vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-04-29 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: TX

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the XXXX XXXX Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met. 

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2025-04-29 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I have no knowledge of this account that's reporting on my credit showing it was open XX/XX/year> and is currently reporting as oXXXX XXXX XXXX days late XXXX  this account is currently showing as a open collection accounts on my credit file I have no knowledge of this account. This account has been opened without my consent. 

Account name : XXXX XXXX  XXXX Account number : XXXX Opened date : XX/XX/year> 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 2025-04-29 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2025-04-29 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried everything that I could possibly do on my end of this never ending issue of not being able to login to my Equifax website. Including : Resetting Password and verifying all personal information Changing browsers on XXXX from XXXXXXXX XXXX XXXX and clearing all web data, cookies, history, etc Switched from XXXX to XXXX, XXXX XXXX laptop and again performed all steps done above. 
Absolutely nothing worked and their customer service spent over XXXX hours basically having me repeat the steps I already had done. Ultimately, I was told my issue was given a ticket and would be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have tried to dispute this with the consumer reporting agencies and they say that the information has been verified even though the information is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports i notice some accounts I am not familiar with i have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX report showing my information being exposed in a national databreach and a validation of debt Letter.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Request Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing in reference to your attempts to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am formally requesting that you cease all communication with me immediately regarding this matter.

According to the FDCPA, once a written request to cease communication is received, a debt collector may not contact the consumer again except to : Advise that further efforts are being terminated ; or Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked.

Unless you are taking one of the two actions noted above, you are legally prohibited from contacting me further in any form including phone calls, letters, emails, or text messages. 
Please treat this letter as my official notice to cease and desist from any further communication. 
Failure to comply with this request will be considered a violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I will also consider pursuing legal action as appropriate. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX reference number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : SELF / LEAD # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  AGNCY # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXFINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-04-29 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

Complaint narrative:
Dear Consumer Financial Protection Bureau ( XXXX  ), I am filing a complaint against PayPal XXXX Inc. for unfair and arbitrary handling of my personal PayPal account. 

After conducting a single legitimate transaction related to an international student organization event XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) organised by the XXXX XXXX XXXX for XXXX students, XXXX, my account was permanently limited by PayPal without any clear justification. When I contacted XXXX customer service for clarification, I received only vague references to general terms in the User Agreement, without any concrete explanation or evidence of wrongdoing. 

I successfully appealed the decision once, but shortly after, PayPal reimposed a permanent limitation without any new activity on the account. This rendered my account inaccessible and made it impossible to close it or manage the personal information stored within it. 

As a result, my sensitive personal datasuch as my email, phone number, and banking informationremains locked within a permanently restricted account, with no recourse to correct, delete, or remove it. 

I believe this violates fundamental consumer rights and fair use policies. I respectfully request that PayPal be required to : - Provide specific and evidence-based justification for the permanent limitation, - Lift the restriction so I may proceed with account closure, - Ensure my personal data is handled according to standard data privacy protocols after closure. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports i notice some accounts I am not familiar with i have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX report showing my information being exposed in a XXXX databreach and a validation of debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an outdated and inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a current address on my credit report, dated XX/XX/year>. This is not my current residence and is no longer associated with my personal or financial profile. Experian has been notified about this inaccuracy, yet the address remains on file. Under 15 USC 1681e ( b ), Experian is required to maintain accurate personal identifying information and ensure it reflects current and correct data. Continuing to list outdated information without consumer consent undermines data accuracy and privacy.

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 2025-04-29 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: Oliphant United, Inc.
State: ID

Complaint narrative:
The Oliphant company sent me an email on XX/XX/year> ( in response to my email complaints to them ) stating that my telephone number was removed from the account. Exactly XXXX minutes later, I received another call and voicemail message from Oliphant. I have complained once again to them via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, a third-party debt collection company that is operating illegally in the state of Virginia without XXXX proper license. XXXX is reporting a derogatory tradeline on my credit report and attempting to collect a debt for which they have provided zero legal validation or proof of ownership. 

I have never entered into any agreement or contract with XXXX XXXX, XXXX. Their claim to collect on a debt is unverified, unauthorized, and potentially fraudulent. Furthermore, they are reporting negative, damaging information to the credit bureaus based on a debt they have not proven they legally own or were assigned. 

Their actions are deceptive, misleading, and unlawful, and they are in violation of multiple federal and state statutes designed to protect consumers from precisely this kind of predatory conduct. 

Laws Being Violated by XXXX XXXX XXXX : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e, 1692g Misrepresentation of the legal status of a debt.

Failure to provide written validation of the debt upon request.

Engaging in collection activity without verifying the debt from the original creditor.

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Reporting inaccurate, unverifiable, or incomplete information to the credit bureaus.

Continuing to report the debt without proper investigation or validation, after being notified of a dispute.

Virginia State Law Virginia Code 6.2-2001 et seq. 

XXXX XXXX XXXX is not licensed to collect debts in the Commonwealth of Virginia. Any debt collection activity without a state-issued license is a violation of the Virgini

a Consumer Protection Act, and such conduct is unauthorized and unlawful. Deceptive and Unfair Business Practices Attempting to collect a debt without proof of legal right to do so constitutes deceptive business practices under both federal and Virginia state consumer protection statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NH

Complaint narrative:
Equifax is reporting a charge-off for XXXXXXXX XXXX ( Account Number : XXXX ) with a balance of {$14000.00}. I have previously disputed this item, yet Equifax has not provided a single piece of verifiable or original documentation from XXXXXXXX XXXX  to substantiate this negative listing. Under 15 USC 1681e ( b ) and 1681i, Equifax is required to ensure the data they report is both accurate and verified through a reasonable investigation process. Continuing to report this charge-off without fulfilling these obligations demonstrates carelessness and disregard for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NH

Complaint narrative:
TransUnion is incorrectly reporting a late payment for XXXX XXXXXXXX ( Account Number : XXXX ), despite the account showing a past due balance of {$0.00}. Reporting a delinquency on an account with no past due balance is both illogical and misleading. Under the Fair Credit Reporting Actspecifically 15 USC 1681e ( b ) and 15 USC 1681iTransUnion must maintain accurate information and reasonably investigate disputes. TransUnion has failed to provide any valid proof or documentation to justify this reporting, indicating either carelessness or the use of inaccurate third-party data. This misrepresentation has a direct, negative impact on my creditworthiness.

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 2025-04-29 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: NH

Complaint narrative:
TransUnion is reporting multiple unauthorized inquiries on my credit profile from the following entities : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XX/XX/year>, XX/XX/year> )XXXX XXXX XXXX  ( XX/XX/year> ), and XXXX XXXX XX/XX/year> ). I do not have any active or pending credit relationship with these companies, nor did I initiate or authorize any credit applications with them on those dates. Under 15 USC 1681b ( c ), credit inquiries must be permissible and initiated by the consumer. These inquiries were not, and their presence is causing harm to my credit rating without just cause.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
This is not my debt from XXXX XXXX. My identity got hacked

Company response to consumer: Closed with explanation