vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I am filing this complaint against Ally Financial due to a wrongful vehicle repossession, false credit reporting, denial of lawful payments, and refusal to provide documentation supporting their authority to repossess or enforce any rights under my lease agreement. 

The vehicle in question is a XXXX XXXX XXXX XXXX XXXX, leased through XXXX XXXX XXXX XXXX XXXX. The lease contract clearly identifies XXXX XXXX as the assignee. Ally Financial is not named anywhere in the lease as the lessor, lender, or legal assignee. Despite this, Ally illegally repossessed the vehicle on or about XX/XX/XXXX, and has ignored all formal requests for documentation or lawful authority to act. 

The Utah XXXX has confirmed in writing that Ally Financials XXXX was recorded based solely on documentation submitted by XXXX XXXX XXXX XXXX XXXX. The XXXX stated they only processed what was filed by the dealer and did not independently verify the lienholders standing. I have submitted a formal request to XXXX XXXX for explanation and correction, and I am currently awaiting their response. 

Prior to the repossession, I submitted monthly coupon-style payments in good faith, which Ally denied, despite my account never being XXXX Ally then XXXX XXXX the account, continued to report negatively to credit agencies, and has never issued a XXXX, as is required under IRS regulations after a charge-off. 

A forensic audit and research of SEC filings confirmed the lease contract has been securitized under XXXX CUSIPs ( XXXX and XXXX ) proving Ally no longer holds a valid beneficial interest. They are neither the legal lienholder nor the party with enforcement rights. 

I have done everything required of me under the lease with XXXX XXXX. I fulfilled my obligations, and I want nothing further to do with Ally Financial or XXXX XXXX. I am not asking for account reconciliation. I am demanding : Immediate correction of the XXXX XXXX record, removing Ally Financial ; That XXXX XXXXXXXX XXXX XXXX XXXX take full responsibility for filing false lienholder information ; That clear and legal title be transferred to me immediately, with no further obligation or interference from Ally Financial or any party not listed in the original lease agreement ; That all credit reporting by Ally be removed, as they had no legal standing to collect, repossess, or report. 
Ally has never responded to my certified notices, has refused to return the vehicle, and continues to pursue enforcement without any proof of authority. Their silence is a tacit admission, and their actions constitute wrongful repossession, double recovery, deceptive trade practices, and unauthorized reporting. 

I respectfully ask that CFPB assist in putting a stop to these unlawful practices and ensure I receive full and rightful title to my vehiclefree and clear of any further contact or obligation with either Ally or XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
Hello Sir, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : Please remove unauthorized/fraudulent inquiries and accounts. 

Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX This are not corrected, It could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. In addition, I noticed Fraudulent credit inquires that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the above listed companies.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-05-21 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:
Hello Sir, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : Please remove unauthorized/fraudulent inquiries and accounts. 

Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX This are not corrected, It could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. In addition, I noticed Fraudulent credit inquires that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the above listed companies.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of a data breach that exposed my personal information to unauthorized parties. As a result, I believe that fraudulent activity may have occurred using my identity without my knowledge or consent. I am currently taking steps to protect my credit and request that any suspicious or unfamiliar accounts be thoroughly investigated and removed if found to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
b'I average between XXXX XXXX XXXX XXXX  a day from them requesting me to pay. I asked then to stop calling and harrassing me they didnt. And i have blocked over XXXX XXXX of theira but the keep calling from new numbers. \n\nThe debt collector iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX XXXX  AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




U.S. Bankruptcy Court # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/2024 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 any 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 seven 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 of 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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a notice from XXXX  on XX/XX/year> stating that my credit score had dropped. When I checked my credit report a random collection was on my report by a company named Jefferson Capital Systems which is a DEBT BUYER company which brought this unknown debt from XXXX XXXX. I reported this as a dispute on XX/XX/year> through XXXX  and XXXX day later XX/XX/year> I received a dispute completed notice from XXXX  with this fraudulent account still existing on my credit report. A proper investigation has not been performed by neither XXXX not Jefferson Capital System. A validation letter of debt has been requested by Jefferson Capital System but has not yet been received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denali Capital Holdings, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ Todays Date ] Denali Capital , LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Dispute, Flow of Assignment Request, and Cease and Desist Original Creditor : XXXX XXXX XXXX XXXX XXXXi, XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal notice of dispute regarding the above-referenced account, which has been reported to my credit file and is now allegedly owned by Denali Capital , LLC XXXX 

According to a recent response from XXXX XXXX XXXX dated XX/XX/XXXX, this account was charged off and subsequently sold to XXXX XXXX on or around XX/XX/XXXX. I dispute the accuracy and validity of this debt and am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I hereby request the following documentation : 1. Full validation of the alleged debt, including a breakdown of the amount claimed, itemized payment history, and any fees applied.

2. A complete flow of assignment, including all documents evidencing the transfer and sale of the account from XXXX XXXX to Denali Capital, with dates and signatures. 
3. The original contract bearing my wet signature, which legally obligates me to the alleged debt.

4. Any securitization documents, if the account was pooled or sold as part of a debt instrument. 

Until the above documentation is provided, I demand that all collection activity cease immediately, including any reporting to the credit bureaus, phone calls, emails, or letters. Any failure to validate the debt or produce the flow of assignment will constitute a continued violation of my consumer rights. 

Additionally, this letter shall serve as formal notice to cease and desist all further communication with me regarding this matter, unless and until full validation is provided. 

Please note that if your company continues to report inaccurate or unverifiable information to the credit bureaus, I will not hesitate to pursue all available legal remedies under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

You XXXX respond in writing to the address or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit. these accounts I didn't recognize them they are being report by a third party i want them to be remove.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The account in question is the result of identity theft and should not be reported under my consumer file. 

Please find enclosed a copy of my official identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) which supports this claim. As mandated by 15 U.S.C. 1681c-2, credit reporting agencies are required to block all information identified as resulting from identity theft within four ( 4 ) business days upon receipt of such a report. 

The fraudulent account to be blocked is as follows : Creditor Name : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX * * Reported By : TransUnion Balance : {$340.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX This account is not mine, was opened and reported without my authorization, and is having a significant negative impact on my ability to obtain housing for my family. Despite multiple calls to your bureau reporting this fraudulent information, I have not received an adequate solution. Furthermore, this account does not appear on my XXXX  or XXXX  reports, which raises further concern over the accuracy and legitimacy of this entry. 

I have repeatedly requested validation and a copy of the original contract from the creditor and, more than 60 days later, have yet to receive any response or documentation supporting the debt. 

Therefore, I respectfully demand the following : Immediate blocking and deletion of the above-referenced account from my TransUnion credit report under 15 U.S.C. 1681c-2. 

Confirmation that this information has been removed. 

Cessation of any further reporting or reinsertion of this account unless proper legal certification is provided. 

Please treat this request with the urgency and seriousness it deserves. I appreciate your cooperation and look forward to receiving a prompt resolution to this matter.

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 2025-05-21 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: Experian Information Solutions Inc.
State: NV

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 List of 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 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 2025-05-21 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: Experian Information Solutions Inc.
State: IL

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 2025-05-21 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: IL

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 2025-05-21 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: MoneyLion Inc.
State: OK

Complaint narrative:
This is complete XXXX XXXX. I'm not in XXXX XXXX and I DEFINITELY DON'T HAVE XXXX student loans. This needs to be rectified NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I was scammed out of {$2100.00} through PayPal. Someone tricked me into sending money using Friends & Family so I wouldnt be protected. I didnt authorize these payments and reported it right away. 

PayPal closed my case saying the transactions were authorized, but I didnt send the money. I have proof screenshots, a video of our messages ( that is too large to send but i could send through email ), and fake checks the scammer sent me. I also emailed PayPal with this evidence, but they havent helped. 

I want PayPal to take another look and refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief