vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am filing a complaint regarding the Equifax data breach, during which my personal information was compromised, leading to fraudulent accounts being opened in my name. These fraudulent accounts remain on my credit profile despite informing the credit reporting agencies. This has negatively affected my credit and caused significant stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this oversight complaint because Experian has failed to follow federal identity-theft law under FCRA 605B, 611, and 623 ( a ) ( 6 ). 

On XX/XX/year>, I faxed Experian a complete 605B identity-theft packet, including : Police Report # XXXX My government identification My Social Security document Proof of address Full list of fraudulent accounts Written statement requesting an identity-theft block This packet was sent to Experians 605B identity-theft compliance fax number : XXXX. 
Fax delivery was confirmed and received by Experian on XX/XX/year> at XXXX PM EST ( see attached confirmation ). 

Under FCRA 605B, Experian is required to : 1. Block all fraudulent accounts within 4 business days of receiving my identity-theft documentation.

2. Not require any additional documents once a valid police report is submitted.

3. Notify the furnishers to stop reporting the fraudulent data. 

Experian has not completed the required block and continues to report identity-theft accounts, causing ongoing damage to my credit profile, score, and ability to obtain housing, auto financing, and credit. 

What I want as a resolution : I am requesting that the CFPB enforce FCRA 605B and require Experian to : Immediately block all identity-theft accounts I listed Remove every fraudulent tradeline permanently Cease reporting disputed information Correct my credit report Provide written confirmation of the completed 605B block Experian received my documents. They are now legally obligated to block not investigate the fraudulent accounts. 

I am requesting CFPB oversight and enforcement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this oversight complaint because Experian has failed to follow federal identity-theft law under FCRA 605B, 611, and 623 ( a ) ( 6 ). 

On XX/XX/year>, I faxed Experian a complete 605B identity-theft packet, including : Police Report # XXXX My government identification My Social Security document Proof of address Full list of fraudulent accounts Written statement requesting an identity-theft block This packet was sent to Experians 605B identity-theft compliance fax number : XXXX. 
Fax delivery was confirmed and received by Experian on XX/XX/year> at XXXX PM EST ( see attached confirmation ). 

Under FCRA 605B, Experian is required to : 1. Block all fraudulent accounts within 4 business days of receiving my identity-theft documentation.

2. Not require any additional documents once a valid police report is submitted.

3. Notify the furnishers to stop reporting the fraudulent data. 

Experian has not completed the required block and continues to report identity-theft accounts, causing ongoing damage to my credit profile, score, and ability to obtain housing, auto financing, and credit. 

What I want as a resolution : I am requesting that the CFPB enforce FCRA 605B and require Experian to : Immediately block all identity-theft accounts I listed Remove every fraudulent tradeline permanently Cease reporting disputed information Correct my credit report Provide written confirmation of the completed 605B block Experian received my documents. They are now legally obligated to block not investigate the fraudulent accounts. 

I am requesting CFPB oversight and enforcement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : 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 2025-11-24 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: TN

Complaint narrative:
I am filing a complaint regarding the Equifax data breach, during which my personal information was compromised, leading to fraudulent accounts being opened in my name. These fraudulent accounts remain on my credit profile despite informing the credit reporting agencies. This has negatively affected my credit and caused significant stress.

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 2025-11-24 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: NY

Complaint narrative:
I discovered two incorrect previous addresses listed on my credit report that do not belong to me. Additionally, there were numerous unauthorized hard inquiries and fraudulent accounts from various creditors, dated between XX/XX/XXXX, and XX/XX/XXXX, which I did not initiate or authorize. These included inquiries and accounts from entities such as XXXX XXXX  ( including for XXXXXXXX XXXX and XXXX ), XXXX  XXXX ( multiple instances, some with account numbers ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiple instances ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( with account number ), XXXX XXXX XXXX ( multiple instances with account numbers ). On XX/XX/XXXX, I sent a written dispute to the credit reporting agency, requesting immediate removal of these fraudulent items under relevant FCRA provisions, including requirements for accuracy, reasonable investigations, and deletion of disputed information. To date, the agency has not confirmed removal or provided any response, and the items appear to remain on the report, potentially violating consumer protection laws. No amounts were specified in the disputes, as these were inquiries and accounts without balance details provided.

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 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, My mother passed away in XX/XX/year>. There was no will in place. Therefore, I submitted all the proper documentation to become the successor of her property. I became the successor of her property by submitting an Affidavit of Heirship. I was declared successor of her property in XXXX of 2023 with Newrez mortgage company. I had no issues until Newrez transferred my mother 's loan to Shellpoint mortgage. ( They are sister mortgage companies with one another ) When the loan transfer happened, I was no longer the successor. 
I submitted the same documentation that was submitted to Newrez to Shellpoint. * I even sent a copy of a letter confirming that I was indeed the successor from Newrez. When I call Shellpoint Im always told they do not have this or that documentation. I have submitted multiple copies of everything through mail and online, and no can never seem to find my documents. When I ask to speak to a manger, I'm told a manager is not available. Last week I called Shellpoint to ask if I had been made successor yet. The representative on the phone said " YES ''. I called back a week later because I had questions and was told, '' YOU HAVE NOT BEEN DECLAIRED SUCCESSOR ''. I asked why and the representative said he did not know why. Again, I could NOT speak with a manager. I need help. I have been paying my mother 's taxes and mortgage for the past 2 years, and her account is current and up to date. 
Please help me!!!!!

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 2025-11-24 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-11-24 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:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX XXXX I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. THIS REGULATION MANDATES THAT CREDIT. HERE ARE THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : EQUIFAX : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am sending to formally dispute several items currently appearing on my credit report that I have found to be inaccurate, incomplete, and misleading. These inaccuracies have caused undue harm to my credit profile and do not reflect my true creditworthiness. I am requesting that the following items be permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
yesterday and today i havent been able to obtain correct and up to date financial information from any of the three major.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against XXXX  ( PayPal ) for improperly denying my fraud dispute and refusing to provide documentation I am legally entitled to receive. 

Between XX/XX/2025, I sent multiple payments through XXXX  to a verified XXXX  Business Account ( The XXXX, XXXX ). The business represented themselves as a legitimate online gaming/casino service offering instant cash-outs. I have extensive screenshots proving fraud, misrepresentation, and deception, including messages confirming my winnings, guarantees of payment, and admissions from the scammers that their XXXX  person is unavailable or in the hospital. 

The business never delivered the service I paid for and blocked me immediately after receiving the funds. This is a classic fraudulent transaction and should be covered under XXXX Purchase Protection program as a non-received service/product. 

XXXX  denied my dispute without reviewing the evidence I submitted and then closed my appeal. I emailed XXXX  requesting the dispute documentation used in their investigation ( as their email instructed ), but XXXX  refused to provide any documentation, stating only that the case is closed and they will not respond to further inquiries. This is a violation of my consumer rights. 

I am requesting that XXXX  : 1. Reopen and properly investigate my dispute 2. Provide the required documentation regarding their decision 3. Refund the fraudulent transactions 4. Explain why they allowed a fraudulent LLC to maintain a verified XXXX  Business Account I am willing to provide all screenshots, messages, and evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
PayPal has been withholding my funds totaling {$460.00} ( {$420.00} and {$33.00} ) for well over 180 days after permanently limiting my account in XX/XX/year>. Despite multiple confirmations from PayPal that the funds would be released after the 180-day hold, they have not released the money and are now giving conflicting or incorrect information.

Timeline and actions : XX/XX/year> : PayPal permanently limited my account due to unspecified " risk concerns. '' XX/XX/year> : PayPal removed {$33.00} from my balance as " PayPal loss recovery '' ( Transaction ID : XXXX ). 
XX/XX/year> : PayPal removed {$420.00} from my balance as " PayPal loss recovery '' ( Transaction ID : XXXX ). 
PayPal initially stated my funds would be released on XX/XX/year>. 
Later, multiple PayPal agents stated the funds would be released 180 days after the limitation and provided the specific release date of XX/XX/year>. 
As of XX/XX/year>, PayPal has not released my funds and refuses to provide a clear explanation. 
In the most recent message, PayPal claimed there was " no balance to withdraw, '' which contradicts both my screenshots and earlier PayPal messaging.

I repeatedly asked PayPal for : 1. The reason my funds are still being withheld after the promised release date. 
XXXX. The legal or contractual basis for holding the funds after 180 days. 
XXXX. Clarification regarding the balances of {$420.00} and {$33.00}. 
XXXX. Escalation to a supervisor. 

PayPal has not provided clear answers and continues to provide inconsistent information. This prolonged withholding of my own money has caused financial harm, emotional stress, and significant wasted time. 

I have attached the following files for verification : XXXX Screenshot showing the {$420.00} PayPal loss recovery transaction and details. 
XXXX Screenshot showing the {$33.00} PayPal loss recovery transaction and details. 
XXXX First portion of my message history with PayPal representatives confirming hold dates and responses. 
XXXX Second portion of my message history with PayPal representatives confirming hold dates and responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: MI

Complaint narrative:
I need to see original CONTRACTS SIGNED FROM ME DATE OPENED AND CLOSED, show me any dealing I have with your entity I have never done business with you or any this company is claiming. 

To Whom It May Concern : I am formally disputing the accuracy and validity of a collection account appearing on my XXXX  credit report. The details of the account are as follows : Collection Agency : L J Ross & Associates Account Number : Ending in XXXX Reported Balance : {$3600.00} Under the Fair Debt Collection Practices Act ( FDCPA 809 ), I requested full debt validation from L J Ross & Associates. They failed to provide : 1. Proof that I legally owe this debt 2. A contract or agreement with my signature 3. A complete chain of title showing ownership transfer 4. An itemized breakdown of the balance 5. Any documentation verifying accurate reporting Because the furnisher has not validated the debt, the information being reported is unverified, inaccurate, and incomplete, which violates : FCRA 607 ( b ) Duty of maximum accuracy FCRA 611 ( a ) Duty to reinvestigate disputed information FCRA 609 ( a ) Right to information being reported FCRA 602 ( a ) Protection from inaccurate or unverified data I am requesting that XXXX  : 1. Conduct a full reinvestigation 2. Request complete validation from the furnisher 3. Delete this account entirely if proper validation can not be provided If the information can not be verified, please remove the account within 5 days and send me an updated credit report showing the correction.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I need to see original CONTRACTS SIGNED FROM ME DATE OPENED AND CLOSED, show me any dealing I have with your entity I have never done business with you or any this company is claiming. 

To Whom It May Concern : I am formally disputing the accuracy and validity of a collection account appearing on my Experian credit report. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Reported Balance : {$3600.00} Under the Fair Debt Collection Practices Act ( FDCPA 809 ), I requested full debt validation from XXXX XXXX XXXX XXXX XXXX. They failed to provide : 1. Proof that I legally owe this debt 2. A contract or agreement with my signature 3. A complete chain of title showing ownership transfer 4. An itemized breakdown of the balance 5. Any documentation verifying accurate reporting Because the furnisher has not validated the debt, the information being reported is unverified, inaccurate, and incomplete, which violates : FCRA 607 ( b ) Duty of maximum accuracy FCRA 611 ( a ) Duty to reinvestigate disputed information FCRA 609 ( a ) Right to information being reported FCRA 602 ( a ) Protection from inaccurate or unverified data I am requesting that Experian : 1. Conduct a full reinvestigation 2. Request complete validation from the furnisher 3. Delete this account entirely if proper validation can not be provided If the information can not be verified, please remove the account within 5 days and send me an updated credit report showing the correction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 a account without my written instructions. 

The accounts below have violated my rights. 
# 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