment complex claiming I owed {$280.00} for move-out charges, including carpet cleaning, ceiling painting, and full repainting of the unit. I immediately disputed these charges. I explained that the carpet showed only normal wear and tear, which landlords in Texas can not charge for, and that ceiling marks were caused by maintenance staff during filter replacement. I also requested a breakdown of the repainting costs and asked how my move-in condition form was taken into account. 

I communicated these disputes directly with the property manager by email. While I offered to pay reasonable charges ( {$95.00} for cleaning and up to {$100.00} for limited repainting ), my requests for a detailed justification and itemized breakdown went unanswered. The landlord provided only blurry photos that did not substantiate their charges and stopped responding to my questions. 

Despite the lack of adequate validation, the balance was placed with RentDebt Automated Collections. I later disputed the collection with Experian in XX/XX/XXXX. Experian marked the account as verified, even though the debt collector has not provided proper documentation. This inaccurate collection account is now harming my credit and causing me to be denied housing. 

I am requesting that this debt be removed from my credit report because the landlord and collector failed to provide valid documentation of the charges and are attempting to collect the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing this complaint because my credit report with TRANSUNION contains unauthorized hard inquiries, inaccurate name variations and invalid addresses, that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security, and proof of current address to support my claim.

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditors responsible for the inquiries listed below confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. These inquiries were not authorized by me. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, I have identified inaccurate personal information, including multiple unauthorized name variations and outdated addresses, listed on my credit report that do not belong to me. 

My only legal name is XXXX XXXX as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( Proof Attached ), Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by law.

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 2025-09-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit. I have asked for them to be removed off my report THREE TIMES NOW. THIS IS AN ONGOING ASSAULT OF AGGRAVATED IDENTITY THEFT ( 18 U.S.C. 1028A ).

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 2025-09-23 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: Experian Information Solutions Inc.
State: IN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : AXXXX 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 : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 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: IN

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXate : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation