vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address.

The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-20 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:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address.

The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-20 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint against both Experian and Equifax for inaccurate and inconsistent reporting of a dismissed XXXX XXXX XXXX 

Bankruptcy Filing Date : XX/XX/XXXX - Consolidated XX/XX/XXXX Case Number : Consolidated Case number : XXXX Dismissed after XXXX years due to documented spouse XXXX hardship On XX/XX/XXXX XXXX has fully removed this public record as unverifiable. Equifax and Experian refuse to update or remove the same item despite FCRA requirements to ensure accurate and complete reporting after XXXX attempts at disputing with proper documentation. 

This inaccurate and inconsistent reporting is creating unnecessary harm to my ability to secure rental housing and is not reflective of my current financial condition. 

The bureaus are reporting my XXXX XXXX as still open and active. 


However : It was dismissed in XXXX. 


It was filed in early XXXX. 


There has been no trustee activity or active repayment plan since dismissal. 


They are misreporting both status and date which I believe is in violation of FCRA 607 ( b ) : Consumer reporting agencies must maintain maximum possible accuracy. 


Supporting documents are available upon request. 

Thank you. 

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> I went to pick up vehicle from Repo lot, when I tried to leave they did not give me the keys that they made to the car. I explained to them at that time I would not continue to make payments until I received all the keys made to the vehicle. In florida it is illegal for repo comapnies to retain keys or property from vehicles when vehicle is picked up from repossession. 

I called Ally and advised them of the situation, they have neither obtained and provided the keys or offered a resolution that would secure my vehicle threat of theft or damage due to the keys not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Subject : Dispute of Debt Cancellation Income XXXX Dear Sir or Madam, I am writing in response to the notice regarding the {$3900.00} in income reported as a result of alleged debt cancellation by Citibank . I believe this information is incorrect, and I am disputing the amount owed for the following reasons : 1. Debt Cancellation Not Confirmed : Citibank did not cancel this debt, as it is still being reported negatively on my credit reports from XXXX XXXX XXXX. I have enclosed copies of my credit reports as evidence that the debt remains active and was not forgiven.

2. No Form 1099-C Received : I did not receive a Form 1099-C from Citibank for the alleged debt cancellation. According to IRS guidelines, a creditor must issue Form 1099-C to a debtor for canceled debts exceeding {$600.00}. Without proper documentation, I should not be required to report this as income. 
3. Debt charged off in XXXX : This debt was charged off by Citibank in XXXX. A charge-off is an accounting action and does not constitute debt cancellation or forgiveness. Therefore, it should not be reported as taxable income. 
Additionally, I apologize for the delay in responding to this notice. From XX/XX/XXXX, through XX/XX/XXXX, I was in federal prison, which made it difficult to address personal matters in a timely manner. During this period, my house was foreclosed on in XX/XX/XXXX, and my address changed as a result. These circumstances further contributed to the delayed response. 
Given the above points, I respectfully request that you investigate this matter and correct the amount on my tax record. I have included the following supporting documentation for your review : Copies of my credit reports from XXXX  and XXXX, showing the debt is still being reported as active. 
A copy of the notice I received from the IRS regarding this issue. 
Please let me know if you require any additional information to resolve this matter. I appreciate your time and attention and look forward to your response. 
Thank 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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited in XX/XX/year>. I was informed that my funds would be held for up to 180 days for review, and that I would be contacted by email when the funds become available.

It has now been over 7 months, and I still have not received any email, instructions, or access to my {$600.00}. I contacted PayPal multiple times, but I have not received a clear explanation or resolution. I have the right to access my funds, and this delay is unacceptable and causes financial harm.

I am requesting the immediate release of my {$600.00} balance and a full explanation from PayPal. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Inaccurate and unauthorized information input on all three of my credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I did not give XXXX XXXX  XXXX permission to access my credit information, nor did I apply for credit or financing with them that would warrant a hard pull on my credit report. This inquiry was made without my consent and is therefore unauthorized. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this matter and remove the unauthorized inquiry from my credit report. I am attaching a copy of my credit report showing the inquiry in question, along with a copy of my government-issued ID for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I rented a car from dollar rental for {$390.00} on XX/XX/XXXX XX/XX/XXXX I transferred {$250.00}, I never received the credit for the {$250.00}, bank claimed the {$250.00} went toward the {$390.00} that was already pending prior. 
XX/XX/XXXX I was told the {$200.00} from the {$390.00} was still pending and should apply to the credit amount after 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
On XX/XX/year> I filed a dispute with Experian and I decided to follow up the investigation with them today on XX/XX/year> and I called them to ask for results of my investigation and they told me they dont have no paperwork on my investigation and that my account are not incorrect or inaccurate because the creditor said so.

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 2025-06-20 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: MI

Complaint narrative:
On XX/XX/year> I filed a dispute with XXXX and I decided to follow up the investigation with them today on XX/XX/year> and I called them to ask for results of my investigation and they told me they dont have no paperwork on my investigation and that my account are not incorrect or inaccurate because the creditor said so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was the victim of a computer scammer. They were able to access my Citibank account and had almost {$28000.00} wired to them. No one from Citibank ever called me to ask if it was me making this wire transfer, or if I had authorized it. It was 2 - 3 days before a Fraud investigator called me. In the meantime I had called the bank and was told I had to file a complaint and wait 30 days for a resolution. I need this money. I did not authorized any transfer of funds. No one asked me if it it was me making this request. I would like my money refunded.

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 2025-06-20 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I've contacted XXXX  multiple times about a company name XXXX. XXXX  is allowing this company to engage in discrimination and also causing economic hardship by falsely reporting negative information on my consumer report I sent letters to XXXX  back in XXXX of XXXX  exercising my rights and they closed the account without my knowledge and also sending back all my autopayments to force the account into a charge off. This account is not mine I made all my payments when XXXX close the account they were supposed to send me the remaining balance instead, they kept the account open forcing it into a charge off while telling me that the account was closed once the account was closed in XXXX of XXXX  XXXX no longer had permissible purpose f my consumer report. Because of this false reporting I lost the contract to my business and ultimately lost my home due to my credit score falling under the threshold to buy the home. XXXX  is allowing this company to insert Negative information every month for the past 2 years on my consumer report without vetting this company properly I've attached supporting documents showing XXXX  drastically changing information on my consumer causing my credit score to go up or down drastically. every month it's a different reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 2025-06-20 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: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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