vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XX/XX/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 2025-05-01 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding the closure of my credit card account ending with XXXX and subsequent financial discrepancies. 
Despite charging me annual fees for the credit card, Capital One closed my account without notice or justification. Additionally, I accumulated rewards points from my transactions, but Capital One failed to credit me for these earned points. 
I believe this action is unfair and would like to request that Capital One : - Reimburse the annual fees charged to my account. 
- Provide credit for all rewards points earned through my transactions before the account closure. 

I kindly request the CFPB to investigate this matter and assist in reaching a fair resolution. Please let me know the next steps in the complaint process. 
Thank you for your time and assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 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 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 2025-05-01 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: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXXXXXX : XXXX XX/XX/XXXX Filed a dispute with XXXX because these charges are incorrect. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$260.00} filed dispute with XXXX because these charges are incorrect. XXXX {$86.00} file dispute these charges are incorrect. XXXX card filed dispute with XXXX I never had an account with them should not be a hard inquiry. XXXX XXXX XXXX XXXX was paid in full. XXXX XXXXXXXX XXXX should not be a hard inquiry never made inquiry. XXXX XXXX XXXX XX/XX/XXXX no inquiry was made. Possible Fina {$250.00} the amount is incorrect filed dispute and it has not been removed. Per Fair credit reporting 15 USC 1681. I believe I was affected by the XXXX  credit breach. The address XXXX XXXX XXXX XXXXXXXX XXXX, Fl does not belong to me. Also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX does not belong to me have disputed this with XXXX and it has not been removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CL Holdings LLC
State: CA

Complaint narrative:
Issue : I formally dispute the accuracy, legality, and verification of the Jefferson Capital Systems collection account currently reported on my XXXX XXXX And XXXX credit report. 


Details : Jefferson Capital Systems is reporting a XXXX debt collection account ( # XXXX ) for {$2900.00}, opened on XX/XX/XXXX and scheduled to remain until XX/XX/XXXX. 
I have never received a valid written notice or verification of this debt, violating my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681s-2 furnisher responsibility to report only accurate, verified data ; 15 U.S. Code 1681i right to dispute inaccurate or unverifiable information ; 15 U.S. Code 1681b permissible purpose requires consumers written authorization.

Supporting Documentation Provided : For identity verification, I am including a copy of my valid California drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
The personal information on my credit report were outdated.

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 2025-05-01 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-01 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: IL

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST AN UPDATE TO THE ADDRESS LISTED ON MY CREDIT REPORT TO ENSURE THAT MY RECORDS ACCURATELY REFLECT MY CURRENT AND CORRECT INFORMATION. PLEASE REMOVE THESE ADDRESSES FROM MY REPORT AND SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a serious concern regarding my credit report. I have recently discovered that several third-party collection agencies have accessed and reported information under my name without my knowledge or consent. I did not authorize these companies to obtain or use my personal or financial information in any manner. 

Specifically, I noticed that multiple collection accounts have appeared on my credit report, and I have no prior relationship, communication, or contractual agreement with these agencies. I believe my information may have been shared or distributed fraudulently, or accessed without proper verification or permission. 

I am requesting a thorough investigation into how these agencies obtained my personal information and why they were able to report accounts to my credit file without my consent. I would also like assistance in having any fraudulent or unauthorized accounts removed from my credit report. 

Please let me know what documentation or further details you need from me to proceed with this complaint. 

Thank you for your time and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: 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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX  XXXX : XXXX, has violated my rights. 

I looked at my TransUnion credit report on XXXX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I am submitting this complaint against American Recovery Service Incorporated ( ARSI ), a debt collection agency attempting to collect an alleged debt of {$2300.00} on behalf of Compass. 
On XX/XX/XXXX, I sent a formal written dispute and debt validation request to ARSI, under the Fair Debt Collection Practices Act ( FDCPA ), in response to their claim that I owe a {$2300.00} balance. In that letter, I formally contested the debt and requested specific documentation to validate the debt, including : A copy of the original signed agreement obligating me to pay XXXX XXXX XXXX ( XXXX XXXX XXXX ) Insurance at Compass, including after I left the brokerage or while inactive ; An itemized breakdown of the {$2300.00} charge, specifying what services and time periods are covered ; Proof that I was an active real estate agent at the time the charge allegedly accrued and that XXXX XXXX XXXX XXXX was necessary ; Documentation showing Compass notified me of this charge prior to sending it to collections ; The name and address of the original creditor ( if different from Compass ) ; and A copy of any judgment against me, if one exists.

ARSI failed to provide any of the requested information. Instead, they responded with only a single invoice, which does not verify the validity of the debt or prove that I am legally responsible for the charge. Their response lacked any supporting documentation, contractual agreement, itemization, or evidence that proper notice was given prior to collections. 
This incomplete response does not satisfy the debt validation requirements under the FDCPA. I am concerned this is an attempt to collect a potentially invalid debt without adequate evidence. 
I respectfully request that the Consumer Financial Protection Bureau review this matter, require ARSI to provide proper documentation before continuing any collection activity, and ensure that no negative credit reporting occurs until this dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
On XX/XX/XXXX I sent my daughter XXXX payments through paypal. XXXX payment was {$10.00} the other payment was {$1500.00}. My daughter had trouble transferring it to her bank so I told her to refund the money back to me and I'd send it a different way. When she refunded the money in PayPal the {$10.00} came back to my account but the {$1500.00} never came back. I called PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time it was the exact same results, they told me that the money was already transferred to my bank and it might take XXXX or 4 days for my bank to show the deposit. Each time I called my bank and they clearly confirmed that the money never arrived at the institution. It's a small XXXX branch XXXX XXXX so I know they spoke to the right people when inquiring about this. I then called back PayPal and they give me a song and dance that it might not come back to the end of the " billing cycle '' (? ). I inquired what is the billing cycle they said at the end of the month the XXXX or XXXX of XXXX. The money never came to my account at the end of XXXX and I did go to my bank to have them check on it once again and the money never arrived there. So PayPal is continuing to hold my {$1500.00} with no explanation where it went and I did ask them to research it and that was just a pathetic attempt they just simply responded a couple days later with an email that my bank has the money. I am certain my bank does not have the money. They're holding my money and or not researching where my money has gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IN

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 2025-05-01 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX DOB XX/XX/XXXX SSN XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX, XXXX XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 non-monetary relief
Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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