vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have survived human trafficking, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
Identity Theft Affidavit Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX To : TransUnion, XXXX  , & Experian Date : XX/XX/XXXXXXXX  Subject : URGENT MATTER Identity Theft Affidavit and Request for Removal of Fraudulent Information ( ID Card Attached Below ) I, XXXX XXXX, hereby declare that I am a victim of identity theft. I intend to challenge a dispute with an FTC report for the fraudulent items listed below and request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.

1681. The following violations apply : Applicable Violations : 1. 2. 3. 4. 5. 15 U.S.C. 1681 Section 602A : I have the right to privacy.
15 U.S.C. 6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) The institution clearly discloses such intent.

( B ) The consumer has the opportunity to opt-out.

( C ) The consumer is given an explanation of how to exercise that right.

15 U.S.C. 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 
Remove the Following Fraudulent Accounts : XXXX. XXXX. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/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 2025-06-30 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: OH

Complaint narrative:
I am writing in reference to the response submitted by the furnisher in relation to my prior complaint ( # XXXX ). I respectfully dispute their claims and request that this case remain open for further investigation based on the following legal and procedural concerns : Insufficient Validation of Debt ( FDCPA 15 U.S. Code 1692g ) : The documentation provided by the furnisher does not constitute full validation under federal law. A mere copy of a contract and an account statement does not verify the complete chain of custody or prove that the alleged debt is valid, enforceable, and collectible. The FDCPA requires that they demonstrate their legal right to collect and furnish this debt, including : Proof of ownership or assignment of the debt A complete accounting of the debt from origination to present Confirmation that the balance is accurate and not inflated by unlawful fees or interest No Response to Specific Disputes under FCRA ( 15 U.S. Code 1681i ) : I had requested specific details challenging the accuracy of the information being reported to the Credit Reporting Agencies ( CRAs ). The furnisher did not provide any line-by-line verification or reinvestigation results as required under the FCRA. Simply claiming the debt is valid is not a substitute for a reinvestigation.

Material Omission Regarding Disputed Status ( FCRA 1681s-2 ( a ) ( 3 ) ) : While the furnisher claims they marked the account as disputed, I have obtained my credit report, and the disputed notation does not appear. This is a violation of their duty under the FCRA to report any account that is disputed by the consumer.

Failure to Provide Full Records of Communication and Transaction History : I formally requested all internal notes, call recordings, and communications pertaining to this account, along with a full payment history. To date, that information has not been provided. This omission prevents me from validating any alleged charges or interest accrued. 

License Status is Irrelevant Without Jurisdiction and Proof of Standing : While the company claims to be licensed in Ohio, they have failed to show jurisdiction, standing, or a legal right to collect this alleged debt in my state of residence, nor have they proven the debt is not time-barred under applicable statute of limitations laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
I am writing in reference to the response submitted by the furnisher in relation to my prior complaint ( # XXXX ). I respectfully dispute their claims and request that this case remain open for further investigation based on the following legal and procedural concerns : Insufficient Validation of Debt ( FDCPA 15 U.S. Code 1692g ) : The documentation provided by the furnisher does not constitute full validation under federal law. A mere copy of a contract and an account statement does not verify the complete chain of custody or prove that the alleged debt is valid, enforceable, and collectible. The FDCPA requires that they demonstrate their legal right to collect and furnish this debt, including : Proof of ownership or assignment of the debt A complete accounting of the debt from origination to present Confirmation that the balance is accurate and not inflated by unlawful fees or interest No Response to Specific Disputes under FCRA ( 15 U.S. Code 1681i ) : I had requested specific details challenging the accuracy of the information being reported to the Credit Reporting Agencies ( CRAs ). The furnisher did not provide any line-by-line verification or reinvestigation results as required under the FCRA. Simply claiming the debt is valid is not a substitute for a reinvestigation.

Material Omission Regarding Disputed Status ( FCRA 1681s-2 ( a ) ( 3 ) ) : While the furnisher claims they marked the account as disputed, I have obtained my credit report, and the disputed notation does not appear. This is a violation of their duty under the FCRA to report any account that is disputed by the consumer.

Failure to Provide Full Records of Communication and Transaction History : I formally requested all internal notes, call recordings, and communications pertaining to this account, along with a full payment history. To date, that information has not been provided. This omission prevents me from validating any alleged charges or interest accrued. 

License Status is Irrelevant Without Jurisdiction and Proof of Standing : While the company claims to be licensed in Ohio, they have failed to show jurisdiction, standing, or a legal right to collect this alleged debt in my state of residence, nor have they proven the debt is not time-barred under applicable statute of limitations laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I made a payment of {$4400.00} USD via PayPal to a seller who issued an invoice through XXXX XXXX. The payment was for goods that were promised to be delivered within 6090 days. I never received the goods. 

On XX/XX/year>, I filed a dispute through PayPal when the delivery deadline passed and I had no tracking or communication. The seller later submitted a tracking number ( XXXX ), but it turned out to be completely unrelated to medifferent recipient, no delivery to my address, and no signature. 

After I raised the dispute, the seller closed my XXXX account and blocked my access to all transaction details or communication. XXXX also refused to assist or refund me. 

Despite this, PayPal denied my claim stating that the transaction was ineligible for Purchase Protection but provided no legal or policy explanation when I asked multiple times for clarification. I asked PayPal to cite which section of their User Agreement made this transaction ineligible, but they repeatedly refused to do so. 

I am left without the goods I paid for and with no transparency from PayPal, despite providing evidence of fraud. I believe this is an unfair handling of a legitimate dispute, and I am seeking CFPB assistance in holding PayPal accountable and recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX AUTO - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MN

Complaint narrative:
Its incredibly distressing to see false, incorrect, and inaccurate information reported under my name. Ive worked hard and lived honestly, yet my credit report tells a different storyone filled with damaging errors that I did not create. As a consumer, I know I have rights and protections under the law, but this situation makes it feel like those rights are being ignored. 

These inaccuracies are already having a serious impact on my credit and my life. Im tired of living paycheck to paycheck while being denied credit because of errors Ive repeatedly tried to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am a victim of identity theft due to XXXX  Data breach. I found my social security to be comprised and used to open fraudulently account. I am in the process of buying a house and found several inquires that aren't mine. This is stopping me to from buying the house. I have inquires on my credit report that I did not authorize XXXX. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To whom it may concern, My issue started when XXXX XXXX XXXX  took over a property called XXXX XXXX XXXX after XXXX XXXX XXXX. The company is trying to collect a debit for the previous company. This company also did not follow the proper procedures of eviction. No sheriff came to evict and no keys was surrendered but the unit was emptied while I was along side my grandmothers deathbed. The property manager admits to changing the locks and said if they had knew what was going on that they wouldnt have changed my locks, but now someone is scheduled to move in your old unit I am not understanding why I have a balance especially when related management illegally evicted and breached their end of overtaking XXXX  leasing an agreement. This has affected my life tremendously in a negative way due to whats being reported on my credit profile for years I have been suffering, homelessness and living from home to home all because of poor management and careless decision decisions. Related has been very avoiding of properly investigating this situation. All that they can provide for me is a rent ledger no lease no photo ID no better information no backing technically they wouldnt even know who the debt belongs to. Theyre just trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
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  In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
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  In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00}, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
This account, registered under [ XXXX XXXX ], has not be properly verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. As a consumer, I have the right to dispute information that is not accurate, complete, or verifiable, and you have an obligation to correct or delete such information if it can not be validly verified.

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