vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information under FCRA 15 U.S.C.

1681i, 1681e ( b ), 1681s-2 Dear [ Credit Bureau Name ] , This letter is a formal notice to dispute multiple derogatory entries on my credit report that are inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-31 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information under FCRA 15 U.S.C.

1681i, 1681e ( b ), 1681s-2 Dear [ Credit Bureau Name ] , This letter is a formal notice to dispute multiple derogatory entries on my credit report that are inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-31 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is fraud and its capital one I never put this card in my name and they keep putting stuff on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
I received a debt collection notice from XXXX regarding an alleged debt related to XXXX. I disputed the debt on XX/XX/year>, due to XXXX failure to complete my treatment, and I requested validation of the debt. Despite my formal dispute, XXXX failed to provide the necessary documentation to validate the debt. 

I requested the following from XXXX : A breakdown of charges ( including principal, interest, and fees ). 

Proof of the debt transfer from XXXX to XXXX, especially considering XXXX 's bankruptcy. 

Proof that XXXX has the legal authority to collect this debt. 

As of today, XXXX has not provided this information, and their collection efforts have continued without proper validation. I believe this constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act, which require debt collectors to provide proper validation and cease collection efforts until validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Phone call to XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXXXXXX XXXX for 23 minutes. Heavily accented XXXX speaking female name sounds like " XXXX '' XXXX requested my entire Social Security Number. She was provided with MY full SSN #. After a few minutes, she stated there are no records for my SSN or name. I have had my SSN # since the XXXX 's employed during my teenage years in various employment. Most recently ; my XXXX Taxes were filed electronically on XX/XX/XXXX by XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Certified Public Accountant. ADDRESS : XXXX XXXX XXXX XXXX. XXXX, CO XXXX. 
My taxes has been filed annually for decades. 

I EXIST. When did I CEASE to 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 2025-03-31 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: IN

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 2025-03-31 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : - XXXX, XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXXXX/XX/XXXX. 
- XXXX XXXX XXXX  ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 
- XXXX XXXX  ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Urgent Appeal Unjust Permanent Limitation of My Account Dear PayPal Support Team, I am writing to express my extreme frustration and disappointment regarding the unjust and baseless permanent limitation placed on my account. I have done absolutely nothing wrong, nor have I violated any of your policies. The lack of transparency in this decision is completely unacceptable. 

I have been a legitimate user of PayPal, conducting lawful and compliant transactions, yet my account has been restricted without any valid explanation. I have submitted all requested documents and have fully complied with every verification requirement. Despite this, my account has been permanently limited, with no justification provided. 

This decision appears to be arbitrary, biased, or even discriminatory. I demand an immediate and thorough review of my case. If there is any documentation or clarification required, I am more than willing to provide it. However, restricting my account without any reason or evidence of wrongdoing is unacceptable and raises serious concerns about fairness and due process. 

I expect a prompt response and a resolution to this matter. Reinstate my account immediately or provide a detailed, legitimate explanation for this unjust action. If this issue is not resolved, I will have no choice but to escalate the matter further. 

I demand urgent attention to this appeal. This situation must be rectified immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
My ex husband XXXX opened accounts without my consent. I have filed a fraud affidavit and a police report so the accounts could be blocked in accordance with 605b in the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
My ex husband XXXX opened accounts without my consent. I have filed a fraud affidavit and a police report so the accounts could be blocked in accordance with 605b in the FCRA

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 2025-03-31 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 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 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 2025-03-31 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: IL

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue.

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 2025-03-31 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-31 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-31 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:
Please check the information concerning the transunion data breach below in attachment 's

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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:
" 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
In XX/XX/year>, I received a stipulation agreement from Overton, Russell, Doerr & Donovan ( ORDD ) regarding a medical debt. The letter asked for a signed return by XX/XX/XXXX. I inadvertently failed to return the paperwork but made two on-time payments under the terms outlined, believing I was honoring the agreement in good faith. 

Despite my payments, ORDD filed for a default judgment on XX/XX/year>, without any prior notice or warning. The stipulation agreement did not state that failure to sign and return the document would result in judgment, and I received no follow-up communication. After receiving the judgment, my legal representative contacted ORDD to request dismissal based on my payment history and asked for clarification. They declined and instead offered a lump sum settlement of {$2100.00} which, combined with the {$500.00} I already paid, is more than the original balance of {$2500.00}.

ORDD claimed the agreement was void because it wasnt signed but this was never disclosed in the documents I received. I believe this conduct was deceptive and unfair, especially given my ongoing efforts to pay. I am asking for the CFPB to investigate this matter and help ensure that my rights under the FDCPA are protected.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
My credit has been wrongly reporting for almost 10 years. 
It's showing my balance is XXXX for my student loans. 
With Mohela and XXXX of those are pell grants. 
So i feel the whole account should be removed from my credit reporting. 
Othewise I will have to go after mohela for damages caused by hurting my credit.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-31 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: PA

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this has never happened before. Thinking it might be a glitch, I refreshed my browser multiple times, but the unauthorized inquiry remained. I need this issue resolved immediately, and I demand a thorough review of the documents I submitted so I can stop worrying about this.

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 2025-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX : XX/XX/year> Issue : I filed a dispute regarding inaccurate items on my credit report. However, no findings or conclusions were provided, and I did not receive a response from either the credit bureau or the company reporting the inaccurate information. 

Actions Taken : I submitted the dispute on XX/XX/year>, expecting an investigation and response as required under the Fair Credit Reporting Act ( FCRA ). However, no resolution or update has been communicated to me. 

Requested Resolution : I am requesting a proper investigation into my dispute and a timely response detailing the findings and any corrective actions taken. If the disputed information can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation