vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Trans Union special handling department is committing fraud. I received a letter stating that I can not have this blocked and removed from my file because I have previous disputes that is illegal and they are not abiding by the FCRA605 subsection be this is identity theft Trans Union at this point is committing identity theft I demand that the items be removed from my credit report immediately. Theyre saying that this identity theft report is invalid. I contacted the Attorney Generals office the XXXX XXXX XXXX about this situation. They also have not responded.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account XXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS * * * * * * * SILENCE IS ACQUIESCENCE * * * * * * * I called Discover in XX/XX/XXXX and wanted to get an increase on the Card? There was not an increase and the Customer Service Representative did run the Credit which is an unlimited Trust Account number that was opened in XXXX. This Estate XXXX [ XXXX ] has been used for quite sometime. In XXXX President Roosevelt took all of the Gold and Silver out of Circulation and wanted all people to not carry so much in to pay for goods and services and the Federal Notes were put into Circulation. 

DISCOVER CARD SERVICES I AM THE ONLY ONE WHO GIVES ENERGY TO THIS ACCOUNT. IF IT WEREN'T FOR MY AGREEMENT THIS CORPORATION WOULDN'T HAVE MUCH. I ALSO AM WONDERING WHY THESE FOREIGN CORPORATIONS AND BANKS FRAUDULENTLY COME OVER TO THE UNITED STATES AND MAKE THESE FRAUDULENT RULES, CODES, AND STATUTES. BECAUSE THE PRESIDENT AT THE TIME OF XXXX ROOSEVELT CALLED GOLD AND SILVER INTO THE FOREIGN BANKS SO THEREFORE THE ONE THING THAT IS PAYABLE TO UNITED STATES DEBT IS CREDIT. FULL FAITH AND CREDIT OF THE UNITED STATES.

The Lords Prayer Our Father who art in heaven, hallowed be thy name.

Thy kingdom come.

Thy will be done on earth as it is in heaven.

Give us this day our daily bread, and forgive us our trespasses, as we forgive those who trespass against us, and lead us not into temptation, but deliver us from evil.

For thine is the kingdom and the power, and the glory, forever and ever.

Amen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
Greetings, I made two payments for my loans : XX/XX/XXXX -for {$120.00} XX/XX/XXXX, XXXX for {$150.00} As of this date, none of the payments have been posted to my account. I called Mohela in XXXX, and the representative confirmed my account payment information after my bank confirmed the electronic payment. I sent three messages through the website secured mail option and still have not received a response as of this date. I called several times to address this concern, but it is always to no avail. Long wait times and the system automatically disconnects the call. My current payment plan is valid until XX/XX/XXXX, which requires a zero payment. I started sending payments to reduce the loan principal in which Mohela stated it wasn't allowed, all payments must go towards the interest first. Can you verify this information? I want the payments I made to be applied to my loan principal/account which will update my payment history. I called numerous times, uploaded secured messages, and upload a letter to my account and haven't received a response to address this concern.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Good day. The inaccurate information on my credit report is causing serious issues in multiple areas of my life, and the ongoing failure to correct it is extremely frustrating. My repeated requests to fix these errors have been ignored, which is a clear violation of my rights as a consumer.

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 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Account XXXXXXXX XXXX XXXX # XXXX ; XXXX. 
Im unaware of this debt and did not get the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX ; XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 a victim of identity theft and would like help removing these 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 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft and would like help removing these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft and would like help removing these 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 explanation
Consumer complaint received 2025-06-25 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : 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 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

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 2025-06-25 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: MD

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account and froze {$9100.00} with no warning. The only explanation I was given was a vague reference to their Acceptable Use Policy ( AUP ), with no specific violation or opportunity to respond. 

I run a private, invite-only adult forum for users 18 and older. I had been using PayPal for several months without issue. If adult-related content is not allowed, PayPal had ample time to notify me before suddenly locking my funds.

Out of hundreds of successful transactions, only two disputes are currently open. I responded to both with proof and communication. The rest of the funds are entirely undisputed.

I rely on this income, and I dont believe its fair or acceptable to freeze my entire balance based on vague terms and two minor cases. I need this money, and I believe PayPals actions are excessive and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: DC

Complaint narrative:
I believe i am a victim of identity theft, I am submitting them statement to formally dispute several unauthorized credit inquires that appear on my report. I did not authorize ort initiate these inquires and they should be removed from my credit report. 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX, FL XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Phone # : XXXX ] Subject : Confirmation of Account Removal and Demand for Non-Re-Reporting Dear XXXX XXXX XXXX, I recently reviewed my XXXX  credit report and noticed that the account you were reporting has been removed.

Given our previous communications, I am writing to formally request written confirmation that : 1. You have permanently removed this collection account from all three credit bureaus ( XXXX, XXXX, and XXXX  ) ; 2. You will not re-report this account in the future unless you have complete and legally verifiable documentation of the alleged debt ; 3. You acknowledge that I have no contract with your agency and have disputed the validity of this alleged debt from the beginning.

If you fail to comply, I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office for improper collection and credit reporting. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-25 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: TX

Complaint narrative:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchase Details : Date of Purchase : XX/XX/year> Amount : {$380.00} Platform : XXXX Payment Processor : XXXX ( Transaction ID : XXXX * XXXX XXXX CA ) Timeline of Events XX/XX/year> Alleged Delivery USPS tracking updated at XXXX XXXX, stating the package was delivered In/At Mailbox. 

The mailbox assigned to my unit is a small, locked community mailbox that can not physically accommodate a 12 vinyl record. 

XXXX XXXX camera footage from XXXX XXXX  shows no one approached the front door at that time. 

The package was not received. 

XXXX XXXX XXXX Contacted Seller via XXXX Reached out to the seller asking for assistance. 

Seller responded by pointing to USPS tracking and denied any responsibility. 

Seller refused a refund or reshipment. 

XX/XX/year> Opened XXXX Dispute Provided evidence : mailbox photo, tracking discrepancy, and XXXX footage still. 

XXXX reviewed the case and sided with the seller, citing valid tracking as sufficient proof. 

XXXX XXXX XXXX  Filed XXXX Dispute Filed a dispute stating that the item was not received. 

Submitted additional documentation, including evidence that delivery was either impossible or did not occur. 

XXXX denied the dispute, stating that video doorbell footage is not considered valid and only the tracking number is reviewed. 

Advised to obtain a USPS intranet form, which USPS later said does not exist or is not known by that name. 

XXXX XXXX XXXX  Contacted USPS Spoke with multiple USPS representatives across multiple days who confirmed the package was scanned, but could not explain the discrepancy.

Carrier later stated the item was left at the front door, directly contradicting the tracking, which states In/At Mailbox.

Submitted a Missing Mail Search Request through USPS.

Local USPS branch acknowledged recent package theft activity in the area and that I'm not the only customer dealing with issues specifically regarding XXXX packages but could not assist further. 

XX/XX/year> Disputed the Charge with Chase Submitted a full dispute with supporting documentation : USPS tracking screenshot Photo of mailbox XXXX  camera image showing no delivery Detailed written timeline Initially informed that my evidence would be reviewed. 

XX/XX/year> Chase Denied the Dispute Received denial notice indicating tracking confirmed delivery. 

Phone representative stated that XXXX video stills and USPS contradictory responses are insufficient proof and that their internal team had already reviewed the case.

Requested escalation or written confirmation; was told no further action could be taken.

Repeatedly routed to offshore representatives and unable to reach a supervisor or escalation team directly.

Chase refused to revisit the case despite the clear contradictions in delivery claims and lack of package receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief