vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

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 XXXXXXXX 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 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 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 2025-03-25 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: IL

Complaint narrative:
"PLEASE REMOVE BLOCK AND REMOVE THIS FRAUDULENT ACCOUNT. THESE ACCOUNTS ARE NOT MINE. 
1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX %600.00 ACCOUNT NUMBER XXXX 
3. XXXX XXXX  ACCOUNT NUMBER XXXX   4. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
5. XXXX XXXX BA XXXX  ACCOUNT NUMBER XXXX  
6. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
7. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 8. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 9. XXXX XXXX ACCOUNT NUMBER XXXX 
 10. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
 11. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
 12XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
13. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX   14XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
15. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXX 
16XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
17. XXXX XXXX XXXX XXXX: DISMISSED XXXX  REFERENCE NUMBER XXXX
FRAUDULENT INQUIRIES: 1. XXXX XXXX XXXX XXXX XXXX  2. 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 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 2025-03-25 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:
"PLEASE REMOVE BLOCK AND REMOVE THIS FRAUDULENT ACCOUNT. THESE ACCOUNTS ARE NOT MINE. 
1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX %600.00 ACCOUNT NUMBER XXXX 
3. XXXX XXXX  ACCOUNT NUMBER XXXX   4. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
5. XXXX XXXX BA XXXX  ACCOUNT NUMBER XXXX  
6. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
7. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 8. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 9. XXXX XXXX ACCOUNT NUMBER XXXX 
 10. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
 11. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
 12XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
13. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX   14XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
15. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXX 
16XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 
17. XXXX XXXX XXXX XXXX: DISMISSED XXXX  REFERENCE NUMBER XXXX
FRAUDULENT INQUIRIES: 1. XXXX XXXX XXXX XXXX XXXX  2. 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 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: MCMC Auto LTD
State: TX

Complaint narrative:
Complaint Demanding Removal of Unlawfully Reported Repossession and Associated Derogatory Information Your Information : * Your Name : XXXX XXXX * Your Address : XXXX XXXX XXXX, XXXX, TX XXXX * Your Phone Number : XXXX * Your Email Address : XXXX Creditor Information : * Creditor Name : XXXX XXXX XXXX XXXX * Creditor Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX * Phone Number : ( XXXX ) XXXX Account Information : * Account Type : Automobile Loan * Account Number : XXXX XXXX  Original Loan Amount : XXXX  * Date of Repossession : XXXX XXXX Date of Auction XXXX  Complaint Details : I am filing this formal complaint to demand the complete removal of the unlawfully reported repossession and all associated derogatory information from my credit reports with XXXX and XXXX. The reporting of this repossession is inaccurate and violates Texas state laws and federal consumer protection acts. 
* Failure to Provide Proper Notification of Repossession and Sale : * According to Texas law, specifically the Texas Business and Commerce Code, Subchapter F ( Secured Transactions ), creditors are required to provide proper notification before and after the repossession and sale of a vehicle.

* I did not receive proper notification regarding the repossession of my vehicle. Specifically, I was not informed of : * The date and time of the repossession. 
* My right to redeem the vehicle. 
* The date, time, and location of the vehicle 's auction or sale. 
* An itemized accounting of the sale proceeds and any deficiency balance. 
* Failure to provide this required notification violates my rights under Texas law. 
* Unlawful Repossession and Denial of Redemption Rights : * Texas law provides consumers with the right to redeem their repossessed vehicle before it is sold. 
* I was not given a reasonable opportunity to redeem my vehicle, or I was actively denied this right. 
* This denial of my redemption rights is a direct violation of the Texas Business and Commerce Code. 
* Inaccurate Credit Reporting and Derogatory Information : * The credit reports from XXXX and XXXX contain inaccurate and conflicting information regarding the repossession, including : * Discrepancies in account status ( e.g., " Paid '' vs. " Derogatory '' ). 
* Conflicting information about the worst payment status and current payment status. 
* Missing information about the auction date and sale proceeds. 
* Duplicated remarks on XXXX. 
* This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable credit reporting. 
* Potential Violation of the Texas Debt Collection Act : * The actions of Mike Carlson Motor C, including the potential failure to provide proper notifications and the reporting of inaccurate information, may also violate the Texas Debt Collection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
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 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 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 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 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I applied for SCRA relief under the Louisiana Statute ; LA XXXX XXXX XXXX XXXX. I specifically cited this state provision which extends relief to XXXX XXXX service members AFTER entering military service. 

On XX/XX/year>, XXXX XXXX denied my request citing the following reason : " ..the SCRA rate cap only applies to obligations made before entry into XXXX XXXX service. Because you were an XXXX XXXX servicemember on the date the debt was incurred, you are not eligible for the 6 % interest rate cap. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$0.00}

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 2025-03-25 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: TX

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint, XXXX, XXXX  and demand for disclosures under TILA 15 USC 1641 ( 2 ) F to disclose the identity of the CREDITOR who appointed XXXX XXXX XXXX XXXX XXXXXXXX as its paying Agent and JP Morgan Chase as its servicer to collect my total payoff payment. 
On XX/XX/XXXX I received AI generated unsigned Notice of Servicing Transfer from XXXX XXXX XXXX XXXX informing that unknown to me Principal allegedly " transferred servicing '' of my VA guaranteed " loan '' to faux company XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX 's own words in SEC Form XXXX, XXXX  is not involved in any actual servicing of any Agence loans. All actual servicing was conducted by various investment banks like XXXX XXXX, JP Morgan XXXX Bank XXXX XXXX who are also underwriters [ principals ] of XXXX 's Prospectus and actual issuers/sellers of XXXX  " securities '' On XX/XX/XXXX I received AI generated letter from XXXX XXXX XXXX, XXXX informing that my alleged " loan '' is in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX whom XXXX is allegedly Servicing and give my money to distrubute to investors who also claimed to be XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a letter where XXXX confirmed that they are paying agent for my alleged " loan '' in XXXX alleged pool. XXXX denied it. On XX/XX/XXXX JP Morgan demanded from me {$140000.00} and in following documents including XX/XX/XXXX " Reinstatement letter '' JP Morgan Chase demanded from me to wire them {$17000.00} to avoid foreclosure during my so-called " bankruptcy protection ''. On XX/XX/XXXX " XXXX 's employee XXXX XXXX '' told me that my Creditor is the Department of Veterans Affairs whom XXXX is allegedly servicing while here are other servicers, XXXX XXXX and JP Morgan, I recorded this conversation and forwarded it to the Department XXXX VA - whose employee XXXX XXXX told me that VA is not my creditor, and he does not know whom XXXX is servicing. The Department XXXX VA employees told me that they don't have contact with XXXX. Since XXXX insisted that it is a paying agent to investors whom alleged servicing XXXX gives my money, and JP Morgan is the actual Servicer who demands from me either full " payment or {$17000.00} to avoid foreclosure during bankruptcy, I have legal right to know who hired and authorized Servicers and Debt XXXX XXXX  and JPM to demand from me any payments and who is entitled to receive and who actually received my money collected and distributed by paying agent XXXX  and JPM. As Debt XXXX and Servicers, XXXX  and JPM are obligated to respond my XXXX XXXX and make disclosures under TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
portfolio Recovery Associates , LLC XXXX XXXX5USC 1681 [ a ] 1 challenges the 30 day response time 15USC 1681 [ a ] 6 [ B ] challenges investigation protocol 15 USC 1681 [ A ] [ 5 ] B challenges reinsertion protocols

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information appearing on my TRANSUNION credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. 
FTC REPORT NUMBER : XXXX FTC REPORT NUMBER : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report, which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request.

The following accounts have been fraudulently reported and must be DELETED IMMEDIATELY : FRAUDULENT ACCOUNTS : 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 XXXXXXXX I have made multiple attempts to resolve this issue directly with TRANSUNION, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts.

I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights.

Thank you for your prompt attention to this urgent issue.

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 2025-03-25 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information appearing on my TRANSUNION credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. 
FTC REPORT NUMBER : XXXX FTC REPORT NUMBER : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report, which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request.

The following accounts have been fraudulently reported and must be DELETED IMMEDIATELY : FRAUDULENT ACCOUNTS : 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 XXXXXXXX I have made multiple attempts to resolve this issue directly with TRANSUNION, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts.

I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights.

Thank you for your prompt attention to this urgent issue.

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