vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: OH

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has repeatedly called my mother-in-law. They told her who was owed and how much. She asked them to stop calling and that she didn't know the person they were asking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX Re : Debt Validation XXXX Dear Sir/Madam, I am writing in reference to the outstanding debt of {$4700.00} that you claim I owe. I request that you provide me with the full verification of the debt, including the original creditor, the amount owed, and a detailed statement of the charges. Please send this information to my address listed above. 
In the interest of resolving this matter and to avoid further collection efforts, I am willing to settle the debt for a reduced amount of [ Insert Amount ] as a lump-sum payment. This offer is contingent upon the following : 1. Debt Verification : You must provide full verification of the debt, as mentioned above. 
Sending copies of past statements or bills only show that there was a balance but it doesnt confirm the accuracy or legitimacy of the debt itself, nor does it verify that the debt belongs to me or that the amount is correct. Im disputing the debt, and request proper verification, more specific documentation, such as a copy of the original agreement.

2. Settlement Agreement : Upon receiving verification of the debt, I would like a written agreement from you stating that upon payment of the agreed settlement amount, the debt will be considered fully settled and resolved, and you will report this account as " Paid in Full '' to the credit bureaus.

3. Payment Terms : Upon receipt of the requested verification, I will pay the agreed-upon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
When my CD account matured, I was contacted to renew the account. I had not decided what I wanted to do so I was offered a Money Market account at XXXX %. I opened the account and added additional funds totaling aprox. {$450000.00}. US bank paid the XXXX % for a couple months, then without notice dropped it to 1.01 %. My complaint is that at the time they lowered my rate to 1.01 %, they are offering Money Market accounts at 3.25 %, proving that they purposely misled me. My Rate was not lowered based on current rates, it was lowered for there own gain.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
My XXXX XXXX XXXX were forgiven under PSLF XX/XX/XXXX. They were removed from my credit report. As of XX/XX/XXXX, the loans were added back onto my credit reports for all 3 bureaus and shows the accounts as open. The accounts were closed. There is no reason these should have been added back onto my reports as an open account! This has affected my debt to income ratio and I believe it has affected my credit score. I can not log into my Mohela account as it no longer exists due to not having loans anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
I received a credit alert on my credit report in XX/XX/XXXX. I contacted the debt collector ( Jefferson systems ). The representative advised me this was a debt from XXXX. I informed the representative that this is fraudulent and I don't have any debt from XXXX. I The representative explained that I purchased an item for {$1800.00} and did make any payments on the item. I then asked what address was used and to send me proof of purchase. The representative then asked me for my address. I informed them that I did not feel comfortable giving that out, but to email me the information. The representative advised they can only send the information via mail. I told them to use whatever address they had on file for me. I have yet to receive any documentation showing proof of purchase. The representative from Jefferson systems kept harassing me to provide them with my current address and phone number. I felt like this was a scam. Therefore, I hung up and called XXXX. 

XXXX advised that there is no debt on my current account, however, there was a secondary account opened in my name. I asked XXXX what the policy was, and why they would allow a second account to open in my name. the representative at XXXX advised me that a manager would get back to me but no one has. I have called/chatted with them four times and still no one from management has contacted me.

I was able to get the debt removed from my credit report however, as of XX/XX/XXXX Jefferson Systems has placed the fraudulent debt back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
I am filing a complaint because my creditors are reporting accounts and late payments that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the company but it remains without proper validation or documentation under 15 usc 1681 s2 a furnitures must report accurate information under 15 usc 1681 I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit systems failed to respond back by sending me proof of contract. The amount is XXXX in debt collections that I have no acknowledgment of. Ive emailed them several times as well sent two letters out to them, and received no response back the date that the letters were sent out are XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

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 non-monetary relief
Consumer complaint received 2025-04-10 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: FL

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 2025-04-10 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: GA

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 - XXXX XXXX- XXXX XXXX  XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I used my cashapp card to pay for a hotel stay. There was a deposit that was told to me would be returned at checkout. I still have not received my deposit back. I checked out of XXXX XXXX XXXX XXXX on XX/XX/year>. After 10 days of waiting I called Cashapp and questioned why I haven't received my money back. I was told that the hotel has not released it. I then call the hotel and they assured me the money was released at the time of checkout. I call back to cashapp and while continuing to ask questions the man told me the exact amount of my deposit that is supposed to be refunded. I don't know who is holding my money however I found it very odd that the cashapp rep could tell me how much I am owed if the hotel hasn't released it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XX/XX/XXXX To : Experian, Equifax, TransUnion, and All Relevant Creditors Subject : **Formal Demand for Validation & Immediate Removal of Unverified Debts ( XXXXXXXX XXXX XXXX  ) ** Dear Credit Reporting Agencies and Creditors, Under **15 U.S. Code 1681 ( Fair Credit Reporting Act ), 15 U.S. Code 1692 ( FDCPA ), Texas Finance Code 392 ( Texas Debt Collection Act ), and 12 CFR 1026 ( Truth in Lending Act ) **, I formally dispute all inaccurate, unverified, or fraudulent entries on my credit file and demand strict procedural compliance.

**1. Legal Basis for Dispute** Per **FCRA 611 ( a ) ( 1 ) ( A ) **, you are required to conduct a **free, full reinvestigation** within **30 days** and delete unverifiable data. Under **FDCPA 809 ( b ) **, if you can not validate the debt, you must cease collection and delete it.

**2. Demand for Strict Validation ( No Generic Responses Accepted ) ** Provide **certified, wet-ink-signed copies** of the following **within 30 days** ( failure = automatic deletion per **FCRA 623 ( a ) ( 5 ) ** ) : - **Original Signed Contract** ( TILA 1026.6 must show APR, terms, my signature ).

- **Complete Payment Ledger** ( CFPB Regulation F must show exact payment history, DOFD ).

- **Chain of Title** ( SEC Rule 17a-4 prove the debt wasnt sold illegally ).

- **Licensing & Bonding** ( Texas Finance Code 392.101 prove legal right to collect in Texas ) .

- **IRS Form 1099-C** ( if debt was canceled or sold, per **26 U.S. Code 6050P** ).

**3. Specific Violations Noted** - **Debt Parking ( FTC XXXX XXXX, XXXX ) ** You can not place debts without proper notice. 
- **Fraudulent Re-Aging ( FCRA 605 ( c ) ) ** The **Date of First Delinquency ( DOFD ) ** must not be altered.

- **Defamation ( Texas Business & Commerce Code 20.05 ) ** False reporting harms my reputation.

**4. Criminal & Civil Penalties** - **18 U.S. Code 1028 ( Fraud & Identity Theft ) ** If this debt stems from identity theft, I will pursue criminal charges.

- **18 U.S. Code 241/242 ( Conspiracy Against Rights ) ** Willful non-compliance violates civil rights.

- **Texas Penal Code 32.32 ( False Credit Reporting ) ** A felony in Texas .

**5. Cease & Desist All Illegal Reporting** If you fail to **delete unverified items** within **30 days**, I will : 1. File a **CFPB Complaint ( 12 CFR 1002 ) **.

2. Sue in **Texas Small Claims Court ( up to {$20000.00} per violation, FCRA 616 ) **.

3. Report criminal fraud to the **Texas Attorney General ( Consumer Protection Division ) **.

**This is your FINAL NOTICE. ** Send confirmation of deletion to my address above. 

Sincerely, 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 2025-04-10 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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