vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Opportunity Financial, LLC
State: AK

Complaint narrative:
After informing this company that I am not the person they are calling for, I do not have any knowledge of the person requested and I do not recognize their company, therefore have never engaged in any business with the company they continue calling asking for the same or sometimes different yet similar variations of a name of a person theyre trying to get in touch with. After informing them I have never done any business with their company they are insisting that I give them my name which I do not trust giving out to a person I am not familiar with, and since I wont give out my information they stated since you wont give us your name to verify this account, we will continue to call back until you do. They also have not left any voicemails when calls are missed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX  XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXX XXXX OppLoans XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
My identity was stolen and numerous accounts have been opened. I believe these frauds obtained my information from major data breaches such as EXPERIAN data breach and Equifax Mass Data breach. I am trying to get a new SSN but this has been a nightmare. I Sent Experian, Transunion, and Equifax a copy of my FTC ID Theft report and proof of ID.These fraudulent accounts were opened using my name, SSN, and DOB.This is obviously because the information was stolen, I have never been associated with these accounts. REMOVE THESE ACCOUNTS IMMEDIATELY. This is in direct violation of the FAIR CREDIT REPORTING ACT 605B, 611, 609, AND US CODE 1681B

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 2025-03-12 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: UT

Complaint narrative:
I received 2 deposits from the IRS for my tax returns on XX/XX/scrub> 2025 to my XXXX account. One for {$7300.00} and another for {$5800.00}. The next day XXXX  froze my account and has since told me that after reviewing my account it will be deactivated and they are holding my funds for 180 days. Total amount being held is {$13000.00} and no explanation as to why this is happening was given. Not only that, the email states that they will not correspond with me any further on the matter. I tried emailing again to find out when I can get my money but they again said they won't talk to me. I am a single mom and that is all the money I have. I am now unable to pay my rent, buy food for my kids and pay for transportation to my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

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 2025-03-12 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: FL

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



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
On XX/XX/2025 I sent a letter regarding inaccurate and unknown accounts on my credit report.

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 2025-03-12 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-12 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: CA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a National Data Breach. Reviewing my credit reports, I noticed some accounts that I'm unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided due to my information being exposed. I have submitted an FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX XXXX XXXX  report showing my information being exposed in a national data base, a 605b letter, and an Equifax Affidavit explaining why further action should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
It has come to my attention that my personal information has been exposed in a National Data Breach. Reviewing my credit reports, I noticed some accounts that I'm unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided due to my information being exposed. I have submitted an FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX XXXX XXXX  report showing my information being exposed in a national data base, a 605b letter, and an Equifax Affidavit explaining why further action should be taken.

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 2025-03-12 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the consumer financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 40 -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 1. XXXX XXXXXXXX, # XXXX, XX/XX/XXXX, {$400.00} 2. XXXX, # XXXX, XX/XX/XXXX, {$340.00} 3. XXXX # XXXX, XX/XX/XXXX, {$1900.00} 4. XXXX, # XXXX, XX/XX/XXXX, {$1600.00} 5. XXXX, # XXXX, XX/XX/XXXX, {$1200.00} 6. XXXX, # XXXX, XX/XX/XXXX, {$3000.00} 7. XXXX, # XXXX, XX/XX/XXXX, {$1700.00} 8. XXXX, XXXX XXXX, XX/XX/XXXX, {$720.00} 9. XXXX # XXXX, XX/XX/XXXX, {$1000.00} 10. XXXX  # XXXX, XX/XX/XXXX, {$1700.00} 11. XXXX, # XXXX, XX/XX/XXXX, {$1000.00} 12. XXXX XXXX, # XXXX, XX/XX/XXXX, {$330.00} 13. XXXX, # XXXX, XX/XX/XXXX, {$320.00} 14. XXXX XXXX, # XXXX, XX/XX/XXXX, {$2400.00} 15. XXXX XXXX, # XXXX, XX/XX/XXXX, {$440.00} 16. XXXX # XXXX, XX/XX/XXXX, {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone from " EXPERIAN '' called from the telephone number XXXX, to my business number ( not my personal number ) stating that I applied for a XXXX XXXX XXXX XXXX  ending in # XXXX and they wanted to verify before approving the application. I have reviewed my credit report, no such inquiry exists. I have not applied for credit. When I called the telephone number back, THE SAME INDIVIDUAL answered the call. When I stated that I am reporting the call as a fraudulent call, the individual stated that he will just approve the application, and then hung up on me.

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 2025-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Miller and Steeno, P.C.
State: MO

Complaint narrative:
I took out a loan for {$1500.00} during my senior year of college in XXXX. Due to economic difficulties, I was unable to repay it. In XXXX, the lender hired XXXX and XXXX to sue me for {$5700.00}. I made payments to XXXX  and XXXX  ; however, as of last summer ( XXXX ), I could no longer make payments because they went out of business. I reached out to the new firm assigned to collect the debt, but they claimed they didn't have any information about me. 

Recently, I looked myself up on casement.gov and discovered that a garnishment letter was sent to my employer on XX/XX/XXXX. I am newly licensed with XXXX as a broker and investment adviser, and this situation is jeopardizing my livelihood. Now they say that I owe $ XXXX! 

They have violated FDCPA by engaging in unfair and deceptive practices by not informing me that my debt changed owners or by properly serving me papers says that I have a wage garnishment since they went straight to my employer with this and I had no knowing of it. Essentially I have not been informed of me still owning a debt let alone that it would be coming out of my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-12 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-12 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt 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 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 2025-03-12 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: NJ

Complaint narrative:
On XX/XX/XXXX I submitted complaints XXXX and XXXX to CFPB, against TransUnion and XXXX XXXX XXXX respectively . The issue was improper use of my TransUnion credit report ( a hard inquiry ) dated XX/XX/XXXX. In its response ( dated XX/XX/XXXX ) TransUnion refused to remove the hard inquiry and referred me to XXXXXXXX XXXX XXXX instead. In its response ( dated XX/XX/XXXX ) XXXXXXXX XXXX XXXX acknowledge that there was fraud involved and stated that a request has been submitted to the consumer reporting agencies for the removal of the associated hard inquiry. XXXX XXXX XXXX also stated, Please allow up to 60 days for the update to be processed by the consumer reporting agencies and reflected on your credit bureau report. Today, XX/XX/XXXX, ( after 60 days had elapsed ), I pulled my TransUnion credit report from the annual credit report.com website. The hard inquiry was still on there.

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 2025-03-12 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: SC

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