vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
Consumer Complaint to Credit Bureau ( XXXX, Equifax, XXXX ) Subject : Dispute of Unlawful Repossession, Breach of Contract, and Fraudulent Reporting by XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of negative information by XXXX XXXX XXXX XXXXegarding my auto loan. This account is currently under legal dispute due to breach of contract, improper assignment, unlawful repossession, and fraudulent securitization of my financial instrument. 

Reasons for Dispute : 1. Unlawful Repossession & Breach of Contract My contract with XXXX XXXX requires arbitration for any legal action. XXXX XXXX ignored this requirement and proceeded with unlawful collection actions. 
The company failed to perfect its lien, as confirmed by a UCC-11 search, meaning it had no lawful claim to repossess the vehicle.

The repossession was conducted in violation of state and federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC 9-318 ( a ) ), which prohibits enforcement once a promissory note has been sold.

2. Fraudulent Reporting & Inaccurate Account Status XXXX XXXX  has securitized my loan by selling it to XXXX XXXX Auto Loan Trust 2024, which means they no longer retain a legal or equitable interest in the account per UCC 9-203 ( g ).

Since they transferred ownership of the contract, they lost enforcement rights, and any negative credit reporting by them is inaccurate and misleading. 
They have also failed to report the proper accounting on my behalf through necessary tax forms, indicating discrepancies in their financial reporting practices. 
3. Failure to Properly Respond to Legal Notices I provided a written revocation of their security interest within the first week of purchasing the vehicle. 
XXXX XXXX failed to respond within XXXX  days, rendering their claim to the contract unenforceable. 
Despite my dispute, they continued to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) XXXX ( responsibility of furnishers to report accurate information ). 

Requested Resolution : Immediately remove any negative reporting from my credit file regarding this account. 
Correct my credit report to reflect that the account is under legal dispute. 
Investigate and confirm that XXXX XXXX no longer has a perfected XXXX or enforcement rights on this contract. 
Verify whether XXXX XXXX still legally owns this account or if it has been transferred to another entity. If transferred, the entity that currently holds the contract should be the only party reporting. 

Failure to correct this inaccurate reporting will result in further legal action, including complaints to the CFPB, FTC, state attorneys general, and private litigation for violations of the FCRA, UCC, and consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I

am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I

am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I c system just popped up on my credit report. This is not my debt and I don't owe this debt. I have been a victim of identity theft and my information has been exposed to a data breach. This account needs to be removed immediately off ALL credit bureaus

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 2025-02-18 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: FL

Complaint narrative:
I have always believed that financial institutions hold a moral responsibility to report information with absolute accuracy and fairness, yet I find myself in a position where my trust in that principle is being tested. The late payment reported on my account does not reflect my true commitment to financial responsibility, and I am deeply disheartened that such an oversightwhether by misapplied payment, processing delay, or lack of proper notificationcould unfairly tarnish my credit standing. I have made every effort to maintain good faith in honoring my obligations, and I now ask the same in return. If this late payment can not be indisputably verified with concrete evidence, then I urge you to do what is rightnot just procedurally, but ethicallyand remove this mark from my record. XXXX and integrity should guide this decision, just as they guide the trust between consumers and financial institutions.Creditor Name : XXXX Account XXXX XXXX name : 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 2025-02-18 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: FL

Complaint narrative:
I have always believed that financial institutions hold a moral responsibility to report information with absolute accuracy and fairness, yet I find myself in a position where my trust in that principle is being tested. The late payment reported on my account does not reflect my true commitment to financial responsibility, and I am deeply disheartened that such an oversightwhether by misapplied payment, processing delay, or lack of proper notificationcould unfairly tarnish my credit standing. I have made every effort to maintain good faith in honoring my obligations, and I now ask the same in return. If this late payment can not be indisputably verified with concrete evidence, then I urge you to do what is rightnot just procedurally, but ethicallyand remove this mark from my record. XXXX and integrity should guide this decision, just as they guide the trust between consumers and financial institutions.Creditor Name : XXXX Account XXXX XXXX name : 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 2025-02-18 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} TU XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: LA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 
Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Feedback on Truist XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my concern and disappointment regarding my recent experience with my Truist Safe Deposit Box payment. I was recently informed that my payment was due, and as a result, a locker drill was scheduled. However, I did not receive any phone call, message, email, or mail regarding the payment due. 

Additionally, when I visited the bank in 2024, I was not informed about any pending payments or issues related to my XXXX XXXX XXXX. I had assumed that my auto-pay setup was functioning properly, and it is deeply concerning that no prior notice was provided before proceeding with such a drastic step. 

I find this service highly unsatisfactory and am still in shock at how a bank could proceed with a locker drill without informing the customer. I would appreciate an immediate clarification on : Why I was not notified in any way about the due payment. 
What corrective actions Truist Bank will take to prevent such incidents in the future. 

Please treat this matter with urgency and provide a resolution at the earliest.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Relevant documents have been included for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Please be advised that I will need to contact the President 's office if the appropriate steps are not taken in my complaint. I believe the company is supposed to respond and the CFPB are supposed to follow specific steps for a solution between the constituent and the company. I have not received an explanation as to why my account was abruptly permanently limited. I feel this is a sort of bias discriminatory treatment towards my PayPal account. I believe the company should provide an explanation. I know if this were a court judge would expect proof, an explanation. Also, if my account is limited why is their company storing, holding on to my personal banking information if I am unable to use my account. I have a right to not want my personal data kept for security purposes. It is my personal banking card and banking information. I noticed it has not been deleted. They should delete my personal data and close the account. This is not a duplicate complaint as this specifically involves my account that has been limited. There has not been a response related to this specific complaint, So the CFPB needs to make sure they are not overlooking important matters which concern constituents. I have not seen other PayPal user customer 's account limited as mine. Some of them have much more activity on their accounts. Therefore, I am seeing the handling of my account in a discriminatory bias way. I lost rental income at the time they abruptly limited my account. I was told I should present my tenant rental lease agreement to the court for review. They pay me rent via PayPal, XXXX, XXXX. I own properties and rent out those properties. So, their bad treatment towards me as a user and customer caused me to lose important income from my tenant 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately.

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay.

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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