vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
On XX/XX/year>, a lawsuit was filed against me by a law firm representing a credit card company. I contacted the firm, The Moore Law Group, and negotiated a settlement in early XX/XX/year>. 

I paid the full agreed amount on XX/XX/year>. According to their representative, the funds cleared on XX/XX/year>. I was told multiple timesverbally and by emailthat they would dismiss the case once payment cleared. However, as of XX/XX/XXXX, the lawsuit remains open, and the firm has not filed the dismissal with the court. I have made repeated written and verbal requests for : - Confirmation of the dismissal, - A copy of the court-filed dismissal form,- And a copy of the proof of service ( none has been filed, and I was never lawfully served ). 

To date, Ive received no resolution. I have formally requested this documentation by XX/XX/year>. However, due to the firm 's repeated failure to follow through on prior assurancesand their lack of transparencyI am submitting this complaint now in good faith to protect my rights and create a record of the issue in case further delays or misconduct occur. 

This conduct appears to violate our settlement agreement and XXXX  XXXX XXXX XXXX XXXX, which requires service within 60 days and judgment within 180 days. The court has already issued an XXXX to XXXX Cause for failure to prosecute. 

My case also appears to be part of a broader pattern. The CFPBs public complaint database lists over XXXX complaints against The Moore Law Group, many involving improper lawsuits, failure to dismiss after payment, or legal threats. This suggests a systemic pattern of abuse and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-06-25 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is for truist bank fraud department. On XX/XX/year>, I requested a cash advance of {$250.00} from a company name XXXX never received the funds.I contacted XXXX to make them aware of the situation and they assured me that there was a support team that was working to fix the problem and I didnt have to worry about them drafting my account for the fund on XX/XX/year>. On XX/XX/year> XXXX made an unexpected unauthorized transaction and drafted my account for the {$250.00}. I tried to resolve the problem with XXXX but they have stopped responding to my inquiries. I then filed a dispute with the bank for the transaction on XX/XX/year> and on XX/XX/year> the bank ruled against the claim stating the transaction was iniated by me. However the fraud department didnt investigate the claim properly because they didnt ask me for evidence to prove my claim which I have. I have emails from XXXX stating that I wouldnt be charged for the advance. I end up speaking with a supervisor and begged them to reopen the claim however they reopened the claim on XX/XX/year> and I provided them with the email transcript. They told me that it would take 120 days for me to get the money back. But I believe that arent going to investigate because they didnt even provide me a curtesy credit. This is the first time I filed a claim with this bank. Also please. Its that the investigator can see the deposit never posted to my account as well.

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 2025-06-25 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: AL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

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 2025-06-25 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-25 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: IN

Complaint narrative:
I XXXX XXXX request Debt Validation Request under FDCPA, FCRA, and Regulation F To Whom It May Concern, I am writing in response to an account you are reporting on my credit report with Equifax and TransUnion in the amount of {$690.00}. Account " XXXX '' I dispute the validity and accuracy of this alleged debt being reported on my credit reports I ask Transunion and Equifax and hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Regulation XXXX to request full validation and proper documentation from creditor. Please provide the following : XXXX. Validation of Debt including the amount, original creditor, and detailed breakdown. XXXX. Copy of the Original Contract bearing my signature. XXXX. Proof of Chain of Custody/Ownership from the original creditor to XXXX XXXX XXXX XXXX XXXX. Proof of Transfer or Assignment of the debt, including dates and documentation. XXXX. Notice of Debt sent to me as required by 15 U.S. CXXXXe XXXXg. I never received proper notice from the original creditor that this account was sold, nor have I received a XXXX form, which calls into question the legitimacy and reporting of this account. Additionally, I do not recall authorizing this company to report this debt to the credit bureaus. Therefore, I also request their authority and permissible purpose for furnishing this account to Equifax and TransUnion under 15 U.S. CXXXXe XXXXb. Until these items are fully provided, please consider this account disputed and cease all collection activity, including being reported to the credit bureaus, in accordance with the law. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I discovered a repossession listed on my credit report that I was never informed about and have no knowledge of. I never financed or co-signed for a vehicle associated with this repossession. I believe this account was either added in error or may be the result of fraud. I have not received any communication or documentation from the company regarding this debt. The repossession is negatively impacting my credit, and I have disputed it with the credit bureaus. I am requesting that the company remove it from 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in ( XXXX ). That are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furnisher but the payments remain without proper validation or documentation under 15 USC XXXX XXXX furnisher must report accurate information under 15 USC XXXXi the credit bureau must perform a reasonable investigation within XXXX days. Neither of them have provided sufficient enough evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used my PayPal debit card to order what I thought were authentic luxury designer handbags - after receiving a purse and taking it in to have it repaired at the designer 's store I was alerted that the handbag was a counterfeit. I contacted PayPal to file a claim- the PayPal purchase protection program is supposed to protect against companies selling counterfeits. 

The company offered a refund if I were to return the bag for each of the claims that I filed- I responded asking the company to provide a return label and they refused and PayPal refused to assist. The issue is returning the handbags 1. would cause more than their worth to return because PayPal system would require a separate tracking number for each and 2. I was advised that, because they are counterfeit, the package may be held at customs. 

PayPal erroneously closed my claims and did not refund my money. Only a few of the purchases were made via PayPal with my checking account debit card- for those transactions, my bank investigated and returned my funds. It is important to note that the merchant 1. listed their product for sale as electronics, which is a lie, and 2. has excessively harassed me, asking me to drop my claim for fear that their PayPal account will be shut down. 

Even with the money recovered from my bank, I am still out nearly {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX a utility account from XXXX XXXX XXXX ( XXXX ) was sent to collections without proper notice. The debt was assigned to Online Information Services , Inc., and appeared on my credit reports. 

At no point prior to the negative credit reporting did XXXX or the collector notify me of the alleged balance or provide any bill, phone call, or emaildespite the fact that XXXX had my correct contact information on file. Ive since confirmed in recorded phone calls with XXXX representatives that they had my valid email address and phone number, yet never used them to alert me of the outstanding balance or pending collections. 

The first time I became aware of this alleged debt was when I noticed the collections tradeline on my credit report. This lack of notice deprived me of my right to dispute or resolve the issue prior to credit damage. 

I contacted both XXXX and the collections agency. Neither provided proof that they made reasonable efforts to contact me before furnishing derogatory information to the credit bureaus. I believe this may violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, especially as it appears the agency is reporting without proper verification or prior communication. 

I am requesting that the account be removed from my credit report immediately and that I be provided with documentation verifying the debt, proof of attempted contact, and a full accounting of how the debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Subject : Failure to Provide Verification Procedures and Continued Reporting of Inaccurate Personal and Account Information I, XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued reporting of inaccurate personal and account information on my credit file, and the failure of the credit reporting agency to comply with the requirements under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a dispute requesting corrections and a detailed explanation of the reinvestigation process, in accordance with 15 U.S.C. 1681i ( 7 ). I also requested the contact details of the furnishers involved and the documentation relied upon. As of this filing, I have not received adequate responses or the legally required verification details.

Violations of the FCRA : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accurac
y 15 U.S.C. 1681n and 1681o : Civil liability for willful or negligent noncompliance Disputed Items Still Unresolved : Incorrect Personal Information : Multiple incorrect name variations, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple incorrect addresses, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA ( and 10+ others listed in the original complaint ) Incorrect employers : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 2025-06-25 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:
I have tried con Contact Experian credit bureau and they never answer. I tried to dispute some information that it was due to identity thief and errors and they havent answer because they always have the automatic machine and they need to fix my credit errors because theres a lot of addresses, names, Social Security, and they never answered me.i need to dispute hard and soft inquiries from my credit bureaus that i haven submitted. thats what is making my credit in a bad punctuation, and not letting me get credit for companies or banks or my business. 
I have tried contacting them but not one single time have done it.

Every time I ask for credit line or business loans is due to Experian that I never get credit lines and my business is going down because I cant get business loans because all hard inquiries from identity theft from data breach from EQIFAX, XXXX, XXXX 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a previous complaint regarding experian marking accounts as late after filing bankruptcy. I was very specific on which accounts were not late but being paid in a payment plan to the companies i was already up to date on payments. Experian submitted on there own a dispute to the bankruptcy court stating that I was disputing the bankruptcies. Literally they are just doing what they want. Never once did I submit a dispute to the bankruptcy court disputing my bankruptcy. This company is incompetent and have no idea what they are doing. I have included below photos so you can see exactly the incompetency level of the people in charge of our credit reports im also sending this to the white house and attorney generals office because this is absolutely madness.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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