vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Im a victim to fraud someone was able to have access to one of my cash app accounts and without me knowing take out my funds via bitcoin transfers. I will list all the transaction that occurred without me verifying. XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XXXX XXXX amount XXXX XXXX XX/XX/XXXX, amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX XX/XX/year> amount XXXX XXXX and the total being XXXXXXXX XXXX that I did not authorize to be taken out my account Im looking to get this money refunded to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Credit Reporting AgencyXXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Repossession Charge-Off Closed Account - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession charge-off for the account listed under King of credit financial/ Camacho Auto Sales Inc with account number XXXX This account is marked as `` closed '' and charged-off, but I have not received an IRS Form 1099-C for the forgiven debt associated with this repossession.

As you may know, under the IRS guidelines, a lender is required to issue a 1099-C for any debt that is cancelled or forgiven, typically in cases of repossession. To my knowledge, I have not received this form for the year the repossession occurred, which leads me to believe that this account has been inaccurately reported on my credit file. 
I request that you investigate this matter and correct any inaccuracies regarding the reporting of this account. Specifically, I ask that you : 1. Verify whether a 1099-C was issued for this account.

2. Ensure that the credit reporting reflects the proper treatment of this closed account in accordance with IRS requirements.

3. Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should have been documented via a 1099-C.

To assist in the investigation, I have included the following documents for your review : * [ List any relevant documents you are attaching, such as payment records, communication with the lender, or any other supporting evidence ]. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation within 30 days and provide me with the results in writing. 
If further documentation or information is needed, please let me know. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX In addition to this dispute letter I will include screenshots of transactions credit report with king of credit financial inc is one and the same XXXX XXXX XXXX XXXX are the same company. Report under XXXX different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2025 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate and Unauthorized Bankruptcy Reporting Dear LexisNexis Consumer Center, I am formally disputing the bankruptcy record that you have included in your reports XXXX XXXX  # XXXX discharged under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ). You are reporting unverified and unauthorized information about me without my consent, which constitutes a clear violation of my rights under federal law.

Violations Committed by LexisNexis 1. Unauthorized Use of My Consumer Information 15 U.S.C. 1681b Under the FCRA, a consumer reporting agency may only furnish a consumer report under specific permissible purposes outlined in the law. I have never provided authorization for you to access or report my bankruptcy records.

2. Failure to Maintain Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) The FCRA requires consumer reporting agencies to maintain the maximum possible accuracy of consumer information. You have reported unverified, outdated, and incomplete information regarding a bankruptcy filing, which violates this provision.

3. Violation of Privacy Protections Under Rule 9037 Federal law strictly limits public access to certain court records under Rule 9037 of the Federal Rules of Bankruptcy Procedure. Your reporting of my bankruptcy fails to meet the privacy protection standards set forth by the court, making your actions unlawful. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was charged interest on my XX/XX/year> statement after signing up for 0 % promotional APR. I was not notified that the promotional APR expired on my account and attempted to reach a solution with the company. I immediately paid my remaining balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX requested verification of this unkown debt there has been no response an no proof of a signed contract or type of loan or credit card. Any business I have ever had with Wells Fargo I have paid in full in the past. This debt is from XXXX which is more than 15 years old.

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 2025-03-19 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: DC

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 non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXXXX/XX/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 2025-03-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXXXX/XX/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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to dispute incorrect information on my credit report that requires immediate attention. Specifically, there are accounts listed that I did not open, and I firmly dispute their presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with Bank of America. In inspecting this change I noticed several negative changes to my credit score and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with Bank of America, XXXX, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.

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 2025-03-19 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: VA

Complaint narrative:
Several accounts continue to be made due to incorrect information that is in my report due to compromised information in breached accounts records of more than 24 different companies that should have at least deleted all my information across the board. 
Due to no fault of my own my identity had been stolen as it continues as Im typing at this moment. Phone shut down accounts opened, accounts paid, existing accounts charged by lady saying she worked for Social Security administration with all my information in hand. Changes passwords, locks me out my accounts orders from 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 2025-03-19 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: VA

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

Company 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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Open Dealer Exchange, LLC
State: KY

Complaint narrative:
I AM WANTING THESE HARD INQUIRES TO BE REMOVED OFF OF MY CREDIT, I DID NOT AUTHORIZE NONE OF THOSE BANKS/AUTO COMPANY 'S TO RUN THEM AT ALL PLEASE THIS IS FRAUDULENT! THANK YOU, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I hope you're doing well. Im reaching out because I recently discovered that a company has pulled my credit without my permission. I want to make it clear that I never authorized these inquiries, and I consider them both unauthorized and fraudulent.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: IL

Complaint narrative:
I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforeseen Medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicate of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. I understand that according to federal law 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law IS U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why Kik Off is heads above the rest. I look forward to your reply. 



Very Hopefully yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation