vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am writing to file an urgent and formal complaint against Equifax, Experian, and TransUnion for allowing and reporting unauthorized, fraudulent credit inquiries on my credit reports, which are a direct result of identity theft. 
These inquiries were not made, initiated, or authorized by me under any circumstance. Their presence on my reports is a gross violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing substantial and ongoing damage to my credit and personal finances. 

Unauthorized Inquiries ( Fraudulent Activity ) : 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  Under 15 U.S.C . 1681b ( f ), it is unlawful for any person to obtain a consumer report unless they have a permissible purpose and the consumer has authorized it. These inquiries were conducted without my consent and therefore violate federal law.

Furthermore, 15 U.S.C. 1681c-2 entitles me, as a victim of identity theft, to demand the permanent blocking and removal of any item on my credit report resulting from such fraud, including unauthorized inquiries.

I am demanding : Immediate deletion and permanent blocking of all unauthorized inquiries from all three credit reports ; -A full reinvestigation of each inquiry as required under 15 U.S.C. 1681i ; -Written confirmation that these items have been removed from my file.

Enclosed Documentation : Government-issued photo ID Proof of current address A completed FTC Identity Theft Report Let me be absolutely clear : I did not authorize these inquiries. Any continued reporting of them is a violation of the FCRA and opens the door for legal action, including complaints with the Federal Trade Commission and the Office of the Attorney General, and potential civil litigation for damages.

This matter must be handled with the seriousness it deserves. I expect prompt action and a full written resolution within the time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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

Complaint narrative:
I am a XXXX user from XXXX. On XX/XX/year>, XXXX deactivated my account without a clear explanation and held my available balance of {$75.00} USD for a period of 180 days. 

I have not had any chargebacks, open disputes, or unauthorized transactions. All my activity was legitimate and conducted in good faith. I have attempted to contact XXXX to request an early release of the funds due to personal financial hardship, but I have not received a clear or fair response. 

I respectfully request that XXXX review my case and release my funds before the XXXX period ends, or at least provide a clear justification for the prolonged hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EXPERIAN data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file. 

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within XXXX ( XXXX ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

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 2025-06-12 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and was Shocked to find I had been the victim of identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit

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 2025-06-12 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: TX

Complaint narrative:
I am formally filing a complaint regarding fraudulent and inaccurate collection accounts that are being reported on my credit files by Equifax, Experian, and TransUnion. These collections are the direct result of identity theft, and I have never opened or authorized the accounts in question. 
These inaccurate entries are causing serious harm to my credit profile, reputation, and financial wellbeing. They are also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Collection Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} I am demanding the immediate removal and permanent blocking of these accounts under 15 U.S.C. 1681c-2, which states that consumer reporting agencies must block any information resulting from identity theft once the consumer provides proper documentation.

In addition, under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any inaccurate information, and if it can not be verified, it must be deleted from my credit file.

Legal Basis : 15 U.S.C. 1681b ( f ) prohibits the use or furnishing of a credit report without a permissible purpose.

15 U.S.C. 1681c-2 mandates the blocking of information resulting from identity theft once the consumer disputes it and provides proof.

15 U.S.C. 1681i requires consumer reporting agencies to conduct a timely and complete reinvestigation and delete unverifiable or inaccurate information.

I Am Demanding : Immediate deletion and permanent blocking of all fraudulent collection accounts from all credit reports ; A full reinvestigation as required by federal law ; Written confirmation of the results and removal of these items ; That no further verification or reinsertion of these fraudulent collections occur without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

Enclosed Documentation : A copy of my government-issued photo ID Proof of current address A signed FTC Identity Theft Report These entries are false, fraudulent, and damaging, and I will not tolerate their continued reporting. Failure to act in compliance with federal law may result in formal complaints to the Federal Trade Commission, my State Attorney General, and consideration of civil action for statutory damages under the FCRA.

I expect a full and immediate resolution of this matter and written confirmation that these fraudulent collections have been removed from my file.

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 2025-06-12 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: TX

Complaint narrative:
I am formally filing a complaint regarding fraudulent and inaccurate collection accounts that are being reported on my credit files by Equifax, Experian, and TransUnion. These collections are the direct result of identity theft, and I have never opened or authorized the accounts in question. 
These inaccurate entries are causing serious harm to my credit profile, reputation, and financial wellbeing. They are also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Collection Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} I am demanding the immediate removal and permanent blocking of these accounts under 15 U.S.C. 1681c-2, which states that consumer reporting agencies must block any information resulting from identity theft once the consumer provides proper documentation.

In addition, under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any inaccurate information, and if it can not be verified, it must be deleted from my credit file.

Legal Basis : 15 U.S.C. 1681b ( f ) prohibits the use or furnishing of a credit report without a permissible purpose.

15 U.S.C. 1681c-2 mandates the blocking of information resulting from identity theft once the consumer disputes it and provides proof.

15 U.S.C. 1681i requires consumer reporting agencies to conduct a timely and complete reinvestigation and delete unverifiable or inaccurate information.

I Am Demanding : Immediate deletion and permanent blocking of all fraudulent collection accounts from all credit reports ; A full reinvestigation as required by federal law ; Written confirmation of the results and removal of these items ; That no further verification or reinsertion of these fraudulent collections occur without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

Enclosed Documentation : A copy of my government-issued photo ID Proof of current address A signed FTC Identity Theft Report These entries are false, fraudulent, and damaging, and I will not tolerate their continued reporting. Failure to act in compliance with federal law may result in formal complaints to the Federal Trade Commission, my State Attorney General, and consideration of civil action for statutory damages under the FCRA.

I expect a full and immediate resolution of this matter and written confirmation that these fraudulent collections have been removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
I have hard credit inquiries that I don't recognize 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 2025-06-12 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: AZ

Complaint narrative:
I have hard credit inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
An unlicensed debt collector is attempting to collect an alleged debt from me. Under Florida statute XXXX, a collection agency must be registered with the state of Florida before engaging in any collection activity. This company is operating without a license which makes their activities XXXX. My written request to cease all collection activity and delete any accounts from all three credit bureaus have gone ignored. This has caused great damage to my credit score and its a willful violation of the FDCPA and 15 U.S. Code 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-06-12 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: NJ

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. 

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 

XXXX XXXX XXXX XXXX, NJ XXXX & XXXX XXXX XXXX XXXX XXXX, NY 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 2025-06-12 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S XXXX  ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Law 15 U.S.C 1681i ( a ) ( 5 ) ( A ) States that items that can not be verified must be deleted from my credit report/file. The companies I'm about to name Must provide my original wet signature and documents stating I have done any kind of business with them. Anything else is legally insufficient under federal law. The following Companies has to provide the validation of the debt. 

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 is reported XXXX With the same account number with different amounts.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Velocity Investments , LLC accessed my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX also pulled my credit report. I did not authorize these inquiries, and I have never received a debt validation notice from either company, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 

I have no known relationship or signed agreement with either company. I was never contacted by them before these credit report pulls, and I only became aware of them by reviewing my credit report. The lack of a permissible purpose for accessing my credit file appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which restricts access to a consumer 's credit report to certain valid purposes.

These unauthorized inquiries have caused distress, may negatively impact my credit score, and violate my privacy. I have included a screenshot from my credit report showing the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
There are multiple charges on my checking account that do not match the list of active loans. I have a report that I could send you a PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX they restricted my debit card use for no apparent reason and I didn't receive a copy or email of their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief