vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a formal dispute against Equifax for failing to delete a collection account reported by XXXX XXXX XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX ) in connection with an alleged debt from XXXX XXXX. The alleged balance is {$4300.00}. Despite my prior dispute, Equifax did not provide evidence that meets the legal burden of proof under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). Equifax claims to have verified the account, yet no signed agreement bearing my signature or Social Security number was provided, nor was any legal assignment contract showing XXXX has authority to collect on behalf of XXXX XXXX. This violates FDCPA 1692g ( b ), which requires validation of the debt upon request, including proof of the original creditor and assignment rights. Further, this account has been illegally re-aged. It continues to be updated through XX/XX/year> despite there being no consumer-initiated activity, which violates FCRA 1681c ( a ) ( 4 ). This law prohibits furnishing collection account data beyond seven years from the date of first delinquency. Additionally, FCRA 1681i ( a ) ( 5 ) ( A ) requires unverifiable information to be deleted. Equifax 's response that the account " belongs to me '' is insufficient and fails to meet the standard of " maximum possible accuracy '' under FCRA 1681e ( b ). Discrepancies in the balance amount and the absence of original agreement terms further demonstrate that the account is inaccurate and unverifiable. Equifaxs failure to conduct a proper investigation and its reliance on unverifiable data violate my consumer rights. I am demanding that this collection account be permanently removed from my Equifax credit file. If Equifax can not provide full legal validation including a copy of the original signed agreement and an assignment contract, this account must be deleted immediately under FCRA. I request that the CFPB take immediate action to ensure Equifax complies with federal law and upholds my rights as a consumer. Continued failure to do so may lead me to pursue further legal action for willful and negligent violations under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Your address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Phone number XXXX Todays Date XX/XX/XXXX TransUnion LLC Consumer Dispute Center, XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

* * Accounts in Question : * * ( Installment loans {$440.00} ) * * Personal Information : * * - Name : XXXX XXXX - Addresses : XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
XXXX XXXX {$300.00} no action was taking Iam writing to challenge the reporting and compliance on an account with Receivable MGMT SvCS that is being reported on my credit report with incorrect/missing info. 
Iam referencing the fact that you are reporting an incorrect high balance a missing field of insert missing field here such as status an inaccurate data of last activity an inaccurate reporting date.

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 2025-05-06 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: FL

Complaint narrative:
My Venmo account via XXXX XXXX has been getting declined since Friday XXXXXXXX XXXX I contacted Venmo asking why im getting declined when in fact i have money in there. Ive been told serval times, they dont have an answer and the system will allow payments to go through when it does. I was never given a time frame, a reason why, nothing. It has been 4 days and there has been no resolution. I cant transfer my money out to my own bank account, send money to friend, pay bills, nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX RESEARCH REQUEST CONFIRMATION NUMBER XXXX Dear XXXX I have been a victim of identity theft and fraud, and you continue to have fraudulent and delinquent accounts and information on my credit report that do not belong to me. 

The previous address listed on my report is : XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not mine, nor have I ever lived there at any point in my life. It is fraudulent. 

Additionally, there is a closed account listed under " Discount Card '' with a balance that does not belong to me. This is also a case of fraud and needs to be removed immediately. 

I request that you resolve this matter as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXX notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXX notice requirement, their reporting and collection activity is unlawful.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I am a victim of identity theft. I recently discovered that fraudulent accounts and/or debts have been opened or incurred in my name without my knowledge or authorization. These unauthorized actions have negatively affected my credit and financial standing. 
I am requesting an investigation into this matter under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which grants victims of identity theft the right to block fraudulent information from their credit reports. 
Please use this report to initiate the process of removing any accounts or debts that are the result of identity theft from my credit file and to stop further collection actions. 
I respectfully request written confirmation once the information has been removed or blocked and appreciate your assistance in resolving this matter.

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 2025-05-06 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX DEPT OF ED-XXXX  Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
HSBC Bank is reporting a charge-off account to XXXX, dated XX/XX/year>, with a balance of {$0.00}. This entry is misleading, internally inconsistent, and damaging to my credit profile. Reporting an account as charged off while also listing a {$0.00} balance contradicts the basic definition of what a charge-off representsa loss where the bank has determined that the debt will not be collected. If the balance is truly {$0.00}, then HSBC has either been made whole, accepted payment, closed the account in good standing, or otherwise resolved the obligation. Under no circumstances should this account continue to be labeled as a charge-off if there is no balance owed. That designation is punitive, and the continued reporting of such status misrepresents my financial conduct and risks unlawfully skewing my creditworthiness. 

Moreover, I must point out the possibility that this reporting may stem from data mismatch, sloppy internal systems, or the all-too-common result of information being mishandled during or after a data breach. Consumers like myself should not be forced to suffer reputational and financial harm because of institutional negligence or insecure data practices. If my information was exposed or corrupted in any way, and an account was erroneously attached to my credit file, that is a serious breach of responsibility on HSBCs part. HSBC must be able to provide full verification that this account was lawfully established in my name, became delinquent under legitimate and documented terms, and was charged off in accordance with the law and standard practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$7300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance : {$1600.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX4 XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX 2024

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 2025-05-06 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:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ).

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation