vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$12000.00}, XXXX XXXX  Balance {$10000.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX {$1800.00}, 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-daXXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOVERY has bought an alleged debt from XXXX Bank as well as XXXX XXXX XXXX 

They are listed on my credit report as the Original Creditor WHICH IS FALSE! Portfolio Recovery has them listed on my report as if I opened a tradeline with them in this year of XXXX! I HAVE NOT! THEY ARE A THIRD PARTY COLLECTION AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I received this response from XXXX. This response is not different from those which prevented me from reaching a real person to take a closer look at my situation.

" XXXX XXXX XXXX XXXX  XXXX Replying to XXXX XXXXXXXX XXXX there! Thank you for reaching out to PayPal. We are sorry to hear that your account has been limited. There could be several reasons, such as regulatory requirements, policy violations, unauthorized use, higher risk activity, or inactivity. If your account is limited, you won't be able to do certain things like send or withdraw money. To remove limitations on the account please refer to the article link and follow the steps : https : //paypal.comXXXX For any additional assistance, please contact our customer support team by clicking 'contact us ' at the bottom of the PayPal homepage and reaching us through call and selecting " Call us as Guest '' or by referring to the link https : //paypal.com/XXXX XXXXXXXX '' Here is the situation : My PayPal account was permanently limited ( Ref ID : XXXX ), and I have been unable to respond or appeal. I was informed I had violated the Purchase Protection Program by filing multiple cases. However, I only opened cases after contacting unresponsive vendors who promoted 30-day money-back guarantees and delivered products that were significantly not as described, according to PayPals own policy. 

I submitted documentation and followed the process in good faith. I was then blocked from replying via the Message Center and was given a support email that no longer works. I attempted to escalate on XXXX ( XXXX ) via @ XXXX and was given a generic response with no review. 

I am requesting a human review, a clear explanation of what triggered the account ban, and the opportunity to respond formally. I rely on PayPal for business and personal transactions and have always acted with integrity. Please help escalate this to someone who can properly review the circumstances. 

Thank you for your assistance. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
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 AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Company : PayPal Transaction Dates : XX/XX/year> XX/XX/year>, XX/XX/year> Incident Occurred : PayPal authorized an unauthorized transaction on my PayPal debit card. I have disputed the transaction and requested for mediation and a investigation. 
I was told by an PayPal agent, that I couldn't dispute the unauthorized transaction. However ; I have felt violated and robbed. 
I want my money back as soon as possible. 
PayPal has an reputation of stealing from customers and being sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage was sold from XXXX XXXX XXXX  to ServiceMac on XX/XX/year>. Both my homeowners insurance and flood insurance were due on XX/XX/year>. Prior to the transfer, my escrow account with XXXX XXXX  showed deductions for both insurance payments. According to the records, disbursements were made for homeowners insurance on XX/XX/year>, and for flood insurance on XX/XX/year>. 

Despite these payments, I received a notice that my insurance had not been paid. On XX/XX/XXXX, XXXX 30 days after the flood insurance was dueI was informed by the insurance agent who issued the policy that my flood insurance policy had been canceled. I was told I would need to purchase a new policy at nearly double the cost of the original policy. 

Throughout this time, I remained in contact with the insurance agent, and both the agent and I were in communication with ServiceMac. ServiceMac repeatedly assured us that the payment check was sent to the flood insurance company, and I can see that funds were taken from my escrow account. However, the flood insurance company is refusing to honor my original policy because they claim they never received the payment.

The name of the flood insurance provider is XXXX XXXX. I believe there is a mishandling of my escrow funds and insurance payments during the mortgage transfer process, resulting in the cancellation of my policy and financial harm.

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 monetary relief
Consumer complaint received 2025-07-22 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am currently working to rebuild my financial life and have identified several issues related to identity theft. 

I am a verified victim of identity theft, with my personal data compromised in two separate data breaches : The XXXX XXXX XXXX data breach, and The XXXX  breach in XXXX. 
As a result, there are multiple unauthorized credit card accounts, collection accounts, email addresses, and physical addresses associated with my credit report that do not belong to me. These accounts were not opened or approved by me and are directly related to identity theft. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting the following : A complete investigation of all disputed accounts and inaccurate information reported in my name, including addresses and email addresses that are not mine.

Removal of all accounts and information determined to be the result of fraud or identity theft. 
Correction and updating of my personal identifying information to reflect only accurate and verified data. 
Written confirmation that the items have been removed or a detailed explanation if they are not. 
According to Section 611 of the FCRA, I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete, and credit reporting agencies are required to investigate the items within 30 days of receiving this notice. Under Section 609 ( e ), I also have the right to block fraudulent information resulting from identity theft from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
I am currently working to rebuild my financial life and have identified several issues related to identity theft. 

I am a verified victim of identity theft, with my personal data compromised in XXXX separate data breaches : The XXXX XXXX XXXX data breach, and The XXXX  breach in XXXX. 
As a result, there are multiple unauthorized credit card accounts, collection accounts, email addresses, and physical addresses associated with my credit report that do not belong to me. These accounts were not opened or approved by me and are directly related to identity theft. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting the following : A complete investigation of all disputed accounts and inaccurate information reported in my name, including addresses and email addresses that are not mine.

Removal of all accounts and information determined to be the result of fraud or identity theft. 
Correction and updating of my personal identifying information to reflect only accurate and verified data. 
Written confirmation that the items have been removed or a detailed explanation if they are not. 
According to Section 611 of the FCRA, I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete, and credit reporting agencies are required to investigate the items within 30 days of receiving this notice. Under Section 609 ( e ), I also have the right to block fraudulent information resulting from identity theft from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This account is being reported inaccurately and without proper documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Additionally, I assert that [ Creditor Name ] violated applicable state consumer protection laws and the Uniform Commercial Code ( UCC ) when repossessing my vehicle. Specifically : The creditor failed to provide a required notice of default or rights to cure prior to repossession, depriving me of the opportunity to bring the account current as required under state law.

After repossession, I was never provided with a notice of sale or a deficiency balance as required by UCC 9-611 and 9-614, preventing me from redeeming the vehicle or understanding the amount allegedly owed.

The account is being reported inaccurately and without proper verification to the credit bureaus. 

Because of these failures, I respectfully demand that you : Conduct a full investigation as required under the Fair Credit Reporting Act.

Obtain and provide me with documentation from the creditor verifying the accuracy and completeness of this account. 

If the creditor is unable to provide proper documentation, or if your investigation confirms these violations, immediately delete this account from my credit file. 

Please complete your investigation within 30 days as required by law and send me written confirmation of the outcome, along with an updated copy of my credit report. 

Attached, please find a copy of my identification and proof of address, as well as a copy of my credit report highlighting the disputed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

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

1681c-2 ) that you, the Experian Credit 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, TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$89.00} XXXX & XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 explanation
Consumer complaint received 2025-07-22 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am currently working to rebuild my financial life and have identified several issues related to identity theft. 

I am a verified victim of identity theft, with my personal data compromised in two separate data breaches : The XXXX XXXX XXXX data breach, and The XXXX  breach in XXXX. 
As a result, there are multiple unauthorized credit card accounts, collection accounts, email addresses, and physical addresses associated with my credit report that do not belong to me. These accounts were not opened or approved by me and are directly related to identity theft. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting the following : A complete investigation of all disputed accounts and inaccurate information reported in my name, including addresses and email addresses that are not mine. 
Removal of all accounts and information determined to be the result of fraud or identity theft. 
Correction and updating of my personal identifying information to reflect only accurate and verified data. 
Written confirmation that the items have been removed or a detailed explanation if they are not. 
According to Section 611 of the FCRA, I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete, and credit reporting agencies are required to investigate the items within 30 days of receiving this notice. Under Section 609 ( e ), I also have the right to block fraudulent information resulting from identity theft from appearing 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 2025-07-22 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-22 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:
This account is not mine and hasnt been needs to be removed immediatly,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
Eviction File Date : XXXX [ Address : XXXX XXXX XXXX XXXX TX XXXX Amount * {$5300.00} I am a victim of more than several credit breeches and my information has been used without my knowledge and it is clearly that I am a victim of identity theft, 1681n. Civil liability for willful noncompliance Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

According to FCRA Section 605B. It is illegal to report information on my credit report without my permission.

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