vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX, I traded a XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX. XXXX months later they closed down and relocated. I started getting phone calls at least XXXX a day from XXXX XXXX about my loan being late. I explained to them I traded the car in at XXXX XXXX XXXX XXXXXXXX on XXXX truck. I called XXXX XXXX and I was told that the car had been sold. XXXX XXXX still continued to call. I gave them the salesman number the owners number. XXXX XXXX in XXXX closed down and moved to XXXX NJ with no notice. After reopening in XXXX, I was told that the business belonged to someone else. However in XXXX of this year XXXX XXXX interviewed a single mother ( XXXX XXXX ) that was taken advantage of by the dealership, where the dealership did not pay the financial institution for her trade and now she has XXXX worth of car loans on her credit. XXXX XXXX has been shut down by the prosecutor 's office in XXXX XXXX and now they are permanently closed and under investigation. The XXXX truck deal was not properly done either and I turned the vehicle in after my father in XXXX died in XX/XX/XXXX. 
I am left with {$63000.00} for XXXX cars on my credit report from a crocked deal at a crooked dealership.

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 2025-07-24 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: NJ

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX months later they closed down and relocated. I started getting phone calls at least XXXX a day from XXXX XXXX about my loan being late. I explained to them I traded the car in at XXXX XXXX XXXX XXXXXXXX on XXXX truck. I called XXXX XXXX and I was told that the car had been sold. XXXX XXXX still continued to call. I gave them the salesman number the owners number. XXXX XXXX in XXXX closed down and moved to XXXX NJ with no notice. After reopening in XXXX, I was told that the business belonged to someone else. However in XXXX of this year XXXX XXXX interviewed a single mother ( XXXX XXXX ) that was taken advantage of by the dealership, where the dealership did not pay the financial institution for her trade and now she has XXXX worth of car loans on her credit. XXXX XXXX has been shut down by the prosecutor 's office in XXXX XXXX and now they are permanently closed and under investigation. The XXXX truck deal was not properly done either and I turned the vehicle in after my father in XXXX died in XX/XX/XXXX. 
I am left with {$63000.00} for 2 cars on my credit report from a crocked deal at a crooked dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX, I traded a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX months later they closed down and relocated. I started getting phone calls at least XXXX a day from XXXX XXXX about my loan being late. I explained to them I traded the car in at XXXX XXXX XXXX XXXXXXXX on XXXX truck. I called XXXX XXXX and I was told that the car had been sold. XXXX XXXX still continued to call. I gave them the salesman number the owners number. XXXX XXXX in XXXX closed down and moved to XXXX NJ with no notice. After reopening in XXXX, I was told that the business belonged to someone else. However in XXXX of this year XXXX XXXX interviewed a single mother ( XXXX XXXX ) that was taken advantage of by the dealership, where the dealership did not pay the financial institution for her trade and now she has XXXX worth of car loans on her credit. XXXX XXXX has been shut down by the prosecutor 's office in XXXX XXXX and now they are permanently closed and under investigation. The XXXX truck deal was not properly done either and I turned the vehicle in after my father in XXXX died in XX/XX/XXXX. 
I am left with {$63000.00} for XXXX cars on my credit report from a crocked deal at a crooked dealership.

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 2025-07-24 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: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is reporting multiple collection accounts on my credit report that are inaccurate, unverifiable, and appear to be duplicated. Specifically : They are reporting the same account under variations of their name : XXXX XXXX, XXXX XXXX XXXX, and XXXX. The balances listed are {$3700.00}, {$1100.00}, and another {$1100.00}. Each of these appears to stem from XXXX XXXX  and XXXX, yet no original contract, chain of title, or validation has been provided. 
The accounts lack proper payment history, list inaccurate activity dates, and in some cases are re-ageda violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts with the credit bureaus ( Experian, TransUnion, and Equifax ), and XXXX XXXX  has failed to provide sufficient validation as required under 15 U.S.C. 1692g and 15 U.S.C. 1681i.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft someone obtained goods in my name without my consent. The debtor is 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 2025-07-24 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:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

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 and 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 2025-07-24 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:
On XX/XX/year>, I filed a dispute with Experian regarding two credit cards they claim I owe from XXXX XXXX XXXXXXXX. On XX/XX/year>XXXX XXXX XXXX XXXXXXXX sent me a letter confirming that I have never had any accounts with them under my name or Social Security number. Despite this, Experian responded today stating : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. I am requesting that this inaccurate information be removed from my credit report, as I have documented proof from the creditor denying any account association

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX sells people from XXXXXXXX XXXX XXXX came by. They said they can set me up with a free month home security trial. He said to do a soft credit pull to see if I can get approved for the free installation. Said it would be XXXX $ for the set up and I could cancel before anything was charged. Then he started clicking all kinds of forms on his tablet and left. Later I got emails from some credit card company Fortiva that I had over a XXXX $ charge to some credit card that was opened in my name. I tried calling XXXX customer service they said they cant help me and to contact the sells people. I called and text the sells people and they never responded to calls messages or text. After a week of calling. I have also called XXXX customer service several times and they said I was only on a 3 day trial and I missed it that and they wouldnt help me with anything. I am trying to reach out to the Fortiva credit card company and let them know I didnt approve or apply for this account but not sure they will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Im not sure which one company.improperly information report someone else.

Not because the person stay in the same address they put same information.IPlease reconderastion with my credit report, till now i still trying to apply morgage, vehicle.Please help me to make easy application approved

, so i can get my kids back. if alot inquary make the credit score down.like lack information real estate, i never apply real estate.Please, dispute not my information.thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am submitting this complaint because PayPal failed to appropriately investigate my dispute involving funds used at an online gambling platform ( XXXX XXXX ) while I was enrolled in a formal self-exclusion program. 

I have been self-excluded from online gambling since XX/XX/year> through a regulatory agency ( XXXX  in Pennsylvania ) . Despite this, I was able to open a new account with XXXX XXXX and make deposits via my PayPal account violating responsible gaming policies. 

My concern is not unauthorized access by a third party, but that PayPal facilitated transactions with a merchant who should have barred me due to my self-exclusion status. I raised this issue with PayPal multiple times, but they repeatedly closed my dispute by stating that the transactions were not unauthorized. This ignores the real issue : the merchant should not have allowed me to gamble at all, and PayPal should not have supported payments to them. 

I also received promotional bonuses and outreach from VIP staff at XXXX XXXX, despite being banned, which adds to the concern of regulatory failure and negligence. I requested a refund, citing breach of duty, but was denied by both the operator and PayPal. 

I am asking that the CFPB investigate whether PayPal acted responsibly in handling this matter, and whether it bears liability in processing transactions that violated responsible gambling agreements.

I can send supporting documentation showing my self-exclusion, dispute with the merchant, and PayPals repeated dismissal of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. 
Under FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.

THE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. 
2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. 
3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). 
4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. 
5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). 
I DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.

This is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.

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 2025-07-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. 
Under FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.

THE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. 
2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. 
3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). 
4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. 
5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). 
I DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.

This is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Reporting agency furnished consumer reports. I did NOT give them written instructions to report this information, therefore, this is fraudulent/identity Theft. Under 15 US Code 1681c-2, the consumer reporting agency must block information that I identify as information that resulted from an alleged identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PR

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to properly investigate and correct inaccurate information that I have disputed multiple times. 

Disputed AddresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address does not belong to me and is not connected to any current or past residence. 
Law Violated : FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

Relief Requested : Permanent removal of this address from my credit report. 

Disputed Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is another address that is not associated with me in any way.

Law Violated : FCRA 607 ( b ) Relief Requested : Permanent deletion of this inaccurate address. 

Unauthorized Inquiry # XXXX : XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize this inquiry and have no relationship with XXXX XXXX. 
XXXX Violated : FCRA 604 ( a ) ( 3 ) and 604 ( f ) No permissible purpose or consent.

Relief Requested : Immediate deletion of this unauthorized inquiry. 

Unauthorized Inquiry # XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize this inquiry either.

Law Violated : FCRA 604 ( a ) ( 3 ) and 604 ( f ) Relief Requested : Immediate removal of this hard inquiry. 

Unauthorized Inquiry # XXXX : XXXX XXXX XXXXXX/XX/XXXX Issue : I never applied for any credit or account with XXXX XXXX. 
XXXX Violated : FCRA 604 ( a ) ( 3 ) and 605B Violation of identity theft protection rights.

Relief Requested : Deletion of this inquiry from my TransUnion report.

TransUnion has failed to fulfill its obligation under : FCRA 611 Failure to conduct reasonable reinvestigation FCRA 607 ( b ) Failure to ensure accuracy FCRA 604 Unauthorized access to credit file FCRA 616 & 617 Willful and negligent non-compliance Despite multiple written disputes, TransUnion continues to report this inaccurate information and refuses to provide any investigation details or documentation supporting their reporting. I have followed proper dispute procedures and provided identification and evidence, yet no resolution has been made. 

I am requesting CFPB to take immediate enforcement action against TransUnion and ensure : Deletion of both inaccurate addresses Deletion of all three unauthorized inquiries A copy of their reinvestigation procedures and results Attached : Credit report showing disputed entries, copies of dispute letters, proof of identity, and address. 

Thank you for your assistance.

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