vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/year>, I noticed an unexpected increase on my credit report from XXXX XXXX. I did not authorize or request this change. I contacted ALLY FINANCIAL XXXX XXXXXX/XX/year> and was either given incorrect information, no resolution, or no response. This change has negatively impacted my credit score, and I am requesting its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-21 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: WA

Complaint narrative:
I applied for this loan to help pay my bills that I was behind on, and I was in a rush not reading exactly how much the APR percentage was. That was my mistake, although I feel as though this company might take advantage of individuals in need. I borrowed {$1000.00} and fully intend on paying back, but by the end of my payments I will have paid over {$6000.00}. This feels illegal and unfair given the state of Washington does have a cap of APR percentage rate. This is a company run by a tribe and I have deferred payment for this week planning to communicate with them soon. I feel the best thing I can do now is ask for guidance and file a complaint hoping I can help others who don't do their due diligence out of pure desperation in this economy. I appreciate any help regarding this and I look forward to hearing from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: VA

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

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 2025-02-21 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: VA

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
On XX/XX/year> I sold my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owed XXXX on the vehicle. XXXX purchased the vehicle from me for XXXX and I paid the rest of the loan XXXX. I immediately emailed XXXX XXXX with the documents and called the verify. They said the vehicle was not paid off. I gave them proof it was. Weeks later and they havent sent me any paperwork confirming that the vehicle is paid off and it is still appearing on my credit score. Ive called and they said my account is in recovery which I am unsure what that means. I need this resolved. They keep giving me the run around and dont respond to my emails. The customer service representatives are unhelpful. Additionally, the vehicle has even been sold by 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 2025-02-21 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} UNKNOWN # XXXX XX/XX/XXXX -- {$95.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I took out a credit building loan with self and also a prepaid credit card that had fraud on it. Ive contacted the merchants multiple times about the fraud on the credit card. I no longer wanted the loan anymore and told them that, it wasnt worth it anymore and h was told I can cancel at anytime with no penalty and get my money back that I put into the loan. Now this this is on my credit as bad debt and I want it removed from all three credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> i gave the dealership in XXXX XXXX XXXX a deposit of {$5000.00} to get the XXXX XXXX Will be incluse the balance of the car.

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 2025-02-21 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: CA

Complaint narrative:
I dont know how or why your company placed inquiries on my credit report, but I did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I paid the National Credit System to remove a collections debt placed on my credit report without authorization. I never received a letter signifying my payment nor any notification regarding a balance due ; however, the collections mark on my credit report has hindered my ability to sign a lease and move. I am now homeless as a result and unable to move anywhere else, although I paid on this debt. XXXX refuses to remove it from my credit report in a malicious attempt to manipulate me into giving them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
To who ever this my concern my name is XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act fcra ,15 u.s.x.s 1681i witch requires credit reporting agencies to conduct a reasonable reinvestigation of disputed. Items. Recent findings by consumer financial protection bureau cfpb have brought to light. Significant concerns regarding Experian the cfpb alleged that the company engaged in sham investigations violating consumer protection laws by failing to meet it obligations under the fcra as per 15 u.s.c.s 1681 a1a Experian is required to conduct a thorough abd reasonable reinvestigation of disputed items within 30 days furthermore under 15 u.s.c .s 1681 I a 5 any information found to be inaccurate incomplete or unverified must be properly deleted or corrected failure to adhere to these requirements constitutions a violation of federal law i hereby request that Experian conduct a thorough reinvestigation of the following dispute accounts or items

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 2025-02-21 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: OH

Complaint narrative:
To who ever this my concern my name is XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act fcra ,15 u.s.x.s 1681i witch requires credit reporting agencies to conduct a reasonable reinvestigation of disputed. Items. Recent findings by consumer financial protection bureau cfpb have brought to light. Significant concerns regarding Experian the cfpb alleged that the company engaged in sham investigations violating consumer protection laws by failing to meet it obligations under the fcra as per 15 u.s.c.s 1681 a1a Experian is required to conduct a thorough abd reasonable reinvestigation of disputed items within 30 days furthermore under 15 u.s.c .s 1681 I a 5 any information found to be inaccurate incomplete or unverified must be properly deleted or corrected failure to adhere to these requirements constitutions a violation of federal law i hereby request that Experian conduct a thorough reinvestigation of the following dispute accounts or items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: B9, Inc.
State: AR

Complaint narrative:
I had XXXX $ in my account which was locked by b9. On XX/XX/year> b9 internally transferred money by ach to an unknown bank account and claimed i did the transaction which was impossible. Ive lost XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo is in violation of the " Electronic Funds Act '' On XX/XX/year>, I cash advanced my son, XXXX XXXX {$1000.00} from my Paypal Credit account. to his personal Paypal account, in which he used to transfer the funds to his XXXX  account. XXXX  support team ( XXXX XXXX XXXX ) immediately flagged the transaction as fraudulent and closed his account with all funds inside. I sent verifying information to the Venmo support team and they still will not release the funds. 
XXXX  did release XXXX funds that he already had in his account before the cash advance, but will not release the funds I sent to him. They sent him an email stating they will investigate and release the funds after 180 days ( 6 months ). I have attached all emails associated with this ordeal since XX/XX/year>. Paypal credit has charged the funds back to my account ( please see attachment ). 

I just want my funds returned out of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605 B THAT YOU THE TRANSUNION CREDIT REPORTING AGENCY BLOCK INFORMATION THAT IS APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF ID THEFT. [ ASK THAT YOU BLOCK THE FRAUDULENT INFORMATION WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSISTS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE FRAUDULENT OPENED ACCOUNTS HAS RESULTED IN SEVERAL COLLECTIONS APPEARING ON MY FICO CONSUMER CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DPEDXXXX XXXX DPEDNXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXXXXX 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h
as violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-2 they are suppose to 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 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 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the eviction judgment entered against me in XXXX XXXX, Texas, under XXXX XXXX XXXX. The judgment was issued on XX/XX/XXXX, in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a default judgment for {$1600.00}. I believe this judgment was issued improperly due to lack of proper service and procedural deficiencies under Texas law. 

Background & Dispute Details The case was filed on XX/XX/XXXX, and the default judgment was entered on XX/XX/XXXX. 
I never received proper notice of the lawsuit or court hearing, violating my rights under Texas XXXX of XXXX XXXX XXXX XXXX. 
The claim amount was {$820.00}, but the final judgment amount was {$1600.00} with added fees and 5 % post-judgment interest, which I did not have the opportunity to contest. 
The court record includes an XXXX for XXXX XXXX ( XXXX XXXX ), but I was never personally served or made aware of any attempts to deliver court documents. 
This judgment is negatively impacting my credit report, rental history, and financial standing. 
Legal Basis for My Dispute XXXX. Violation of Texas XXXX of Process Laws ( Rule XXXX ) Under Texas Rules of Civil Procedure XXXX ( b ), a tenant must be served personally, by mail, or by posting at the premises only if personal service was unsuccessful. If alternative service was used under XXXX XXXX, the plaintiff must prove diligent attempts were made to serve me directly, which I contest. 

XXXX. Grounds for Motion to Set Aside Judgment ( Rule XXXX ) According to Texas Rule of Civil Procedure XXXX, a defendant can request the court to set aside a default judgment if : They were not properly served ( Rule XXXX & Rule XXXX ). 
The judgment was based on an error or misunderstanding ( XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX ) ). 
They have a meritorious defense and can show good cause for reopening the case. 
Since I was unaware of the case until reviewing my records, I meet the criteria for setting aside the judgment. 

XXXX. Potential for Expungement ( Texas XXXX XXXX XXXX ) If an eviction judgment is found to be improper or unfairly issued, it XXXX be eligible for expungement under Texas XXXX XXXX XXXX, particularly if : The case was later dismissed or settled. 
The tenant was not properly served. 
The landlord failed to follow proper court procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
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 2025-02-21 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: IA

Complaint narrative:
Here is the list of fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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