vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: TX

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EQUIFAX ( IDENTITY THEFT & FRAUD ) XXXX VIOLATION FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 10 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * .I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! THIS HAS BEEN REPORTED MORE THAN ONCE TO MY LOCAL POLICE DEPARTMENT, AND YES I HAVE A POLICE REPORT ATTACHED FOR YOU TO READ. * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 



Collection Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX  Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
REMOVE DEROGATORY REMARKS AND UPDATE ACCOUNT STATUS To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 




If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 



This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 unauthorized inquiries listed below were made without my consent and are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) and none of them were initiated and or approved by myself as result of Identity theft reported to Equifax XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX Equifax up to this point has not removed the hard Inquires with is affecting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MN

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 XXXX 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 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 2025-05-15 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: PA

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 XXXX 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 XXXX 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 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 2025-05-15 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: FL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report an inaccurate and unverified collection account submitted by XXXX XXXX XXXX XXXX, despite my prior dispute and documentation showing the debt is unvalidated. 
I sent a certified dispute and debt validation request directly to XXXX XXXX on XX/XX/XXXX, which was delivered on XX/XX/XXXX ( XXXX Tracking # XXXX ). XXXX XXXX never provided proper validation of the debt and instead submitted a fraud packet that misrepresented my dispute as identity theft which I never claimed. 
I have now confirmed that Equifax continues to report this collection account as of XX/XX/XXXX, showing a past-due balance of {$550.00}. The only change is a comment stating Consumer disputes this account, but Equifax has not removed the unverified tradeline or provided any documentation showing it was validated. 
This violates FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). The account is unverified, inaccurate, and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
Hello! My name is XXXX XXXX and my paypal email is XXXX My paypal account got limited permanent and they told me i will have withdraw ability after XXXX  days. 
180 days have come and gone a long time ago, and now when I am trying to log in to my paypal account, I cant even, because it says my account is locked which means i cant log in and withdraw my money. 
I contacted them multiple times and they never provided any definitive answer of when I could access my own money again. I am hoping to regain access to my account, so that I may withdraw my money. 
thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX originally sold my debt to a debt collector, however there is no accurate information of the debt from behalf of XXXX XXXX XXXX XXXX  then took the debt back and resold it on XXXX of 2025. To transworld systems incorporated. This company does not have the accurate information and the debt can not therefore be verified. I have reached out and they say they cant find the debt I have also requested documentation of the debt and has not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau I, XXXX XXXX XXXX XXXX XXXX am filing a formal dispute regarding a series of unauthorized hard inquiries that appear on my credit report. These inquiries were not initiated, approved, or consented to by me, and I did not provide written authorization for any credit applications with the listed entities. 

According to 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report with the explicit consent of the consumer, or in connection with a credit transaction initiated by the consumer. None of these inquiries meet that legal standard. 

List of Disputed Inquiries : XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  - Date of Inquiry : XX/XX/XXXXXXXX XXXX  - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose and proper authority.

15 U.S.C. 1681b ( c ) : Requires that inquiries be made only with prior written authorization or in relation to a transaction initiated by the consumer. 

These inquiries are a clear violation of my rights under the FCRA. I am not requesting validation. I am demanding the immediate deletion of each inquiry that can not be proven to have been authorized by me in writing.

Requested Action : Conduct a full investigation into each inquiry listed above.

Require each creditor to provide documented proof that I granted explicit written consent.

If no such documentation exists, delete the inquiry from my credit report with all applicable agencies.

Instruct the credit bureaus to update my file and send corrected versions to any party who may have accessed the erroneous information.

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address I respectfully request that the CFPB enforce my rights under the FCRA and act to ensure these unauthorized inquiries are permanently removed. 

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

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 explanation
Consumer complaint received 2025-05-15 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: MN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 



XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
XXXX my credit score at XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experians score is XXXX points less than the other bureaus. It's clear forced debt entrapment through illegal credit score manipulation by having outdated, or inaccurate information on my report. They have violated the FCRA and my rights with their misleading and deceptive reporting tactics.

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