vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: WA

Complaint narrative:
XX/XX/year> {$380.00} sent to my venmo from my manager for most recent paycheck. Tried withdrawing money and account was suspended due to suspicious activity emailed company said they would resolve issue in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

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 2025-04-22 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 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 non-monetary relief
Consumer complaint received 2025-04-22 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX Place, XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX FTC Identity Theft Report Number : XXXX Date : XX/XX/XXXX To : XXXX, Experian, and XXXX  Subject : URGENT FCRA COMPLAINT DEMAND FOR DELETION OF FRAUDULENT ACCOUNTS & INQUIRIES I, XXXX XXXX, am filing this formal complaint against all three nationwide credit reporting agenciesXXXX  Experian, and XXXX continuing to report fraudulent accounts, collections, personal addresses, and credit inquiries that I have never authorized, opened, or consented to. 

I am a confirmed victim of identity theft, as documented in my official FTC Identity Theft Report ( # XXXX ), which has been attached and sent to each of you. 

The following accounts are fraudulent and must be permanently deleted from my credit file under 15 U.S. Code 1681c-2 Block of information resulting from identity theft : XXXX  XXXX XXXX | Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$1100.00} XXXX XXXX XXXX XXXX Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$310.00} Additionally, you are reporting unauthorized inquiries and personal address information tied to identity theft, including : Credit Inquiries : XXXX BANK XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX : XXXX Pumice, XXXX XXXX XXXX XXXX These entries were obtained and reported without my consent and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b No permissible purpose exists for these entries.

15 U.S.C. 1681e ( a ) You failed to maintain reasonable procedures to prevent the reporting of fraudulent data.

15 U.S.C. 1681i ( a ) You failed to perform a lawful reinvestigation upon my dispute. 
15 U.S.C. 1681c-2 ( a ) Upon receipt of my FTC Identity Theft Report, you are required to block and delete all information resulting from identity theft within XXXX business days. 

I demand that you : 1. Permanently DELETE and BLOCK all accounts, inquiries, and addresses listed in the FTC report.

2. Cease and desist from reporting or re-inserting these fraudulent items under 15 U.S.C. 1681a ( a ) ( 5 ).

3. Provide written confirmation of deletion and blocking within XXXX business days. 

Failure to comply with this request will result in legal action, including but not limited to filing complaints with the CFPB, FTC, Attorney General, and pursuing statutory and actual damages under 15 U.S.C. 1681n and 1681o for each violation. 

I am requesting immediate compliance with the FCRA and a full removal of all items listed in the attached FTC Identity Theft Report. 

Sincerely, XXXX XXXX FTC Report # XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
XXXX XXXX Address : XXXX XXXX XXXX Place, XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX FTC Identity Theft Report Number : XXXX Date : XX/XX/XXXX To : XXXX, Experian, and XXXX  Subject : URGENT FCRA COMPLAINT DEMAND FOR DELETION OF FRAUDULENT ACCOUNTS & INQUIRIES I, XXXX XXXX, am filing this formal complaint against all three nationwide credit reporting agenciesXXXX  Experian, and XXXX continuing to report fraudulent accounts, collections, personal addresses, and credit inquiries that I have never authorized, opened, or consented to. 

I am a confirmed victim of identity theft, as documented in my official FTC Identity Theft Report ( # XXXX ), which has been attached and sent to each of you. 

The following accounts are fraudulent and must be permanently deleted from my credit file under 15 U.S. Code 1681c-2 Block of information resulting from identity theft : XXXX  XXXX XXXX | Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$1100.00} XXXX XXXX XXXX XXXX Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$310.00} Additionally, you are reporting unauthorized inquiries and personal address information tied to identity theft, including : Credit Inquiries : XXXX BANK XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX : XXXX Pumice, XXXX XXXX XXXX XXXX These entries were obtained and reported without my consent and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b No permissible purpose exists for these entries.

15 U.S.C. 1681e ( a ) You failed to maintain reasonable procedures to prevent the reporting of fraudulent data.

15 U.S.C. 1681i ( a ) You failed to perform a lawful reinvestigation upon my dispute. 
15 U.S.C. 1681c-2 ( a ) Upon receipt of my FTC Identity Theft Report, you are required to block and delete all information resulting from identity theft within XXXX business days. 

I demand that you : 1. Permanently DELETE and BLOCK all accounts, inquiries, and addresses listed in the FTC report.

2. Cease and desist from reporting or re-inserting these fraudulent items under 15 U.S.C. 1681a ( a ) ( 5 ).

3. Provide written confirmation of deletion and blocking within XXXX business days. 

Failure to comply with this request will result in legal action, including but not limited to filing complaints with the CFPB, FTC, Attorney General, and pursuing statutory and actual damages under 15 U.S.C. 1681n and 1681o for each violation. 

I am requesting immediate compliance with the FCRA and a full removal of all items listed in the attached FTC Identity Theft Report. 

Sincerely, XXXX XXXX FTC Report # 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This was a XXXX loan Taken out in XX/XX/year> Unaware off a loan taking out in my name or the amount. I assume my information has been leaked I have no clue of staying In this so call location or even taking a loan out In my name. no letter was sent to me or my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Bank, NA. 
This inaccurate information is damaging my XXXX XXXX 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 2025-04-22 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: VA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I originally was given loans by XXXX XXXX which became Navient, and I was making payments for a while then I was struggling to make payments & asked to have them lowered by Navient and they just said to go on forbearance and kept putting me on forbearance it was long term. My loan is from over 20 years ago I am XXXX and haven't worked in many, many years. I am a XXXX XXXX and my husband, and I filed bankruptcy a year ago. 
Now XXXX XXXX  has purchased the loan from Navient, and they are going after me for repayment I know my loan was mismanaged and I was constantly put-on long-term forbearance. I am struggling and we pay high rent and do not own anything, and I feel I should not be responsible for this mismanaged loan from many years ago. 
What can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}

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 2025-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRUEBILL, INC
State: OH

Complaint narrative:
In XX/XX/year>, after using the XXXX XXXX XXXXXXXX for some time, I decided to give it a try to see if it could help lower our XXXX bill. A month later, I get an email from XXXX telling me to expect new equipment at my house. It arrived that day. XXXX days later, I received an email from XXXX claiming they had saved me {$600.00} on my XXXX bill ; I only pay $ XXXX a year. And, as per their negotiation fee, they charged me {$300.00}. 

XXXX days later, on XX/XX/XXXX, I sent XXXX a copy of XXXX of our bills and asked for an explanation. 

On XX/XX/XXXX, I received an email inquiring whether I still required assistance. I responded the same way, with an explanation and a bill. 

On XX/XX/XXXX, I received another canned email checking in with no explanation. I responded. 

On XX/XX/XXXX, they sent another canned response with no explanation. I responded on XX/XX/XXXX. 

On XX/XX/XXXX, I received another canned response, and I responded, telling them that if it wasn't all reversed and my money wasn't returned, I would be letting the XXXX  know. I have informed the BBB of your refusal to communicate with me. 

On XX/XX/XXXX, I received an email letting me know they were " going to go ahead and close this conversation for now. '' No other assistance or explanation has been offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-22 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: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
XXXX XXXX XXXX  Account Number : XXXX 2. 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