vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-22 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:
This letter is to dispute a late payment incorrectly reported on my credit file. My records demonstrate a consistent record of timely payments. The false entry is unjust and harmful to my credit profile.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2025-08-22 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: TN

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information currently appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) 611, I request reinvestigation and removal or correction of the following items unless they can be verified with original creditor documentation. 
1. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Reason : Equifax reports this account as Authorized User, showing a 60-day late payment and an inconsistent balance history. Other bureaus do not report this negative status. Since I am only listed as an Authorized User, I should not be held liable, and the derogatory notation is inaccurate. I request this account be deleted from my file. 
2. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( inconsistent with {$830.00} reported elsewhere ) Reason : Equifax lists a {$0.00} balance and derogatory payment history, while TransUnion and Experian report active balances. These inconsistencies suggest reporting errors. 
Please provide validation or remove this entry. 
3. XXXX ( Auto Loan ) Account Number : XXXXXXXX XXXX XXXX Balance : {$26000.00} Reason : Multiple 30-day late payments are being reported, but my payment history does not reflect this. Reporting is inconsistent across the bureaus. I request full validation with original payment records or removal of these late marks. 
4. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( inconsistent with {$2200.00} on other bureaus ) Reason : Equifax shows a {$0.00} balance and 60-day late history, while other bureaus report an open balance. These discrepancies indicate inaccurate reporting. Please validate or delete this item. 
5. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} Reason : Equifax reports 90-day late payments that do not match my records and conflict with other bureaus. Unless verified with original documentation, these derogatories must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal and urgent dispute regarding a fraudulent account appearing on my credit report. I did not authorize, apply for, or open this account. Its reporting is entirely false and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally challenging the reporting of an unauthorized account under my credit history. This account is fraudulent, and I have never opened or authorized it. The reporting of this account is incorrect and is causing significant harm to my credit standing.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX Web account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX Account Name : XXXX Bank XXXX XXXX Account # : XXXX Account Name : Total Visa / XXXX. Account # : ...... XXXX Account XXXX : XXXX Receivables. Account # : XXXX 15 U.S.C. 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 

XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year> I had went to a XXXX XXXX cash machine to withdraw XXXX out of my XXXX XXXX card and all of a sudden it goes to withdraw the money and then turns around n XXXX it XXXX up but it never gave me my money and it shows it missing from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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

Complaint narrative:
I created a U.S. PayPal account for my U.S. XXXX while already having a XXXX  PayPal account. Shortly after opening the U.S. account, PayPal permanently limited it and informed me that my funds would be held for up to 120 days. 

The critical facts are : I never had access to use the account after its creation. There was no opportunity for me to perform any actions or transactions. 
The only transaction in the account was a {$1900.00} transfer from another PayPal account owned by me. No third-party payments or business transactions were involved. 
There are no disputes, chargebacks, or liabilities associated with the funds. 

Despite this, PayPal is withholding my money for 120 days without justification. These are my funds, derived from my own account, and I am requesting immediate release. 

I have contacted PayPal directly through their message center and asked for escalation to their Risk/Compliance team, but I have only received standard replies that the funds will be held. 

I respectfully request the CFPBs assistance in compelling PayPal to release my funds promptly, as there is no reasonable basis for holding them under these circumstances. 

Amount in dispute : {$1900.00} Company : PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am a victim of identity theft. A Nordstrom account was opened, used, and securitized without my knowledge or authorization. The IRS XXXX XXXX XXXX XXXX for XXXX shows a Form XXXX issued by Nordstrom, indicating cancellation of this unauthorized account. I never applied for or authorized this account, nor did I consent to its securitization or securitized sale as an asset. 

Despite prior disputes and identity theft notices, Nordstrom continues to furnish this account to Experian, Equifax, and TransUnion. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block identity theft information, and the furnisher obligations under 15 U.S.C. 1681s-2, which prohibit reporting information known to be inaccurate.

In addition, Nordstrom appears to be maintaining internal records of this fraudulent account to deny me future credit applications. Even though the account was cancelled, I am being penalized by a do not lend status tied to my SSN. This practice further harms my credit access and constitutes unfair treatment of an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am very upset that inaccurate accounts are still listed on my credit report today, despite my repeated efforts to have this corrected. I looked at my report as usual and was shocked to see these discrepancies again. Refreshing my browser confirmed that nothing has been removed. Because of this ongoing issue, I insist that the documents Ive already sent be properly reviewed so I can finally put this matter to rest.

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 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
In XXXX of XXXX  I finally received their contact information from my landlord and reached out to XXXX. I researched on the XXXX XXXX XXXX website and they are not licensed to collect in Texas. I never received an initial letter from the company identifying that they are now collecting a debt owed to my prior landlord. I requested information from my landlord for weeks and once finally received recently, I reached out to them via phone to set up a payment plan. I spoke to a supervisor named XXXX XXXX who was very hostile and unprofessional. I requested an email to send a debt validation letter. It has not been 30 days since my request which was XX/XX/year> and I received a noticed today that my account with them is now in collections. The company is called Qualia Collections Services aka Optio Solutions LLC. They are not licensed on the XXXX XXXX access website to collect debt in the state of XXXX. Also, when they received my debt validation letter, they did not cease any debt collection acts during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry on my credit report, and I can not understand why its there. I reviewed my report like I usually do, but this time, there were sudden discrepancies. I even tried refreshing my browser to make sure it wasnt just a glitch, but it stayed there. I am very frustrated with this issue, and I urgently ask that the documents Ive submitted be reviewed thoroughly so this problem is resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: First Credit Services Inc.
State: TN

Complaint narrative:
First Credit Services Subject : Failure to Conduct Reinvestigation and Respond to Dispute Dear First Credit Services, This letter is to notify you that I previously submitted a written dispute regarding the above-referenced account, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To date, you have failed to conduct a proper reinvestigation or provide any response or supporting documentation to validate this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information within 30 days and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until proper validation is provided.

As you have not complied with these legal obligations, I am requesting that this account be immediately removed from all consumer reporting agencies and that you confirm in writing that the matter is closed.

If you continue to report or pursue this debt without providing validation, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies for violations of federal law. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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