vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a XXXX visa gift card for my XXXX  a year ago. Tried to use it but I couldnt. I went to the website showing in the back of the card ( XXXX ) And put all the information but said cant go thru call the customer service ( XXXX ) I called them And they want my id and card pics and receipt fax to them. 
I went online and searched and found out that this happened to lots of people from XXXX  years ago. This is scam and they are stilling peoples money. 
This needs to be stopped

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 2025-04-03 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX 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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year> I went on XXXX. I saw my friend XXXX XXXX had a post that she couldn't go to the XXXX XXXX concert and that she had XXXX tickets available for {$400.00} a piece. So I sent her message that I would take the XXXX tickets. She sends me her paypal address and then I send her the {$1800.00}. Then I got no word from her again. No tickets. Then realized something was phishy and then called her and found out someone hacked her account, and that was not her that I was conversing with on XXXX. I took a screenshot of the conversation... I don't know why the scammers part of the conversation is deleted. Her account is now closed due to this. When this happened she notified XXXX right away telling them she got hacked. But for at least XXXX weeks, I noticed the scammer still had the post up about the tickets. And also noticed the scammer posting about selling some other things. I couldn't believe XXXX didn't take down her page and continued to let this scammer have control of her page. Anyways, back to the {$1800.00}. I paid via Paypal. And since XXXX is my friend, I clicked on pay friends on PayPal. So I sent this scammer {$1800.00} via friends. I contact Paypal immediately and they tell me since I sent the money via friends that it is not a protected purchase. They said the only thing I can do is call my bank and put a stop on any payments to PayPal. And then close my PayPal account and not to worry about it. So I did just that. So no payments were taken from my bank account. So all was good. Except a couple months later I get a letter from a collection agency stating that PayPal wants {$1800.00}. So this is where I am now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
Im seeing inaccurate information reporting on my credit report!! I do not have any knowledge of signing contract with companies

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 2025-04-03 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-03 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
What Happened? 
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
In XXXX, the buyers of my home didn't close on the house. I was going to pay off the debt with the sale of the house. I had to move back from across 5 states incurring hardship. I called my debt collectors and informed them that I had no job and was trying to recover from 3 months. The XXXX XXXX ( this debt ) was one that I contacted. I was paying this debt, but couldn't anymore at the time. I began to make phone calls to keep the creditors updated on my progress in XXXX, XXXX and XXXX. One debt collection agency ( XXXX XXXX ) advised that the account was moved to Protas, Spivok, and Collins LLC. I called the law firm consistently to find the File number so that I could log-in and start making any payments that I could. XXXX Collins NEVER answered the calls and I left several voicemails from my home number and cell phone number. My home phone was disconnected, but I have the cell phone attempts to call from LAST YEAR and this year ( attached ). Finally in XXXX, a lady answered the phone and connected me to his voice mail. I left another message stating that I needed the File number to begin making some payments. XXXX Collins NEVER responded to any of my calls. I checked my voicemail messages and nothing. I did not want it to come to a LAWSUIT when I am not working full-time right. I was in a car accident in XXXX and incurred another hardship. I was in physical therapy for months. I tried several times to contact XXXX Collins and was not ever given the opportunity for any resolution. Now I have to try to defend myself in a court of law. This is an outrage when he knows how many times that I have called him. The website that I was given for contact is https : //psclaw.stratuspayments.net/. The site does not include a personal number for XXXX Collins or an email address. This is an outrage when he could have simply certified mailed me this information. It is unfair treatment and negligent behavior by that law firm. He had the police knocking on my door numerous times to publicly shame me. My neighbors and people driving by could see the POLICE throwing the lawsuit document at my garage door ( I have the video of it ), all because of this man being a lazy and incompetent debt collection lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX Data breach. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of Fraud that I did not authorize : 1. 
XXXX XXXX XXXX Account Number : 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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been contacted by this company since XX/XX/year>. I sent out a debt verification letter because I have not seen this account on any of my XXXX or XXXX credit reports. I received new reports on XX/XX/year>. They have most recently contacted me again on XX/XX/year> at XXXXXXXX XXXX 
i still have not received any mailings back despite mailing a debt validation letter. When I call they will not proceed with any information unless I provide personal information such as social despite providing them with an ID number listed on their email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NV

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, I am requesting a proper investigation and immediate deletion of the following unverifiable and erroneous accounts : Late Payments ( Violation of FCRA 1681s-2 ( a ) ) XXXX XXXX XXXX # XXXX This account is reporting late payments, but I have not been provided with proper documentation validating this claim. Under FCRA, furnishers must ensure accuracy. 
Charge-Offs ( Violation of FCRA 1681b, 1681i ) XXXX XXXX XXXX XXXXXXXX This account is inaccurately listed as a charge-off. If the creditor can not verify with proper documentation, it must be deleted. 
XXXX XXXX XXXX # XXXX ( Multiple Instances ) ** This account is duplicated, causing an unfair negative impact on my credit. 
Collections ( Violation of FDCPA 807, FCRA 1681s-2 ( b ) XXXX XXXX XXXX XXXXXXXX This collection account does not contain full chain-of-title documentation, making it unverifiable. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Please provide signed agreements showing my obligation to pay this. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX Under FCRA 611 ( a ), unverifiable data must be deleted.

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX No validation of this debt was provided upon request. 
XXXX XXXX ( Multiple Original Creditors ) # XXXX, # XXXX, # XXXX Multiple entries for the same debt violate the FCRA and Metro 2 reporting guidelines. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX, # XXXX, # XXXX No documentation proving the legitimacy of these collections. 
Hard Inquiries ( FCRA 1681b Violation ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These inquiries were not authorized and must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX No permissible purpose was provided for this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no record of applying for credit with XXXX. 
Dispute Instructions : Conduct a detailed investigation under FCRA 611 ( a ) and provide verification.

If you can not validate the accuracy of these items, remove them immediately per FCRA 1681i.

Provide me with an update ed report reflecting these changes.

Failure to comply with federal credit reporting standards may result in further action. Please respond within 30 days as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: AZ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am requesting the following information from Exeter Finance in regards to my account that I have with them it is also included in the pdf attached REQUESTED DOCUMENTATION & ACCOUNT RECORDS : Please provide the following Date of first late payment Date account was opened The date the account first became delinquent.

The date the account was charged off Charged off amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-03 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: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: SC

Complaint narrative:
This Student Loan was discharged though bankruptcy and re-reported on my credit file.

Company response to consumer: Closed with explanation