vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-13 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX  Account Number : XXXX Incorrect Address - 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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

XXXX XXXX * * * * * * * * * * * {$14000.00}

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LJ Ross Associates
State: FL

Complaint narrative:
Edit Description of complaint : [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX  ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Complaint and Request for Removal of Inaccurate Credit Reporting [ L J ROSS ASSOCIATES ] To Whom It May Concern, I am writing to file a formal complaint against [ L J ROSS ASSOCIATES ] , which has reported inaccurate information to the credit reporting agencies regarding an account associated with my name. The account in question is : Creditor Name : [ L J ROSS ASSOCIATES ] Account Number ( if known ) : [ XXXX ] Date Opened/ Reported : [ XXXX ] I believe this information is inaccurate/unverified/obsolete, and I have attempted to resolve this issue directly with the company without success. This negative account is having a damaging impact on my credit profile, and I am requesting that the BBB help mediate this complaint. I am requesting that the company : 1. Cease reporting this account to the credit bureaus, and 2. Remove any negative marks associated with it. Attached are copies of relevant documents supporting my claim, including [ letters sent to the creditor, proof of payment, credit report entries, etc. ]. Please let me know the next steps and if additional information is needed. I appreciate your assistance in resolving this matter fairly and promptly. Sincerely, [ XXXX XXXX ] Money paid to business : XXXX Desired settlement : Correction to a credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXXc-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
dear consumer financial protection bureau I'm reaching out to this agency directly because I'm having problem issue using my PayPal debit mastercard at ATM machine PayPal MasterCard card account holder are trying to withdraw funds from all point ATM access but everytime the PayPal debit MasterCard holder try to use his card at ATM machine PayPal debit master card issue bank name the XXXXXX/XX/XXXXXXXX PayPal debit MasterCard account holder has funds on his card but PayPal refuse to let him use his card online are in stores are transfer his funds to another bank PayPal customer keep transfer me to different department in there call transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately 1. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} 2. XXXX XXXX Opened XXXX {$570.00} 3. XXXX XXXX Opened XXXX {$4000.00} 4. XXXX XXXX XXXX Opened XXXX {$1500.00} These accounts are a result of identity theft and potential data compromise beyond my control These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit 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 2025-05-13 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: MD

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 2025-05-13 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: MD

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 explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00}

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 2025-05-13 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: Self Financial Inc.
State: IL

Complaint narrative:
CFPB Complaint Against Self Financial , Inc.

Complaint Summary : I am filing this complaint against Self Financial , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to Equifax. 

Self Financial is reporting a tradeline on my XXXX XXXX XXXX XXXX  credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me.

Violations Committed by Self Financial , Inc. : 1. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from XXXX XXXX XXXX XXXX ; 2. Failure to provide documentation or original source proof that I opened or owe the alleged account ; 3. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to XXXX XXXX XXXX XXXX and CFPB without proper validation ; 5. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
Harm Suffered : Due to this account being reported and verified by Self Financial : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting.

I Reserve All Legal Rights : If this matter is not resolved, I reserve the right to file suit under 15 U.S.C. 1681n and 1681o for willful and/or negligent noncompliance, and will seek statutory damages of {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai did not reach out to me for charges after the lease was terminated. This was for a lease on XX/XX/2016, and the vehicle was grounded in XXXX. We requested for all payments and debt to be paid during the grounding process, and we never received any information about the debt until it was reported on my credit report when leasing a new vehicle three years later. I did have the same phone number, and did not receive any calls. I believe that the lack of due diligence on Hyundai 's part was due to the fact that they had misspelled my name on the lease, which I had informed them of before signing the lease, as well as other problems that Hyundai had with consumer facing issues of credit reporting at the time.

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 2025-05-13 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:
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 explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/1993 XXXX XXXX XXXX Subject : Dispute of Fraudulent Auto Loan Account # XXXX Dear XXXX  XXXX XXXX, XXXX, Transunion, XXXX  I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account # XXXX, was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : 1. Close and remove the fraudulent auto loan account from your records 2. Cease all collection efforts related to this account 3. Notify the credit bureaus to delete the account from my credit file 4. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

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 2025-05-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> XXXX  XXXX auto Subject : Dispute of Fraudulent Auto Loan Account # XXXX Dear XXXXl XXXX XXXX, XXXX, XXXX, Equifax I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account # XXXX, was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : 1. Close and remove the fraudulent auto loan account from your records 2. Cease all collection efforts related to this account 3. Notify the credit bureaus to delete the account from my credit file 4. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AP

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 2025-05-13 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: AP

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 2025-05-13 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: SC

Complaint narrative:
I am writing to follow up on previous disputes regarding the accuracy and consistency of negative accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate, verifiable, and consistent across all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief