vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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 reporting multiple fraudulent credit inquiries that appear on my credit report. These inquiries were not made by me, and I did not authorize anyone to apply for credit in my name. I believe these inquiries are the result of identity theft. 

The following inquiries are fraudulent and not associated with any accounts I requested or attempted to open : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not authorize these applications, and I have no knowledge of the individuals or entities responsible. I am requesting that these inquiries be removed from my credit file as they are inaccurate and the result of identity theft.

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 2025-09-18 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: OH

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to ONLINE INFORMATION SERVICES. Attached to this complaint is my written validation request, which clearly lists the documents that ONLINE INFORMATION SERVICES must provide under the Fair Debt Collection Practices Act to ONLINE INFORMATION SERVICES to prove the debt is valid and legally collectible. This includes proof of ownership of the debt by purchase agreement, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. I am submitting this request through the CFPB to ensure that ONLINE INFORMATION SERVICES. receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Please see the attached letter from XXXX dated XX/XX/year>. XXXX stated that it will send me a debt validation letter, however ; as of today XX/XX/year> I have not received this letter. In accordance with 15 USC 1692g I am requesting the following to validate account {$950.00} account # XXXX : 1.Name and address of original creditor 2.Forward Flow Agreements 3. Breakdown of principal, interest, fees, payment history and any other fees 4.Chain of Assignments 5. Account level documentation 5. Signed contract or legal identifying information used to validate this debt If XXXX can not provide this information within 30 days, this account needs to be removed. I am requesting this information be provided via this portal or certified mail for proof of deliver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: LA

Complaint narrative:
I am requesting this company validate this alleged debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To the best of my knowledge this company does not have the legal authority to attempt collection of this alleged debt and must remove its collection entry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I inquired about a policy that I had read midland credit management possibly offered if you were currently making payments on debt they hold. The representative ignored this repeatedly and continuously asked how I was going to take care of the other accounts they hold that were " in pre-legal status. '' I found this tactic rude, dismissive and threatening as that is not what I had contacted them for. I said this to the representative and they denied being rude and threatening and continued to tell me about this unverified debt and that it was my debt even after I said I would have it verified. I felt like the representative was trying to trick me into accepting the unverified debt, as I continued to ask about the particular policy I had read about as I am desperately trying to fix my credit and follow through with paying back debt, especially in collections - I do not have a job yet make consistent payments on several collections accounts which occurred after I suffered lack of funds from no job and childrens medical emergencies etc etc. I am doing everything I can to help myself, my credit and pay down collections and was simply trying to find out a possible solution to get some of these collections held by mcm off my report while I pay on them. The representative had no intention of answering me but instead rudely told me about pending lawsuits on debt that I havent even been able to verify as my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
tChime has identified activity on my account that is not in compliance with its internal policies and the member agreement executed at enrollment, as a result my account have been closed and the never issued a check to me with my remaining balance for XXXX $ and this was on XX/XX/2022 and I contacted them and they told me that I was not able to login and transfer my funds out or use my card to withdraw my funds they locked me out my account and did not give me access to my funds and did nothing after that to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX and XXXX XXXX, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-18 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: MS

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX and XXXX XXXX, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Gave the landlord 60 day notice ; they told me it was too soon and to call back in 30 days. I called back and moved out. Later I get IQ data XXXX  on my credit report. I got no notice from them or anything. When I reached out to the landlord, they said it was because I didnt give them a 60 day notice. I called them. I have the phone records to prove it. I went back-and-forth with the manager and they refuse to work with me on this. I am complaining because IQ data XXXX  refused to verify the debt. I have no idea what this is for. I moved out in time and every month they illegally tack on XXXX to XXXX dollars to the amount that they report on my credit report currently I show a balance of {$2200.00} and it will continue to increase. This is illegal and I want to file a complaint :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear IC Systems : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit 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 2025-09-18 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a false charge-off reported by XXXX XXXX XXXXXXXX XXXX XXXX accounts ( ending in XXXX and XXXX ) that are still being reported negatively by Experian. On XX/XX/year>, XXXX  XXXX XXXX confirmed in writing that : The accounts are not considered forgiven or canceled No XXXX tax form was filed The debt is still owned by XXXXXXXX XXXX  XXXX These statements contradict the reporting of a charge-off and violate FCRA, FCCPA, and Metro 2 guidelines. Moreover, XXXX XXXX XXXX, the third-party collector, officially confirmed that it does not own, does not furnish, and has closed the accountrendering the debt unvalidated. 

Experian continues to report these tradelines without proper investigation or legal basis.

2. What did the company do wrong?

Maintains inaccurate tradeline based on false charge-off classification Failed to investigate despite overwhelming contradictory evidence Did not mark account as disputed Enabled abusive and deceptive conduct by XXXX XXXX XXXXXXXX XXXX XXXX  consumer protection laws ( XXXX XXXX and 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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Here is my situation. I have been a PayPal Customer for XXXX  years. On XX/XX/XXXX I was looking for parts for my broke down XXXX. My husband found a site that supposedly had the parts. He chatted with this person ( he can't remember the site ) the supposed rep gave him his phone number and said to call when he was ready to order. The next day we called the number. The rep said he can ship the parts and the total was {$40.00}. So I gave him my PayPal debit card number ( using my PayPal balance ) he said he had to send me a code to finalize the sale. He sent me a code and I repeated it. Then he sent another code and again a 3rd time. I started getting nervous and told him I have never been asked to give them a code before when ordering items online. He started yelling at me to give him the codes so he can complete the sale. I said no and to cancel my order. He was still yelling at me when I hung up. I instantly went to my PayPal account and saw they they charged my debit card {$120.00} under XXXX XXXX and {$130.00} under XXXXXXXX XXXX XXXX Within XXXX minutes I called PayPal and had them cancel my card. The company using a XXXX business name XXXX XXXX XXXX XXXX tried charging my card another {$150.00} but it was declined because I cancelled my card. I opened a claim instantly as unauthorized purchase. 5 days later PayPal denied my claim and sides with the seller. There is no seller they were scamming me. I never ordered anything for that amount or approved multiple high dollar charges. I never received any product and as I said before I told them to cancel the {$40.00} item. I called PayPal again and said this wasn't right that it wasn't authorized and if they looked at the business names they would see it was a scam and my money was stolen. They said they would reopen and escalate but I'm not confident they are doing that. I have called everyday since then. Filed a complaint with the FCC and told PayPal I would contact the consumer financial protection bureau and The Attorney General for my state. I want my money back. PAYPAL doesn't seem to be following through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to update my file, ive uploaded my documents like theyve asked me to multiple times with zero resolution. Ive called and spoken with the manager with nothing to show for. Ive also resubmitted over and over again, and they still refuse to correct my file. They have different variations of reflect my name that is completely wrong. And they refuse to update my name the correct legal way as shown my the social Security administration office. Ive provided them with my Social Security card, utility bills letters, asking them to change it my identification cards anything that theyve asked for, and they still have not changed my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX  has violated my rights and broke the law, vis a vie the Fair Credit Reporting Act and 15 USC 1681.

These violations have caused me a tremendous amount of stress and hardship, I would like your involvement to assist me in receiving remedy.

Company response to consumer: Closed with explanation