vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX, I entered into a XXXX XXXX XXXX for a used vehicle with a dealership. The contract listed the mileage as XXXX. No disclosure was made at the time about prior damage or a branded title. I was not informed or shown proof of any title transfer, assignment, or securitization of the contract. 

Credit acceptance corporation began servicing the account but has not provided sufficient documentation proving it owns the debt. When I requested evidence of ownership or assignment, I was sent a copy of the installment contract, but no sale, trust assignment, or chain of custody documents were provided. They later claimed to be servicing the account on behalf of the dealer but did not disclose the full relationship or whether the account was securitized. 

My request for verification and documentation under federal consumer protection laws have not been honored. I believe this account may have been sold or securitized without my authorization, and Credit Acceptance has failed to prove it's legal standing to collect or report this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account ( ID : [ XXXX ] ) was permanently limited without valid justification. I operate a legitimate XXXX XXXX XXXX business, delivering products via email upon payment. Despite providing : - Proof of email deliveries ( attached ), - Customer confirmations, - A clear no-refund policy after digital delivery, PayPal restricted my account and is withholding {$350.00} of my earnings unlawfully. 

This has caused significant financial harm, as these funds are critical for my small business. PayPals automated system appears to have falsely flagged my account, as I violate no policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Please be advised that the accounts listed are fraudulent and were created without my knowledge or consent. I do not recognize these accounts and request that they be immediately deleted from my credit profile. Under 15 U.S.C. 1681g, I expect full resolution within 15 days. Attached is evidence to support this dispute.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This complaint is distinct from prior filings ( CFPB IDs XXXX, XXXX, XXXX, XXXX, XXXX ). Fifth Third Bank ( FTB ) willfully violates FCRA XXXX681s-2 ( b ) ( 1 ) ( E ) by misrepresenting secured credit card XXXX XXXXXXXX as closed on XX/XX/XXXX, in their XX/XX/XXXX, letter and prior responses ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ), while confirming it open internally ( chat with XXXX, XX/XX/XXXX, XXXX PM, via XXXX website ). XXXX, a XXXX-year XXXX veteran XXXX verified XXXX  XXXX was revoked, not closed, with statements issued through XX/XX/XXXX. 

Per the XXXX XXXX, an account is reported as closed only when no further activity ( e.g., payments, fees, statements ) is expected, and the furnisher ( FTB  ) must update the Date Closed field to reflect the actual closure ( XXXX XXXX Format, Section XXXX ). FTBs reporting of XXXX  XXXX as closed on XX/XX/XXXX, ( despite ongoing statements and fees through XX/XX/XXXX and verified with XXXX  chat ) violates these standards, evidencing willful non-compliance with FCRA 1681s-2 ( b ) ( 1 ) ( A ) ( inaccurate reporting ) and 1681s-2 ( b ) ( 1 ) ( E ) ( failure to correct ) FTBs false reporting to XXXX XXXX XXXX XXXX XXXX despite XXXX disputes and XXXX CRRG standards violations contributed to financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AR

Complaint narrative:
On XX/XX/year> I writ letter to XXXX XXXX XXXX XXXX explaining them to send me verification of a debt of XXXX, they claim they have under my social security number. I also spoke to a representative of the company which gave me the complete address & emailing address to send in a formal dispute to get information about this matter. However no response from them through XXXX mail or email. On XX/XX/year> I emailed the letter over to the company as directed by a representative as a form of dispute, I didnt get any information or response until XXXX, XXXX XXXX  an new collection showed up on my Experian credit report. This is a complete violation of the Fair Debt Collection XXXX XXXX. XXXX XXXX XXXX XXXX did not provide me with any verification of debt as requested with in the XXXX days of the email which I was given by the companies representing to do so! Instead they put it on my credit report dropping my score tremendously using unlawful practices. This account needs to be removed & deleted immediately from all credit reporting agencies. Also the account doesnt state I have disputed this matter which also is a violation of consumer protection law. XXXX XXXX XXXX XXXX did not investigate this matter. They only used improper & unlawful procedures to hinder my credit profile for their advantage.

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 2025-06-10 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: AR

Complaint narrative:
On XX/XX/year> I writ letter to XXXX XXXX XXXX XXXX explaining them to send me verification of a debt of XXXX, they claim they have under my social security number. I also spoke to a representative of the company which gave me the complete address & emailing address to send in a formal dispute to get information about this matter. However no response from them through XXXX mail or email. On XX/XX/year> I emailed the letter over to the company as directed by a representative as a form of dispute, I didnt get any information or response until XXXX, XXXX XXXX  an new collection showed up on my Experian credit report. This is a complete violation of the Fair Debt Collection XXXX XXXX. XXXX XXXX XXXX XXXX did not provide me with any verification of debt as requested with in the XXXX days of the email which I was given by the companies representing to do so! Instead they put it on my credit report dropping my score tremendously using unlawful practices. This account needs to be removed & deleted immediately from all credit reporting agencies. Also the account doesnt state I have disputed this matter which also is a violation of consumer protection law. XXXX XXXX XXXX XXXX did not investigate this matter. They only used improper & unlawful procedures to hinder my credit profile for their advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 am concerned about the accuracy of a late payment entry on my account. I have made every effort to meet my obligations on time, and this record does not align with my payment history. Please conduct an investigation and update the report to remove this error.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, a XXXX late payment was incorrectly reported on my Apple Card account ( issued by Goldman Sachs ) XXXX XXXX  now shows XXXX XXXX XXXX : {$0.00} for that month, yet the negative late mark remains a clear contradiction and violation of credit reporting standards. 
I have made every Apple Card payment on time since opening the account. Anyone reviewing my payment history would see a consistent record of on-time payments. However, Goldman Sachs has frequently delayed reporting my payments to the credit bureaus or misreports them as late, even when paid on time. These inconsistencies have caused multiple credit issues over time, despite my responsible payment behavior. 
Between XX/XX/XXXX and XX/XX/XXXX, I made over XXXX calls to Apple Card support, including XXXX XXXX and XXXX supervisors. They verbally acknowledged the XXXX late mark was a mistake and told me it would be removed. Yet no correction or written confirmation followed. 
I submitted a formal dispute with XXXX  in XX/XX/XXXX. Shortly after, the XXXX XXXX XXXX for XX/XX/XXXX was updated to {$0.00}, further validating that I was never truly XXXX  days delinquent. Still, the XXXX late mark remains. 
This false derogatory mark has caused : Emotional distress during a difficult personal period as a recent graduate mourning the loss of my father Rental denials while I searched for my first apartment Credit score drops directly tied to this error I have exhausted normal channels, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
In XXXX of this year, a collection account appeared on my otherwise clean credit report. Radius Global Solutions listed an account for {$370.00} past due with the original creditor being XXXX XXXX XXXX. I ( and my entire family of XXXX ) are XXXX XXXX XXXX customers and have been for over 20 years. My bill is paid each month and shows as current on my XXXX XXXX XXXX we account. XXXX XXXX XXXX disconnects past due accounts and we are not disconnected as we are current. To add to the fact that the is obviously not my account, Radius Global Solutions has not reached out to me via mail or phone about this. It just appeared on my XXXX  report. I disputed with XXXX  and they have failed to remove the account. I have reached out to ( in the slightly shady available channels ) Radius with no response. I have worked very hard over the last 15 years to create a good credit score and report and need assistance getting this verified as not my account and removed from my credit report. I have attached the first page of my current XXXX statement with account numbers obscured for privacy from this collection company. Hopefully this is clear from that attachment.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote check # XXXX on XX/XX/24 to XXXX XXXX for {$250.00}. I did not write out the amount on the XXXX line. Check was filled in by depositer for XXXX XXXX XXXX  and number was altered from {$250.00} to {$950.00} was altered and deposited for {$950.00}. {$950.00} was withdrawn from my account on XX/XX/24. 
XXXX is unreadable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Account is incorrectly reported with a XXXX  open date. This has been done repeatedly and Ive made multiple disputes on this account. This appears to be a repeated attempt to re-age the account, which violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 have reviewed my credit report and discovered multiple fraudulent accounts that I did not authorize or recognize. I am not responsible for these accounts. Under 15 U.S.C. 1681g, I am requesting their prompt removal within 15 days. Please see the attached documents verifying my identity and dispute.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Back in XXXX of XXXX  my car was impounded! I was also starting my XXXX XXXX  at that time! I was not able to afford the payment. I only owed about XXXX more payments left on this loan! The company started to call me but I was unable to make any payments! A couple of the employees became rude and stated that they would get lawyers involved to garnish wages etc! I told them if thats their only option I understand. They hung up in my face and that was that. Fast forward to a month later and they are calling me back again trying to request payment. I still have not returned back to work. They threaten lawyers once more.

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 2025-06-10 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: MO

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

ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} INQUIRIES : 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 non-monetary relief