vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I applied for an loan and was denied due to incorrect information and errors resulting in denial of the loan in the amount of n/a on the dates of XX/XX/year> due to an previous loan never received

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 2025-04-26 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: OH

Complaint narrative:
I applied for an loan and was denied due to incorrect information and errors resulting in denial of the loan in the amount of n/a on the dates of XX/XX/year> due to an previous loan never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I applied for an loan and was denied due to incorrect information and errors resulting in denial of the loan in the amount of n/a on the dates of XX/XX/year> due to an previous loan never received

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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Domestic Violence, Displacement, Economic Abuse Mishandling of Loan by Credit Acceptance Corporation I am a survivor of long-term domestic violence and economic abuse by an individual named XXXX, XXXX whom I have multiple restraining orders issued between XXXX and XXXX. 

During the time I was experiencing abuse, coercive financial control, and displacement from my home, I entered into an auto loan agreement with Credit Acceptance Corporation. This loan was entered into under conditions of duress and financial manipulation, during a period when I had no full financial autonomy. 

Throughout the life of the loan, I informed Credit Acceptance representatives multiple times particularly when arranging payment plans that I was experiencing XXXX XXXXXXXX, severe financial hardship, and displacement. Despite these disclosures, Credit Acceptance continued to aggressively pursue collections and report negatively on my credit, without offering any meaningful accommodations or hardship support. 

Their treatment caused substantial ongoing financial harm and worsened my economic vulnerability as a XXXX XXXX XXXX 

Additionally, during this period of hardship, the vehicle associated with the loan developed mechanical defects ( check engine light issues immediately after delivery ), which further compounded my financial instability. However, the core of my complaint is not the mechanical condition of the vehicle, but Credit Acceptances mishandling of my loan and disregard for my protected status as a displaced and financially abused survivor. 

I am asserting my rights under : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Consumer Financial Protection Bureau guidance on economic abuse XXXX XXXX XXXX XXXX XXXX XXXXXXXX Act I am requesting that Credit Acceptance : Cease negative reporting associated with this account Delete or suppress the tradeline from my credit reports Review the entire handling of this account under the protections afforded to survivors of XXXX XXXX and economic abuse I have attached supporting court documents including restraining orders. 

I respectfully request that the CFPB reopen and investigate this matter in light of these serious circumstances.

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 2025-04-26 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:
Im requesting the description of the reinvestiigation procedure according to15 USC1681i-7 state if requested by consumer this must be provided within 15 days in Oder to be in compliance within FCRA guidelines

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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed the XXXX XXXX collection account multiple times with the credit bureaus and with the collector. Despite multiple disputes, XXXX XXXX continues to report incomplete and unverifiable information. The account was originally from XXXX XXXX and shows a balance of {$220.00}. However, the collection agency has not provided full validation of the debt, including proof that they own the debt or have the legal right to collect and report it under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX have sold or transferred this debt, but the reporting does not clearly reflect a {$0.00} balance from the original creditor, leading to confusion and possible double reporting. This inaccurate and incomplete reporting is causing ongoing harm to my creditworthiness. I am requesting the immediate deletion of this collection account from my credit reports.

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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was prequalified by America First Credit Union for a {$25000.00} auto loan at XXXX % for XXXX months. 

I submitted all requested documents including the dealer purchase order, full insurance coverage, updated credit verification showing a XXXX XXXX XXXX, XXXX and XXXX tax returns, Social Security income documentation, and paystubs. 

Despite fulfilling all requirements, the loan was wrongfully denied based on speculative reasoning not stated in the underwriting terms namely, an assumption about how the vehicle might be used for cash flow because of my business ownership, despite the purchase being made personally. 

I spent several hours at the XXXX branch on XX/XX/XXXX, trying to resolve the matter. I was given shifting and inconsistent demands, ultimately resulting in an arbitrary denial. 

I am seeking acknowledgment of improper denial, correction of internal documentation, and review for fairness and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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 am writing to formally dispute several inquiries listed on my credit report that were conducted without my authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. After reviewing my recent credit report, I noticed inquiries from the following companies that I did not initiate or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year> According to the FCRA, a permissible purpose must exist for any entity to access a consumers credit file. I have no existing relationship with these companies, nor did I provide consent for them to obtain my credit information. Therefore, these inquiries are unauthorized and must be removed immediately to prevent further harm to my credit standing. 



I respectfully request that these inquiries be investigated and deleted from my credit file pursuant to the FCRA. Please provide me with a written confirmation once these unauthorized inquiries have been removed. If you are unable to verify that a permissible purpose existed, you are required by law to delete the disputed inquiries. 



Attached are copies of my identification and proof of address to assist you in your investigation. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by 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 2025-04-26 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: CA

Complaint narrative:
Experian is reporting a fraudulent {$13000.00} debt from XXXX XXXX XXXX despite repeated disputes, a police report, and an FTC fraud affidavit.

XXXX XXXX XXXX  admitted they have no valid identification linking me to the account. The email address, mailing address, middle initial, and employment information are all incorrect and unrelated to me.

Experians continued reporting of this unverifiable debt violates the Fair Credit Reporting Act ( FCRA ) and caused financial harm, including denial of a mortgage loan.

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 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Not Familiar with company did not go into contract with ED Financial Services LLC, XXXX. XXXX XXXX, XXXX, XXXX  XXXX Did not borrow any funds and or agreeing that they take over any student debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX agreed to accept insurance settlement on account & close account in good standing with settlement balance due to me. XXXX made verbally on recorded line in XX/XX/year> more than once. 
A XXXX call with creditor, myself & insurance agent accured in XX/XX/year> requesting overdue required paperwork from creditor to insurance agent so agent XXXX release full payment to creditor. Also final payment was verified by creditor as paid by me- 30 days prior. Amount due from creditor to me was also verified verbally on the recorded call. 
More than 60 days later creditor has not closed account or paid the balance due to me, and has placed false reports of late/ nonpayment from me on my credit report. 
All payments have been made my me in full on time by me with proof on record. 
My XXXX XXXX dropped from XXXX to XXXX in 60 days due to false reporting on my credit report from the creditor. 
XXXX  is a preditory lender seeking to force me into a poor XXXX XXXX knowing I need a new auto loan. XXXX  does provide loans at high interest to poor credit consumers. 
XXXX  is purposely leaving account open with false credit remarks hoping to remove all other creditors as competion in my search for a new auto loan from a new creditor. 
All payments, verbal & written agreements have verified proof by XXXX calls, emails, bank statements, & insurance claims recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies. 

Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute. 

Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. 

The specific entries I am disputing are as follows : 1. XXXX XXXX XXXXXXXX - Late Payment Reported for XX/XX/year> In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate. 

Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 14-day period mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.

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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I am reporting a situation involving unauthorized and suspicious financial activity connected to my PayPal accounts. 

A person named XXXX sent me funds across several PayPal accounts. Over time, the transactions added up to approximately {$4000.00} {$5000.00} total. 

XXXX pressured and manipulated me into using my PayPal accounts for these activities. He claimed the transfers were for legitimate reasons, but I later realized there may have been fraudulent purposes behind it. I did not fully understand the situation at the time and was under significant emotional pressure. 

Some of the transactions may violate PayPals user agreements or policies, and I am concerned that my information was misused. I would like CFPB to help investigate this matter and ensure that PayPal properly reviews my case. 

I can provide screenshots, transaction history, and other supporting information if needed. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX, to Equifax Information Service LLC on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX, XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-26 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX  and Experian for continued inaccurate reporting of a XXXX XXXX XXXX  account ( Account ending in XXXX ). This account was charged off, closed, and written off in XX/XX/XXXX, but they continue to inaccurately report it with ongoing " CO '' ( charge-off ) marks monthly through XXXX, creating the false appearance of continuous delinquency. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ) [ Furnishing information without accurate dates of delinquency ] and 611 ( a ) [ Failure to investigate and correct inaccurate information ]. According to FCRA 605 ( a ) ( 4 ) - ( 5 ), a charge-off or delinquent account must be removed no later than 7 years from the date of the first delinquency, which was XX/XX/XXXX. Instead, they have repeatedly re-aged and re-reported this account to keep it active and negatively impacting my credit profile. I have previously disputed this account multiple times and submitted FTC identity theft reports confirming inaccuracies, yet the bureaus continue to furnish false data in violation of federal law. I am demanding immediate and permanent deletion of this account from my credit file.

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