vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
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 non-monetary relief
Consumer complaint received 2025-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, hard inquiries from both XXXXXXXX XXXX  and Capital One appeared on my Experian credit report. I did not apply for credit cards with either company, nor did I authorize these inquiries. I discovered both inquiries on XX/XX/year>. 

I called XXXX, and they confirmed that an application had been submitted using my information. They acknowledged it was fraudulent and agreed to remove it. I then called Capital One, but they stated no account or application existed under my name and did not take any action to investigate or remove the inquiry. 

I contacted Experian, but they refused to remove the unauthorized inquiries. I did not apply for these accounts and believe I was a victim of identity theft. I am requesting immediate removal of these fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 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: NJ

Complaint narrative:
On XXXX XXXX, 2025, I discovered that several fraudulent accounts had been opened in my name without my knowledge or consent. These accounts were the result of identity theft, and I did not authorize or initiate any of them.

I promptly submitted dispute requests to the major credit bureausExperian, TransUnion, and Equifaxto report the identity theft and requested the removal of all unauthorized accounts. I also cited my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, which entitles consumers to have fraudulent information blocked from their credit reports.

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 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete this account as soon as possible off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
On XX/XX/year> i got credit reporting alerts that XXXX XXXX pulled a hard inquiry on my credit report. Upon contacting XXXX on XX/XX/year> I was able to have them reject the application and learned that a third party company had a loan application of {$2500.00} on my behalf without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
My truck was repossessed. They told my to pay XXXX dollars and they would let have it back. Then they had me call a number at the credit company. The person said I would have to agree to there terms. After I paid them. I could not comply with that. I asked for my money back and they said no. They can't keep my truck and my money. They should have given me there terms before I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XX/XX/XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX , a resident of XXXX XXXX XX/XX/XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of XXXX Current Address : XX/XX/XXXXXXXX, TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-05-05 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: MD

Complaint narrative:
I am filing this complaint against Capital Management Services , LP and XXXX XXXX, XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) and posing a risk of future violation of the Fair Credit Reporting Act ( FCRA ). 

Capital Management Services is attempting to collect on an alleged debt they claim originated with XXXX and is now owned by XXXX XXXX. I submitted a formal written request for debt validation. In response, they provided a Truth in Lending Disclosure, a loan summary, and additional documents none of which satisfy the legal requirements of debt validation under the FDCPA. 

Specifically, they failed to provide : A signed contract or agreement bearing my signature A bill of sale or assignment proving legal transfer of the debt from XXXX to XXXX A sworn affidavit from someone with firsthand knowledge of the debt A complete, itemized accounting showing how the current balance was calculated While this account has not yet been reported to the credit bureaus, I am filing this complaint proactively because I believe there is a clear risk that they may attempt to report unverified and disputed information to the consumer reporting agencies. If they do so, I will consider this a willful violation of the FCRA and will pursue legal action. 

Their continued collection efforts despite inadequate validation appear to be a deliberate pattern of noncompliance and deceptive tactics designed to mislead consumers who invoke their rights. 

Requested Relief : Prevent Capital Management and XXXX  from furnishing any information to credit bureaus unless and until full legal validation is provided Immediately halt all collection activity until proper documentation is submitted Investigate both companies for systemic FDCPA violations and possible future FCRA abuse Require deletion of any tradeline they may attempt to place Take enforcement action or impose penalties as warranted Note : If this matter is not resolved, I will file suit against the collector ( s ) under the FDCPA and FCRA for willful noncompliance

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 2025-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capitol one account they dont have anything known to me but the little information that they do have they trying to claim its my account i provided information and only information that they have is a partial name, this isn't my account capitol one said it was opened online and wasn't signed by me but they used other information to to link me to an account which is bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account was accessed without my authorization, and over {$17000.00} was stolen through dozens of suspicious transactions sent to unfamiliar recipients between XXXX and XX/XX/year>. I reported this to PayPal under Ref ID : XXXX, and they acknowledged the case. Despite the clear pattern of fraud, PayPal closed the case in favor of the recipients, without contacting me for details, speaking with the recipients, or providing any proof of an investigation. 

I requested documentation of their internal review, but they failed to provide any explanation or evidence. This decision was made without my input or transparency. 

This has caused a major financial crisis for me and my family. The stolen funds included our tax return, which we depended on for rent, bills, food, and school expenses for my children. Weve been under XXXX XXXX XXXX  and are now behind on essential living costs. Im urgently requesting the CFPB to intervene, demand a proper investigation from PayPal, and help recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately block the following fraudulent and unauthorized accounts from my consumer credit report within four business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and validity of these accounts and demand a full reinvestigation as required by federal law. 

The fraudulent accounts reported on my credit file include : An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00} An auto loan account with XXXX opened on XX/XX/XXXX, with a balance of {$500.00} An auto loan account XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$3500.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$7900.00} A student loan account with Dept of Education/XXXX opened on XX/XX/XXXX, with a balance of {$4600.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX , with a balance of {$10000.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX , with a balance of {$6700.00} Under FCRA Section 611, I demand that TransUnion provide complete details of its reinvestigation, including the method of verification used for each account and physical proof supporting the accuracy of the reported information. Without such evidence, these entries are presumptively fraudulent and constitute prima facie violations under 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
Statement Regarding Unresolved Credit Dispute Date : XX/XX/year> To Whom It May Concern, I am writing to formally state that I previously submitted full documentationincluding valid identification and a signed affidavitto dispute inaccurate information on my credit report. Although more than 30 days have passed since the receipt of my dispute, there has been no resolution or removal of the disputed items, with the exception of the update to my address and phone number. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and respond to disputes within 30 days. At this time, I am requesting immediate action to delete the inaccurate or unverifiable items from my credit file or to provide documented evidence supporting their continued reporting. 

Please consider this communication a formal follow-up to my initial dispute. I expect a prompt and compliant resolution to ensure my consumer rights are protected. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OneMain Finance Corporation
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

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 2025-05-05 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief