vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am reporting a long-term romance scam involving funds sent via XXXX ( XXXX PayPal service XXXX. Over the course of several years, I sent multiple payments to a man in XXXX, XXXX, whom I met on XXXX XXXX. He presented himself as single and in a committed relationship with me. I later discovered he was married the entire time and was knowingly deceiving me. The money I sent was only given under the false belief that we were building a life together. 

I have since learned that this individual has done the same to other women, and that his XXXX account has also been used by others in his social circle to receive funds from women under similar false pretenses. This appears to be part of a broader, coordinated scheme to manipulate and exploit women financially. 

I have already filed a report with XXXX ( XXXX # XXXX ) and with the Federal Trade Commission. I am seeking assistance in ensuring XXXX investigates this matter and takes appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Request for Debt Validation Pursuant to 15 USC 1692g XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$1600.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your offices provide me with m competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, Equifax, or Transunion ) this action may constitute fraud under both federal and state laws. Due to this fact, negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per se )

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 2025-06-18 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: CA

Complaint narrative:
Request for Debt Validation Pursuant to 15 USC 1692g XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$1600.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your offices provide me with m competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, Equifax, or Transunion ) this action may constitute fraud under both federal and state laws. Due to this fact, negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per se )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. False Claim of Ownership by XXXX XXXX XXXX : XXXX XXXX XXXX has falsely claimed ownership of this alleged debt. I have contacted every entity they alleged the debt was purchased from or assigned by, and each company confirmed they do not own this account nor have they sold it to XXXX XXXX XXXX. 

This leads me to believe that XXXX XXXX XXXX has fabricated its authority to report or collect on this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
2. Refusal to Provide Debt Validation : I formally requested validation of this alleged debt, as required by 15 U.S. Code 1692g ( b ), but XXXX XXXX XXXX has refused to comply. To this date, they have not provided : Proof of original creditor A breakdown of the debt Chain of ownership or assignment Proof that I owe the alleged amount 3. TransUnions Violation of Accurate Reporting Standards : TransUnion continues to report this account despite being notified of these discrepancies. This violates 15 U.S. Code 1681e ( b ) which mandates that all consumer reporting agencies ensure maximum possible accuracy of the information they 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 non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc.
State: AR

Complaint narrative:
I paid off a bill through a collection agency for bestway rent to own. Once that was paid I was told I was free and clear with them. Next thing I know a sister company of the collection agency is coming after me for more money from bestway for more accounts. I asked the collector to set up a payment plan for XXXX every XXXX weeks he denied it and said my ex spouse was not liable even though his info is on all of the rentals as well. They have called and harassed me. And during the conversation with the company the representative said from very rude comments about my sister whom was trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXXXXXX 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 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 2025-06-18 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:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXXXXXX 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 2025-06-18 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: MO

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 ) ( 4 ) -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 CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX - XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following hard inquiries : 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 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 2025-06-18 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: NY

Complaint narrative:
I have been looking into my credit recently for the first time and I see some things listed that I have never applied for or done. I have nothing to do with the following items I found on my credit reports... 

Addresses that do not belong to me are : XXXX XXXX XXXXXXXX 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  Also Inquiries I did not do are from the following Creditor Companies... 
XXXX XXXX XXXX XXXX/dofed on XX/XX/XXXX, XXXX XXXX on XX/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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened an account with us bank just a few weeks ago, and this has been hands-down the most frustrating and XXXX  banking experience Ive ever had and Ive barely been a customer for a month.

1. They lost my card in transit. Annoying, but I let it slide things happen.

2. I finally received my card on Friday, XX/XX/year>, used it 3-5 times for normal purchases, and then you locked my card without warning. Fine, fraud protection I get it.

3. But where youve completely failed is the support that followed : I tried calling immediately Friday night no answer.

I called 1011 times Saturday, no exaggeration, and after 30 minutes of pure desperation, I was rushed through a call with someone who barely listened, took my info, and said someone will call you in 2448 hours then hung up on me. 
I waited through the weekend, called again on Monday XX/XX/year>, spoke with someone at my local branch, and they said Id finally speak to a real fraud specialist. After another long hold, the rep confirmed my purchases, told me the card would be unlocked in two minutes, and I was relieved until I wasnt.

40 minutes later, still locked. I call back. The XXXX  says my card is locked. I try to reach a human no success. Branch transfers me back to fraud. I wait again. 
Then XXXX does the exact same thing as the first person confirms my identity, says 2448 hours and hangs up mid-call like its a script. Its now been well over 48 hours since Saturday, and almost 48 hours since Monday, and guess what? Still no call, still no card, and Im still locked out of my money.

To make matters worse, I work far from home and cant just pop into a branch. I called ahead a rep from your XXXX location promised me a temporary card could be printed. I had my girlfriend leave work early to go get it for me, and then they tell her I need to be a customer for 6 MONTHS before Im eligible. Are you serious?

This situation has caused nothing but delays, XXXX, financial risk, and absolute XXXX, all due to your inept systems and disorganized support. I have bills overdue because of your nonsense. I cant even close my account without taking time off work and even if I could sue for emotional XXXX, I would.

This is unacceptable, and I will never, ever trust U.S. Bank again. Ive dealt with several banks before never once has a fraud lock turned into a multi-day circus with no communication or resolution. Youve lost me as a customer before I even had a chance to be one.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
The debt collector is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), such as failing to provide a debt validation letter and continuing collection efforts after you've disputed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Re : Request for Debt Validation Account # XXXX To Whom It May Concern : I am writing in response to a report on my credit report that I received on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with explanation