vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I am bringing to your attention a concerning matter regarding my credit file that requires immediate investigation and resolution. I have observed the presence of a collection entry from your agency that has appeared without any prior notification or communication to me regarding this alleged debt. Furthermore, I hold serious doubts about the accuracy and legitimacy of the debt being claimed, as I have no record or recollection of owing this amount or having any business relationship that would justify this collection action. As per my rights under the Fair Debt Collection Practices Act, I am formally requesting that you provide complete validation of this debt, including all original documentation, proof of your authority to collect, and a detailed accounting of how the debt amount was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DE

Complaint narrative:
I have received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-16 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that my credit limit was being decreased based on information obtained in a report from Experian XXXX at Experian XXXX XXXX XXXX XXXX XXXX  XXXX. According to the letter this was based on my credit score changes. 

The changes in my report are erroneous and not accurate. I have requested from Experian and Experian XXXX ( Both of which I will be filing a complaint as a follow up to this complaint ) 1. My name is XXXX XXXX XXXX XXXXthe letter from XXXX has XXXX XXXX XXXX XXXX. I had multiple inquiries that were unauthorized and therefore not valid I feel this decrease was not based on accurate and verified information and my full credit line should be restored. Experian and Experian/XXXX  is not accurately refelecting data on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that my credit limit was being decreased based on information obtained in a report from Experian XXXX at Experian XXXX XXXX XXXX XXXX XXXX  XXXX. According to the letter this was based on my XXXX XXXX changes. 

The changes in my report are erroneous and not accurate. I have requested from Experian and Experian XXXX ( Both of which I will be filing a complaint as a follow up to this complaint ) 1. My name is XXXX XXXX XXXX XXXXthe letter from XXXX has XXXX XXXX XXXX XXXX. I had multiple inquiries that were unauthorized and therefore not valid I feel this decrease was not based on accurate and verified information and my full credit line should be restored. Experian and Experian/XXXX  is not accurately refelecting data on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
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 XXXX 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 GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Date : XX/XX/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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I was a XXXX  of Identity theft in XXXX I ask the company so me the proof that it was mine and they would never send me what I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
Company : PayPal Issue : Closed account Category : Money transfer, virtual currency, or money service Product : Payment App or Service ( e.g., PayPal, Venmo ) Description of the Problem : PayPal wrongfully closed my account and has restricted my access due to deposits made by a XXXX party, without my knowledge that those deposits were invalid or considered risky. These transactions were not initiated by me and I had no reason to believe they were unauthorized or fraudulent at the time. 

Once I became aware of the issue, I attempted to work with PayPal to clarify the situation and prove that I was not responsible for the XXXX partys actions. Despite submitting any required documentation and explaining the matter, PayPal proceeded to close my account and restrict access, treating me as if I had violated their policies intentionally. 

I have already submitted complaints to both the Ohio Attorney General and the Better Business Bureau, but neither entity was able to assist in getting the matter resolved. My attempts to escalate this with PayPal directly have been unsuccessful. 

This action by PayPal is unfair and has impacted my ability to conduct business or manage my finances through their platform, which I had used for XXXX years without issue until this XXXX-party interference. I am asking for the Consumer Financial Protection Bureaus assistance in : Reviewing this unfair account closure, Ensuring that PayPal provides a fair explanation and/or reinstates my account, and Helping facilitate the release of any legitimate funds that may still be frozen.

Desired Resolution : Reopen or reconsider the closure of my PayPal account after reviewing the true origin of the questionable transactions. 
Unfreeze any funds that were held in the account if they are rightfully mine. 
Prevent this kind of unfair penalization of innocent account holders in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
XXXX - XXXX XXXX XXXX has placed XXXX collection accounts on all three credit reports with a date opened of XX/XX/year>. I have not received any written communication from this agency to even verify the debts, and these accounts were NOT opened in 2025. I have, however, received voicemails threatening court action / wage garnishment. 

Item XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}, last updated XXXX Item XXXX : XXXX XXXX XXXX XXXX, {$690.00}, last updated XXXX Item XXXX : XXXX XXXX XXXX XXXX {$710.00}, last updated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains completely unresolved and continues to cause devastating consequences in my personal and financial life. The inclusion of these unauthorized items has profoundly impacted my ability to secure credit, housing, and employment opportunities, while causing significant stress, anxiety, and emotional distress that affects my daily well-being. It is absolutely crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and these fraudulent entries represent a serious breach of my consumer rights that demands immediate correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to formally express my concern regarding the infringement of my consumer rights due to the dissemination of inaccurate information. As a consumer, I have the right to fair and accurate treatment. I am requesting a clear explanation of your failure to meet accuracy and compliance obligations. 

I do not accept the continued reporting of any negative, unverifiable, or non-compliant data. What matters is the truth backed by verifiable, documented evidence. The lack of accuracy in my credit report is unacceptable, especially considering your legal obligation to follow the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

I challenge you to provide certified, complete, and verifiable documentation to support every account, inquiry, and data field listed. If you can not meet the standards outlined in the XXXX  XXXX XXXX XXXX XXXX ( XXXX ), you must DELETE the disputed data immediately to preserve data integrity. 

The following Personal Information is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Accounts are being challenged : XXXX XXXX XXXX  XXXX XXXX  XXXX The following Collections are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are being challenged : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unless you can provide documented proof that these inquiries and items were lawfully authorized and comply with all state and federal regulations, I demand they be permanently DELETED. 

My personal tracking number is included in the header of this document. Please respond promptly with physical documentation verifying your claims. If you are unable to validate these items, you are required to DELETE them to remain in compliance with consumer protection laws. 

Thank you for your immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to formally express my concern regarding the infringement of my consumer rights due to the dissemination of inaccurate information. As a consumer, I have the right to fair and accurate treatment. I am requesting a clear explanation of your failure to meet accuracy and compliance obligations. 

I do not accept the continued reporting of any negative, unverifiable, or non-compliant data. What matters is the truth backed by verifiable, documented evidence. The lack of accuracy in my credit report is unacceptable, especially considering your legal obligation to follow the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

I challenge you to provide certified, complete, and verifiable documentation to support every account, inquiry, and data field listed. If you can not meet the standards outlined in the XXXX  XXXX XXXX XXXX XXXX ( XXXX ), you must DELETE the disputed data immediately to preserve data integrity. 

The following Personal Information is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Accounts are being challenged : XXXX XXXX XXXX  XXXX XXXX  XXXX The following Collections are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are being challenged : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unless you can provide documented proof that these inquiries and items were lawfully authorized and comply with all state and federal regulations, I demand they be permanently DELETED. 

My personal tracking number is included in the header of this document. Please respond promptly with physical documentation verifying your claims. If you are unable to validate these items, you are required to DELETE them to remain in compliance with consumer protection laws. 

Thank you for your immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief