vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report 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 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 non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
* * CFPB SUPPLEMENTAL COMPLAINT FILING * * Consumer Financial Protection Bureau Complaint Department XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX * * Re : Supplemental Evidence of Systematic Algorithmic Containment Strategy by PayPal, Inc. ( Complaint # XXXX ) * * XX/XX/year> To Whom It May Concern : This filing constitutes a formal supplemental submission to my existing complaint against PayPal, Inc. regarding their unlawful retention of funds following account deactivation. I now present documentary evidence of a deliberately engineered algorithmic containment strategy deployed by PayPal that constitutes prima facie evidence of unfair and deceptive acts or practices under 12 U.S.C. 5531. 

* * New Evidence of Systematic Evasion * * Following my initial complaint, I have now documented a pattern of identical, templated responses from PayPal, each signed by different purported " representatives '' ( XXXX XXXX, XXXX, XXXX, and XXXX ). These responses : 1. Systematically mischaracterize my legal demands for fund release as mere " inquiries '' about " limitations '' 2. Employ identical language across all communications despite my escalating legal demands 3. Perpetually reset the resolution timeline with rolling " XXXX XXXX  '' review periods that never conclude 4. Deliberately erase all references to their XX/XX/year> promise to release funds by XXXX XXXX 5. Ignore explicit references to regulatory complaints and legal demands This pattern demonstrates that PayPal has implemented an algorithmic containment protocol specifically designed to exhaust consumer resources through administrative fatigue rather than provide legitimate resolution pathways. 

* * Legal Implications * * This evidence transforms the nature of the complaint from a simple account dispute to systematic unfair and deceptive practices under CFPB jurisdiction : 1. The deployment of rotating agent names with identical text creates a false impression of human review where none exists 2. The strategic reframing of " demands '' as " inquiries '' constitutes deliberate misrepresentation of consumer communications 3. The perpetual deferral mechanism violates EFTA requirements for prompt investigation and resolution 4. The pattern demonstrates willful disregard for dispute resolution obligations under Regulation E Attachments : 1. Screenshots of identical responses from XXXX XXXX, XXXX, XXXX, and XXXX 2. Original demand letter dated XX/XX/year> XXXX. Previous documentation submitted with original complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to notify you that my Social Security number was compromised in a data breach, and as a result, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter. 

I understand that consumer reporting agencies sometimes delay or disregard dispute requests under the assumption that the communication may have been prepared with the assistance of a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) is clear : consumers have the right to obtain assistance in exercising their legal rights, and there is no lawful justification for delaying or denying a dispute based on that fact. 

Please be advised that any correspondence submitted under my name was prepared with my full knowledge and authorizationwhether written directly by me or with the support of advisors acting on my behalf. Any delay or failure to investigate and correct the disputed information in accordance with FCRA requirements will be considered a willful violation of my rights. 

I urge you to address this matter promptly and in full compliance with the 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 2025-05-19 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 permission.

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 2025-05-19 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-19 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: TX

Complaint narrative:
This filing a complaint serves as my second formal request for the removal of inaccurate and unverified information listed on my credit report. I previously submitted a written dispute regarding the following items, and I am disappointed to find that the issue remains unresolved. 
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/year>

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 2025-05-19 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:
This filing a complaint serves as my second formal request for the removal of inaccurate and unverified information listed on my credit report. I previously submitted a written dispute regarding the following items, and I am disappointed to find that the issue remains unresolved. 
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/year>

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 2025-05-19 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, a copy of which is enclosed for your reference.

I am aware that some consumer reporting agencies may delay or dismiss dispute requests under the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly affirms a consumers right to seek assistance in exercising their legal rights. The use of third-party support does not provide a lawful basis to deny or delay a valid dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted directly by me or with the assistance of authorized representatives. Any failure to investigate and correct the disputed information in a timely manner, as required by the FCRA, will be considered a willful violation of my consumer rights. 

I respectfully request that you address this matter promptly and in full compliance with federal 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-19 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payments Security Finance ( Acct. No. ending in XXXX ) Dear Equifax Dispute Department, I am writing to dispute and demand the immediate removal of the inaccurate and misleading late payments reported on the XXXX XXXX account ( Account ending in XXXX ). This account is listed as OVER 120 DAYS PAST DUE, with delinquency entries for XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are required to report only accurate and verifiable information. There are material issues with the reporting of this account that must be addressed : 1. The Date of Last Payment is missing, and the last activity is listed only as XX/XX/XXXX, yet delinquencies are reported months later, in early XXXX, without substantiating any due dates or billing statements. 


XXXX. Scheduled payments are shown as {$130.00} for all months in XXXX, yet no actual payment activity is reported during that same period this inconsistency makes the delinquency unverifiable and speculative. 


XXXX. The delinquency was first reported XX/XX/XXXX, yet the 3090 day late marks are backdated prior to this report which violates FCRA guidelines on timing of negative data reporting. 


XXXX. There is no Date of Last Payment listed, yet the account is flagged as over 120 days past due with a reported balance of {$1000.00} which indicates there is no current payment activity to justify the negative marks. 



These deficiencies result in a false and misleading representation of my payment behavior. If XXXX XXXX can not provide documentary evidence including the exact billing statements, payment due dates, actual date of default, and any communications sent regarding non-payment then all derogatory marks must be removed from my credit file. 

Moreover, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, the furnisher has a legal obligation to conduct a proper reinvestigation. Any failure to verify the delinquencies with original signed contracts or payment logs constitutes a violation of the FCRA and may give rise to civil liability under 15 U.S.C. 1681n and 1681o.

Demand for Action : Immediately delete all negative payment history associated with this account. 

Provide me with a detailed explanation and documentation used to verify this information. 

Confirm removal of all derogatory remarks in writing within XXXX calendar days. 


Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and a legal claim under civil liability provisions of the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief