vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
Dear XXXX I am writing to formally request the removal of all reported late payments associated with my account # [ Your Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe may be incomplete or inaccurate. I am requesting a reinvestigation into these late payment entries, as I believe they do not reflect the full context or circumstances and may not meet the standard of complete accuracy or fair reporting required by 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). If these late payments can not be fully verified as accurate and in compliance with reporting standards, I respectfully request their immediate deletion in accordance with FCRA guidelines.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2025-05-28 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: CA

Complaint narrative:
This letter serves as formal notice that I am initiating legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). A filed copy of the Complaint is enclosed and requires your immediate attention.

Despite repeated notices and requests for reinvestigation under 15 U.S.C. 1681i and California Civil Code 1785.16, your agency has failed to comply, continuing to report inaccurate and unverified information that has harmed my credit.

Therefore, I demand the following : Immediate removal of the above fraudulent accounts from my credit report ; A detailed explanation of your reinvestigation process, including supporting documentation used to verify the debt ; Cessation of reporting any unverifiable or inaccurate information going forward. 
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 2025-05-28 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
Subject : Demand for Method of Verification and Furnisher Information under FCRA 15 U.S.C. 1681i I am writing to follow up on a recent credit dispute I filed with your agency regarding the following account : Creditor Name : [ National Credit Systems ] Account Number : [ XXXX ] Your response indicated that the account in question was verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a clear description of the procedure used to determine the accuracy and completeness of the disputed information, including : 1. The method of verification used during your investigation.

2. The name, address, and telephone number of the furnisher of the information you contacted in the course of your investigation.

3. A copy of all documentation or records you relied upon to verify the accuracy of the account including Proof of ownership and Chain of Assignment. 

Under the FDCPA, you are required to cease all collection activity until the debt has been properly validated. If you can not produce the requested documentation, you must immediately stop reporting this item to all consumer reporting agencies and delete any existing entries. 

Please be advised that a response merely stating that the account was verified is insufficient under federal law. Failure to provide the requested information within a reasonable period of time is a violation of 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide all relevant results to the consumer. 

If you are unable to verify the disputed information with documented proof from the furnisher, you are required by law to delete the disputed item from my credit report. 

Please provide the requested information in writing within 15 days of receipt of this letter. If you do not, I will consider further remedies including filing complaints with the Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report these negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation.

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance.

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XXXX XXXXXX/XX/year> lawsuit against TransUnion for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
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 2025-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 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: GA

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
The account is not a charge off. It states settled for less.it is paid the remains was a 1099c. Please remove this account from my credit report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same.

... and according to 15 USC 1681i they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681e they are supposed to ensure this : b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen : ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Experian really did not reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Information appears on my credit reports that is inaccurate. The inaccurate information is the account XXXX XXXX XXXX. It appears that this company has reported conflicting information to the bureaus. The FCRA states that my credit report should be 100 % accurate in which it is not. The clear discrepancy are late payments that are not accurate. Transunion is reporting that I had 30 day late payments in XXXX, XXXX, and XXXX of XXXX, and another 30 day late payment in XXXX of XXXX and in XXXX of XXXX, while Equifax is reporting 60 day late payments in XXXX, XXXX, and XXXX of XXXX and in a 60 day late payment XX/XX/XXXX. Experian is reporting 30 day late payments in XXXX of XXXX and XXXX of XXXX as well as 30 day late payments in XXXX, XXXX, and XXXX of XXXX. This clearly shows an inaccuracy that must be corrected or removed per FCRA standards.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Information appears on my credit reports that is inaccurate. The inaccurate information is the account XXXX XXXX XXXX. It appears that this company has reported conflicting information to the bureaus. The FCRA states that my credit report should be 100 % accurate in which it is not. The clear discrepancy are late payments that are not accurate. Transunion is reporting that I had 30 day late payments in XXXX, XXXX, and XXXX of XXXX, and another 30 day late payment in XXXX of XXXX and in XXXX of XXXX, while Equifax is reporting 60 day late payments in XXXX, XXXX, and XXXX of XXXX and in a 60 day late payment XX/XX/XXXX. Experian is reporting 30 day late payments in XXXX of XXXX and XXXX of XXXX as well as 30 day late payments in XXXX, XXXX, and XXXX of XXXX. This clearly shows an inaccuracy that must be corrected or removed per FCRA standards.

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 2025-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report these negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation.

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance.

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XXXX XXXXXX/XX/year> lawsuit against Experian for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I had opened up a account with XXXX  which required for me to verify my identity before it could be opened. On XX/XX/XXXX I had accidentally purchased some XXXX  it wouldn't let me transfer to another wallet so I sold it back to XXXX My account was instantly Red Flag and suspended they said I needed to verify my identity when it was verified before the account could be opened. I sent them my photo id and they said they couldn't accept it because it expired on my birthday XX/XX/XXXX I battled with them and ended up getting full access back They said I wasn't going to be paid for the XXXX that I sold to them on XX/XX/XXXX until XX/XX/XXXX when they paid me they paid me with my funds on hold now my account is Frozen. Some specialist say it's frozen I need to verify my identity and some say it's permanently closed and they are holding my funds for XXXX  I don't think so there not scamming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Car was repossessed without being behind, had not even paid one month on loan

Company response to consumer: Closed with explanation