vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is violation of code XXXX XXXX. XXXXXXXX XXXX XXXX XXXX my information has been given out without my consent please remove immediately.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NE

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted my credit and overall XXXXredit score. I previously contacted TransUnion regarding this issue, and a representative assured me that the unauthorized inquiries would be removed. However, they continue to appear on 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year> I received an email from venmo stating my account was frozen until I provided a photo ID. 

I did so as requested. 

Today on XX/XX/year> I received a follow-up saying my ID was received but that my account was now banned for violations of the user agreement and that no other questions will be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I disputed a charge-off account reported by XXXXXXXX XXXX, originally opened around XX/XX/XXXX, with a current balance of approximately {$7600.00}. I submitted a dispute to Transunion in [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] and requested full validation under the Fair Credit Reporting Act. The bureau responded by verifying the account without providing the original signed agreement, full payment history, or proper charge-off documentation. I believe the investigation was not reasonable. I am requesting this charge-off account be permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach after reviewing my credit reports I noticed some accounts I am unfamiliar with have asked CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the info I am not familiar with. 



Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data base and a Validationof debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: WA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
The item in question is a fraudulent debt and an eviction record associated with XXXX XXXXXXXX XXXX ( RentDebt ), which was filed wrongfully and later dismissed by a judge. I have enclosed supporting documentation, including : 1. A copy of the court dismissal order, proving the eviction case was fully dismissed.

2. A letter or filing from the apartment complexs own legal representative, confirming the dismissal and the lack of grounds for the reported charges, for such other relief as is appropriate. 

Despite this, my credit report is still reflecting a derogatory entry showing a {$20000.00} debt and/or an eviction filing, which is factually incorrect and legally invalid. This entry is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum accuracy and remove unverifiable or false information upon dispute. 

This false information has severely harmed my ability to secure housing, credit, and financial stability for myself and my child. I am requesting that you : 1. Fully remove the {$20000.00} charge and eviction record associated with this dispute ; 2. Provide written confirmation that the disputed item has been removed from my credit file ; 3. Cease all further reporting of this inaccurate item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX to resolve a debt owed to XXXX  XXXX for a Credit Card. I spoke to a XXXX XXXX XXXX to try to receive a lump sum payoff. She was kind and detailed. She eventually informed me that a of the lump sum in the amount of {$17000.00} would be satisfactory to completely pay off the XXXX XXXX credit card debt. On XXXX XXXX, I paid the debt over the phone with a XXXX XXXX  XXXX representative and was given a payment confirmation number. I spoke with XXXX XXXX again the next day, XX/XX/XXXX asking for a receipt via email. I opted in to to their emails with her over to be able to receive email correspondence from XXXX XXXX  XXXX. I received a pdf via email stating that XXXX XXXX XXXX. has agreed to settle this account in full for {$17000.00} as long as payment was received on or before XX/XX/XXXX, Which I did pay over the phone on XX/XX/XXXX. It wasn't a receipt per say, but notification that an agreement had been reached and the terms, which I had fulfilled. 

In Early XXXX I received a letter from Radius Global Solutions stating that I owed them {$6800.00}, Which happens to be the balance outside of the lump sum that was agreed upon for the XXXX  XXXX payoff. I thought it was a scam until I received another letter in XXXX stating the same. I called Radius Global solutions in hope that there was a misunderstanding. I spoke to a representative explaining that my debt to XXXX XXXX had been settled via a previous creditor. After a muffled conversation with the representative, I was placed on hold for 20 minutes until the call dropped on the creditors end. The next day I called XXXX XXXX XXXX to try and see if there had been a misunderstanding and to get any documentation that I could to prove that the debt had been paid off. I was given XXXX XXXX 's extension, followed by her voicemail. I left my callback info but never received a call back. I tried calling again on 2 separate occasions and was again forwarded to voicemail. I am hoping to find a way to resolve this situation since I did meet the terms listed for me to satisfy the debt for 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 2025-04-29 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXXXXXX XXXX XXXX XXXX, which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX  XXXX ) for deceptive and misleading reporting.

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 2025-04-29 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:
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 2025-04-29 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 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Nav Technologies, Inc.
State: GA

Complaint narrative:
I applied for the XXXX XXXX XXXX through XXXX Technologies , IncXXXX on XX/XX/year>. My application was denied with a vague message stating : Unfortunately, our banking partner was unable to approve you at this time due to an inability to verify your identity. We will reach out in the future if you are eligible to reapply. 

Despite repeated efforts to clarify and resolve the issue through XXXX chat support, I was not issued a proper adverse action notice as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 

Under the FCRA, any company that denies credit based on a consumer report ( including identity verification databases or data brokers ) must provide a written notice that includes : The name, address, and phone number of the consumer reporting agency used ; A statement that the agency did not make the decision ; The right to obtain a free copy of the report and dispute the accuracy. 

XXXX  failed to comply with this requirement, despite my clear identity verification documentation ( including EIN, IRS letters, valid business registration, and drivers license ). Their refusal to explain what systems were used, or to issue a compliant notice, constitutes a willful violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-29 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: OK

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 2025-04-29 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: OK

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 2025-04-29 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: DC

Complaint narrative:
The XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX was closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct the balance, status and block this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I disputed for accounts with Experian and apparently they came back verified. I asked for further information on how they came to that conclusion who they talk to etc. and have yet to get that information. 
Date : [ Insert Date ] To : Experience XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Description of Dispute Verification Procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Dear [ Experian ], I am writing in reference to a recent dispute I submitted regarding information contained in my credit report. The disputed item was verified as accurate by your agency, and I am now exercising my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 7 ). 

I hereby formally request a description of the procedure used to determine the accuracy and completeness of the information in question. Additionally, please provide : The name, address, and, if reasonably available, the telephone number of the furnisher of the information that was contacted during your investigation. 

Below are the details of the disputed item : Account Name : [ Name of Creditor or Furnisher ] Account Number : [ Full or Partial Account Number ] Date of Dispute Submission : [ Date ] Confirmation/Case Number : [ If applicable ] Please send your response to the mailing address listed above. I expect your response within the time required by law. 

Sincerely, [ my Signature ] [ myPrinted Name ]

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 2025-04-29 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: SC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-29 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: WA

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 non-monetary relief