vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This collection agency shows up on my credit. I was never provided any mail or correspondence about any amount due. I contacted the company and they told me it was a hospital bill from XXXX XXXX, they gave me the date 3 years ( XXXX XXXX XXXX XXXX  ), I questioned why I was never contacted before putting it on my credit. The lady arguably disregarded my questioning. I told them I could pay right then, she offered a lower payment and I gladly accepted, she sent me a receipt by email, and stated I would get a letter of pay off. I have not received this yet. It's still on my credit. I contacted them again, and a different lady told me she is showing it paid and that it's up to the credit bureau reporting and processing times. I asked when would I get a letter, she says within 30 days, ITS been way beyond that now. I further advised that I was never provided notice before putting on credit. She confirmed that text messages had been sent to another number I no longer have and no mail was sent because it was electronic???. I would think something of this nature would be sent US Postal. Please assist me with removing from My credit, I have disputed several times with XXXX  and it keeps getting closed as UNPAID, and that is not true. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
On XX/XX/year> I mailed Transunion LLC XXXX XXXX XXXX XXXX, XXXX IL XXXX a certify mail which they recieve on XXXX XXXX about XXXX XXXX Account # XXXX is furnished illegal late payments the company has reported on my credit report there is XXXX compliance procedure the company must do to be able to furnish a late payment 15U.S.C.1666b is part of Truth In Lending Act ( TILA ) it states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1.I requested periodic statement 2.Information from 1637 ( b ) 3. needs to be mailed or delivered 21 days or less 4.I requested mail tracking number 5. 1681a ( p ) I requested Negative information notice I never received the notice 30 days before or after the late illegal late payments was reported on to my credit. this is a violation of 623,611, 1681e ( b ) maxum possible of accuracy 1681i, of the Fair Credit Reporting Act ( FCRA ) violation of the Fair Debt Collection Practice Act ( FDCPA ) E ( 8 ) ( 10 ) misleading information known to be false on a consumer credit report defamation of character

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 2025-05-23 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: MS

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FXXXX 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 Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FXXXX 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 Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2025-05-23 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: MRS BPO, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and a member of an XXXX XXXX XXXX. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting. 

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Account Number : XXXX MRSBPO/ XXXX XXXX  XX/XX/XXXX Account Number : XXXX XXXX Inquiry XX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an XXXX XXXX XXXX  I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding my recent stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... from XXXX XXXX XXXX ( Booking Ref : XXXX ). 

Throughout my stay, I encountered multiple significant issues : Access and App Activation Failures : I was repeatedly provided incorrect or invalid email addresses and PINs for the XXXX XXXX  app. This caused unnecessary delays and distress in gaining access to the unit. 

WiFi Connection Problems : The WiFi credentials were incorrect or unusable, and the connection was only restored after extended attempts and communication with the host. 

Lack of Reliable Contact : Several provided phone numbers did not work, and messages frequently went unanswered. 

False Accusations : I was falsely accused by the host of rude behavior and violating parking policies. However, the temporary parking pass was issued by building security staff without my solicitation. This was done per their internal process upon confirming I was a guest. 

Misrepresentation of Property Condition : The actual condition of the unit was significantly below the advertised quality. It was unclean, damaged, and neglected. 

Given the above, I respectfully request the following : A formal investigation into the hosts conduct and listing practices. 

Immediate removal of the false report made against me. 

A full refund due to the misleading nature of the listing, technical failures, and guest mistreatment. 

I have attached screenshots and supporting documentation. Please confirm receipt of this complaint and advise on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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 explanation
Consumer complaint received 2025-05-23 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:
b'I am submitting a follow-up complaint regarding the accounts listed on my credit report. After a comprehensive review of my records, I am strongly convinced that these accounts have been inaccurately reported, negatively impacting my credit standing. Despite my diligent efforts to recollect any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises questions about the accuracy and validity of the reported items. Below are the items that I request to be investigated and updated: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
b'I am submitting a follow-up complaint regarding the accounts listed on my credit report. After a comprehensive review of my records, I am strongly convinced that these accounts have been inaccurately reported, negatively impacting my credit standing. Despite my diligent efforts to recollect any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises questions about the accuracy and validity of the reported items. Below are the items that I request to be investigated and updated: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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I seen a collection appear on my credit report earlier this week I never got no mail nor email saying I old to XXXX XXXX XXXX so I thought it was fraud come to find out the card company that I had recently disputed the first collection company they sold it to got it deleted they sold it to a second collection company which is XXXX XXXX XXXX like I said earlier I had knowledge that it was sold a second time it just pop up on my credit they violated my rights from the start from not notifying me that that purchase the debt I will attach the picture of the first collection company that I got deleted for this same debt Personal Statement PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding unauthorized financial and data access via XXXX ( XXXX ) and associated platforms. My XXXX has been backing up personal app data and photos to XXXX  without consent, and I suspect identity theft and digital surveillance across multiple apps and accounts ( including XXXX, XXXX, XXXX ). 

This complaint also extends to prior unresolved disputes with Robinhood, XXXX, and other platforms holding or syncing my financial and digital assets without my authorization. 

Please consider this a multi-platform fraud case involving : Data collection without user consent Identity abuse using forged XXXX accounts Financial routing patterns using XXXX, browser XXXX, and false configuration profiles I can provide logs, screenshots, and detailed transaction trails on request. 

I have documented the following : Full device screenshots showing unauthorized XXXX and XXXX backups XXXX XXXX confirming hijack and unauthorized control over more than {$3.00} XXXX USD in XXXX-based assets A broader financial ecosystem traced to my identity with assets exceeding {$13.00} XXXX USD across XXXX addresses, platforms, and vaults Unauthorized XXXX  and smart contract infrastructure used to stake, resell, or relabel funds via Robinhood, XXXX, XXXX, XXXX, and others I am requesting urgent regulatory assistance in unlocking these systems and recovering full control over what is rightfully mine. This includes validator income, XXXX conversions, tokenized equity, and wrapped XXXX moved without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX, XXXX XXXX XXXX XXXX XXXX am filing a formal dispute regarding a series of unauthorized hard inquiries that have been placed on my credit report. These inquiries were made without my knowledge, approval, or written consent, and I did not initiate any credit applications with the entities listed below. 

As defined by the Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a report with the explicit consent of the consumer, or in relation to a credit transaction initiated by the consumer. These inquiries fail to meet that requirement. 

XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a credit report without a permissible purpose.

15 U.S.C. 1681b ( c ) : Requires prior written consent or consumer-initiated credit action.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Mandates the blocking of identity theft-related information within 4 business days upon receiving proper documentation.

These inquiries are a direct result of identity theft, and I am submitting this dispute along with my official FTC Identity Theft Report. As provided by FCRA 605B, the credit bureaus are required to permanently block and delete this fraudulent data within four ( 4 ) business days of receiving this notice and supporting documentation.

I am not requesting validation. I am demanding immediate deletion, as the inquiries are unlawful and harmful to my credit profile. 

Requested Action : Immediately investigate and remove each inquiry listed above. 
Provide proof of written authorization, or permanently delete the inquiries.

Issue updated credit reports reflecting the removal.

Notify any third parties who may have accessed the incorrect data.

Attached Supporting Documents : Copy of government-issued photo ID Copy of Social Security card Proof of address ( utility bill ) - the bank statement is for address verification only.

FTC Identity Theft Report Please confirm receipt and action in accordance with the FCRA. If no action is taken, I will pursue all available legal remedies under federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-23 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: IN

Complaint narrative:
I did no authorize to run my credit report please remove all hard inquiries off my transunion 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 2025-05-23 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/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 2025-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Follow-Up Dispute Of Collection Account - Request for Method Of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account [ XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agencys failure to provide debt validation. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account.

The name and contact information of the person or entity that provided the verification.

Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-complaint with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by 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 explanation