vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
Ive been trying to build up my business and trying to purchase things and my credit keeps getting declined so I pulled my credit report and every credit report has none of them have the right name or the right address they have all these bogus names a total of 18 different names. None of them are my legal name, five or six different addresses with 19 different open accounts. I need them all taken off my credit. None of them are mine and I authorize anybody to go ahead and open up account without my information Im furious and I need your help please

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 2025-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One credit card appears with two late payments which is inaccurate because all my payments are made on time always

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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:
This is a supplemental complaint to CFPB Case # XXXX, originally filed on XX/XX/2025, concerning TransUnions failure to comply with FCRA 605B after receiving my full identity theft dispute package.

New Evidence Fraudulent Bank Accounts : I recently became aware that fraudulent bank accounts may have been opened under my name as part of the same identity theft scheme involving the loan accounts previously disputed. 

On this basis, I filed a new FTC Identity Theft Report ( # XXXX ) to document the potential existence of these accounts, including a possible XXXX XXXX XXXXXXXX account opened without my authorization. 

It appears these accounts may have been used to receive funds from the fraudulent loans, which further supports the position that I was not involved in the loan originations nor did I benefit from them. 

XXXX XXXX XXXX : Despite receiving my complete identity theft package on XX/XX/2025 ( confirmed via XXXX delivery ), TransUnion has : Failed to block the fraudulent accounts within the required 4 business days, as required under 15 U.S.C. 1681c-2. 

Sent emails on XX/XX/XXXX and XX/XX/XXXX falsely implying that they have 3060 days to investigate, which is a misapplication of the FCRA dispute timeframe in cases of identity theft. 

Provided no confirmation of deletion or blocking of any fraudulent accounts as of today. 

XXXX Has Complied For Comparison : It is important to note that XXXX who received the same identity theft package, has already blocked and removed the fraudulent accounts from my credit file. This illustrates that my identity theft claim and documentation are valid and sufficient for compliance under FCRA 605B.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern & Stern. P.C.
State: FL

Complaint narrative:
I am filing this complaint against Stern & Stern, a debt collection firm, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This complaint supplements but does not replace a previous CFPB complaint I filed regarding their failure to validate a debt. 

Background The account in question was charged off by the original creditor. 
Stern & Stern has attempted to collect without ever providing proper chain-of-custody documentation. Instead, they only produced a credit card statement, which does not satisfy the validation requirements under FDCPA 1692g. 
I have received phone calls from Stern & Stern attempting to collect, which I now recognize as harassment under FDCPA 1692d. Although I deleted the most recent call out of anger, the pattern of inconsistent but repeated calling remains. Violations 1. Failure to Validate Debt Stern & Stern has neve
r provided proof of ownership or assignment of the debt, only a statement. This is insufficient validation under FDCPA 1692g.

2. Furnishing Inaccurate Information They reported two different balances/settlement numbers across XXXX XXXX XXXX 
This is inaccurate and misleading, violating FCRA 623 ( 15 U.S.C. 1681s-2 ). 
3. Misrepresentation of Amount Owed Stern & Stern appears to have altered the debt balance to reflect what they are willing to accept, rather than the original creditors charged-off amount.

This constitutes a false representation of the character, amount, or legal status of the debt under FDCPA 1692e.

4. Harassment by Calls Despite failure to validate, Stern & Stern has continued to call me regarding this alleged debt. This is harassment under FDCPA 1692d. 
5. Jurisdiction and Licensing Concerns I am now a resident of Florida. To my knowledge, Stern & Stern has not provided proof of a Florida debt collection license. If they are operating in Florida without one, this is an additional violation of state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9500.00} from { XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing a complaint regarding a Jefferson Capital Systems LLC collection account, reported on XX/XX/year>, with an alleged balance of {$240.00}. The original creditor is listed as XXXX. 

This account is inaccurate and is the result of fraudulent reporting. It was not authorized by me and does not belong to me. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that this account be blocked and permanently deleted from my credit reports. 

I have submitted valid identity theft documentation ( government-issued ID and identity theft report ) and formally disputed this tradeline, yet it continues to appear. This continued reporting is causing direct harm to my creditworthiness. 

I am requesting immediate investigation and removal of this account from all credit reports, with written confirmation once the deletion is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
On XX/XX/year>, I noticed my PayPal account was deactivated after it had already been restricted for at least XXXX days prior. This happened even though I had submitted the information PayPal requested from me. The exact amount being held is {$9.00}. 

This was a newly opened business account for my family photography work. I am a beginner photographer and rely on small payments from clients, so holding {$9.00} for XXXX months creates unnecessary hardship. I contacted PayPal customer service multiple times and provided everything they asked for, but my account was still deactivated without a clear explanation. 

I am concerned that holding my money for XXXX  days is unfair, especially since the amount is small and I have complied with all requests. I am filing this complaint because I want PayPal to release my funds immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX this debt isnt mine and i dont know what it even is about as it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, a complaint is being filed to report repeated, unsuccessful attempts to close a Paypal account linked to an old email ( XXXX ). I have a history of identity theft and continue to receive phishing emails daily to this email and to my current email.On or about XX/XX/year>2025 an attempt was made to close the PayPal account. However it was discovered that the old email is still linked to a PayPal account. I have spent the last 2 years dealing with identity theft that has attacked Bank and financial accounts this outgoing issue is believed to be change to the broader fraud I have been experiencing in the last two years PayPal has been contacted on multiple occasions over the past two years to address the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
I have an inquiry on my credit report for XXXX XXXX  the date is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, several fraudulent transactions were made on my Wells Fargo checking account using my debit card, totaling about {$3900.00} at XXXX XXXX XXXX XXXX XXXX  and one online purchase. I immediately reported the fraud, and on XX/XX/year>, Wells Fargo closed my claim in my favor and credited my account. 

At the end of XXXX, I received a letter stating that Wells Fargo would reverse the credit, claiming the transactions were authorized, and that {$3900.00} would be debited from my account on XX/XX/year>. I did not authorize, initiate, or benefit from these charges. 

On XX/XX/year>, I called Wells Fargo to appeal but the Fraud Department was closed. Since XX/XX/XXXX is a holiday, the first day they reopen is XX/XX/XXXX the same day the debit is scheduled. I asked Wells Fargo to provide evidence ( IP address, device info, logs ) showing these were authorized, but they have not provided it. 

This violates my rights under Regulation E, which requires the bank to prove that the transactions were authorized. I am requesting that the debit be stopped, the claim reopened, and the funds remain in my account unless clear proof is shown.

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 2025-08-31 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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