vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts, information and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I recently discovered that I have been a victim of identity theft, and unauthorized accounts and/or inquiries have been reported in my name. 

Details of Fraudulent Information : Accounts : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX # : XXXX & XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX XXXX Account # XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding a XXXX XXXX XXXX collection account. I attached a dispute letter, government-issued ID, and a utility bill showing my current address. Despite this, all three bureaus marked the account as verified without providing any documentation to support their verification. 

TransUnion reported the account as Closed on XX/XX/XXXX, but then reinserted it on XX/XX/XXXX, showing the status as Placed for Collections. They also falsely listed XXXX as the original creditor on XX/XX/XXXX, then changed it to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The account is marked both Closed and In Collections, which is misleading and contradictory. They reported a last payment date of XX/XX/XXXX. 

Equifax listed the account as Open and labeled it a Debt Buyer Account, yet left the Date of Last Activity blank. They marked the account as verified without ever supplying validation documents. 

Experian updated the balance on XX/XX/XXXX, but the amount remained unchanged at {$1100.00} suggesting re-aging. They labeled the term as 1 Month and {$0.00} scheduled payments, which misrepresents the nature of the debt. All three bureaus acknowledged my dispute with language like Account information disputed by consumer, but no documents were ever provided. 

I specifically requested : A signed contract with my signature An itemized breakdown of the account Proof of ownership or assignment Proof of license to collect in Maryland Any documentation used to verify the account None of this was provided. 

Violations Committed Include : FCRA 609 ( a ) ( 1 ) Failure to provide information used in verification FCRA 611 ( a ) ( 1 ) Failure to investigate and correct inaccurate or incomplete information FCRA 611 ( b ) Re-inserting previously deleted or closed information without notice FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to correct and update incomplete or inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt FDCPA 809 ( b ) Continued collection without proper validation after a dispute I am now preparing to file a civil complaint and pursue binding arbitration where applicable. I will seek full deletion of the account, statutory and actual damages, and all legal costs associated with the violations above.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal has locked me out of my account despite verifying my identity with a government-issued ID and Social Security number. They confirmed my documents but refuse to unlock my account solely because my mobile phone number is on a prepaid plan under my husband 's name. 

Details : I am the legal account holder. I submitted all required documents, and they were accepted. However, PayPal refuses to verify me because my phone line is not under my personal name even though this is a standard prepaid family plan. They made me feel like I was doing something wrong for having a prepaid phone, and now I can not access my funds. I was told over the phone that " these are the rules '' and there's nothing I can do. 

I rely on these funds and have done nothing illegal or suspicious. I am asking for either a manual review, an alternate verification method, or to be allowed to withdraw my balance. 

Resolution requested : Unlock my account or release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct 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 2025-05-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: GA

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute of Unauthorized Reinsertion of Deleted Accounts Violation of FCRA XXXX ( a ) ( XXXX ) ( B ) and XXXX XXXX Compliance Standards I am writing to bring your attention to a serious violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliance guidelines concerning the improper reinsertion of previously deleted information on my credit report. 

The accounts in question are : XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Deleted : Prior to XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX These accounts were previously investigated and deleted and have now reappeared on my consumer file. This action is in direct violation of Section 611 ( a ) ( 5 ) ( B ) of the FCRA, which states : > " A consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, shall provide the notification through other means. '' Let me make this crystal clear : I was not notified within the required 5-business-day period. 
No new verification documentation was presented. 
No reinvestigation was conducted with legally required procedures. 

LEGAL VIOLATIONS INCLUDE : Failure to notify me of reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) Failure to obtain certification of accuracy from the furnisher before reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( i ) ) Failure to use XXXX XXXX standard dispute codes for accurate reporting and reinvestigation Failure to maintain reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ) I have filed an FTC Identity Theft Report and submitted documentation to support the inaccuracy and/or fraudulent nature of these accounts. Your reinsertion of these items without following federal law exposes your agency to statutory damages of up to {$1000.00} per violation, not including punitive damages and attorneys fees, as outlined in FCRA 616 and 617. 

Furthermore, Experian has already been held liable in previous litigation for these same tactics, including class action settlements for unlawful reinsertion practices. You are hereby on notice that similar legal action will be taken against all three agencies if these accounts are not immediately and permanently deleted. 

Please conduct a lawful reinvestigation or remove the reinserted items within XXXX days of receipt of this letter. If not resolved, I will pursue complaints through the CFPB, the FTC, and my state Attorney General as well as legal action in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did request an investigation from these companies to remove/update the inaccuracy from 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 2025-05-02 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-05-02 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: CT

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-05-02 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-02 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: TX

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing XXXX  properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the FAIR CREDIT REPORTING ACT ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXXs actions may also contravene the CONSUMER FINANCIAL PROTECTION ACT ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action XXXX  ensure Equifax complies with federal law XXXX provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
There is a lot of hard inquires that I do not recognize. I have summited my complain with identity theft. Please remove them. 

These are the unknown hard inquires, Please remove them XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lela Mae Portfolio Management Group
State: SC

Complaint narrative:
Various phone calls throughout the day and now emails threatening escalation if I dont respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Started receiving harassing emails and phones calls from company by the name of MCM -this is not my debt I am victim of identity theft. I do not owe any money to this debt collector or the company referenced. Stop the abusive tactics by ceasing all call, text, and emails to me and any associates. Delete this debt under code is 15 U.S.C. 1681c-2, this company is violating the law

Company response to consumer: Closed with non-monetary relief