vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: MOHELA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Dispute of Inaccurate Credit Report Items Due to Fraudulent Activity Dear Sir/Madam, I am writing to formally dispute several inaccurate items currently listed on my credit report. These items are fraudulent in nature and have been reported incorrectly. Below are the specific issues I have identified : XXXX Account : A XXXX account is showing as delinquent on my credit report, which is incorrect. I have consistently paid my XXXX bills on time, and there is no outstanding balance on my account. This account should be marked as paid in full and up to date. 

XXXX Charges : There are two XXXX charges listed on my report that I do not recognize. I have never authorized or opened accounts with XXXX, and these charges appear to be fraudulent. I request a thorough investigation and the removal of these incorrect items from my report. 

Unauthorized Credit Inquiries : Several credit inquiries have been made without my consent. I did not authorize these inquiries, and they should be removed as they are inaccurate. 

Student Loan : There is an inaccurate entry related to my student loans. The details provided do not match my actual loan status, and I request that this be reviewed and corrected accordingly. 

I would like to request that these items be thoroughly investigated and removed from my credit report, as they do not reflect my actual financial activity and are damaging my credit score. I have not given permission for my personal information to be shared or sold to any secondary companies or debt collectors. 

I have attached supporting documentation to assist in resolving this matter, including my credit report and any relevant communications. I would appreciate it if you could promptly investigate these claims and take corrective actions. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the steps being taken to address these issues. If you need any further information or documentation, I am available at [ Your Phone Number ] or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-21 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:
These Accounts Are Reporting To My Credit Report Multiple Times With the Same Account Numbers. See Attached Documents. 

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 2025-04-21 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed 3 claims for a fraud that happened and unauthorized transaction I had, I have police report and everything to prove this wasnt me and was a scam, they still said they investigated and found nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial
State: WV

Complaint narrative:
Incorrect information on credit report per FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PNC Bank N.A.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

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 2025-04-21 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: OH

Complaint narrative:
Upon reviewing my credit reports from Experian, and TransUnion, I discovered the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX - TransUnion XXXX XXXX XXXX - XXXX, XXXX, XXXX - TransUnion XXXX XXXX - XXXX, XXXX, XXXX - Experian, and TransUnion XXXX XXXX - XXXX, XXXX, XXXX - TransUnion XXXX XXXX  XXXX - XXXX, XXXX, XXXX - Experian XXXX  XXXX XXXX - XXXX , XXXX, XXXX - Experian XXXX XXXX XXXX - JXXXX, XXXX, XXXX - Experian XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX - Experian XXXX  XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX - Experian XXXX XXXX - XXXX, XXXX, XXXX - Experian I did not apply for credit, nor did I authorize these entities to access my credit reports. Under the Fair Credit Reporting Act ( FCRA ), these inquiries constitute a violation of my consumer rights. 

Relevant Legal Violations : FCRA ( 15 U.S. Code 1681b ) This section outlines permissible purposes for accessing a consumers credit report. None of the companies listed had a valid reason or my consent to perform a hard inquiry. 

FCRA ( 15 U.S. Code 1681q ) Willful obtaining of information under false pretenses is a violation of federal law and subject to penalties. 

FCRA ( 15 U.S. Code 1681n and 1681o ) These sections provide for civil liability for willful or negligent noncompliance with 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 non-monetary relief
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
There is an unauthorized hard inquiry XXXX XXXX. I did not apply for this card and i called Transunion in XXXX to file a dispute but they ignored my complaint and hard inquiry remains.

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 2025-04-21 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: DriveTime
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( XXXX  XXXX  Drivetime ), After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
The credit reporting is reporting as being delinquent with a XXXX  loan and that is incorrect reporting from the credit bureau.

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 2025-04-21 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: MS

Complaint narrative:
The credit reporting is reporting as being delinquent with a XXXX  loan and that is incorrect reporting from the credit bureau.

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 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, and incomplete and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ) billing error.

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Subject : Lemon Law Complaint XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint regarding the purchase of a XXXX  XXXX XXXX XXXX  ( VIN : XXXX ) which has demonstrated persistent and dangerous mechanical defects since the day of purchase, and qualifies under the Illinois New Vehicle Buyer Protection Act ( Lemon Law ). 

On XX/XX/year>, I purchased this vehicle from XXXX XXXX XXXX in Illinois. On the very night I took delivery, the vehicle displayed a System Malfunction warning and immediately entered reduced engine power mode, rendering it unsafe and inoperable. The dealership took possession of the vehicle for two full weeks, during which they reportedly replaced fuel injectors and catalytic converters. 

After the vehicle was returned, I drove it for approximately a week and a half before the same malfunction recurred, placing me once again in an unsafe and unusable position. To date, the vehicle has spent more time in service than on the road. 

Despite multiple attempts to resolve the matter through Bank of America ( the lienholder ) and the dealership, I have received no viable path forward. I was told by Bank of America that they cant do anything, and the dealership has offered no resolution. 

This vehicle : Has experienced repeated failure of a major system Was out of service for more than 15 days in total Is unsafe to drive and can not be reliably used Has caused me to lose income, as I rely on it for business This falls squarely within the criteria of the Illinois Lemon Law, and I am requesting the following : 1. A replacement vehicle of the same make/model and trim 2. Compensation for lost income and time associated with this defective vehicle 3. That this matter be resolved without further legal escalation I have attached documentation including service records, proof of purchase, and communications with the dealership and lienholder. 

Please confirm receipt of this complaint and advise on next steps. I am prepared to pursue full legal recourse if this is not resolved swiftly. 

Sincerely, 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 2025-04-21 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: TN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, identity theft, fraud, and/or unauthorized access. I am requesting verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry you claim was authorized by me. 

I have never authorized these actions. Their presence on my credit report constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have already contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or supporting documentation. As a result, the reported items are factually inaccurate and appear to be the product of fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am a XXXX  mother of XXXX XXXX  children, and I am facing an uphill battle to pay off this loan. The exorbitant fees and sky-high interest rates are making this task nearly impossible. In less than two months, I have been hit with over {$1000.00} in fees and interest charges. I am dedicating every single cent I have to pay this off, yet their practices seem utterly illegal. 

Its outrageous that after borrowing just {$5000.00}, I am now forced to pay more than {$1000.00} in interest and fees in less than 2 months. After making a payment of {$1000.00}, my balance dropped to {$3900.00}. Yet the very next morning, I woke up to find my balance had strangely surged to {$4300.00} without any justification. No matter how much I pay, it feels intentionally designed to trap me in a never-ending cycle of debt. This situation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
I am writing to formally dispute the accounts and inquiries appearing on my consumer credit report, which I believe to be the result of a data breach, identity theft, fraud, and/or unauthorized access. I hereby request verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry that is alleged to have been authorized by me. 

I have never authorized these actions. Their inclusion on my credit report constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have already contacted the companies associated with these accounts and inquiries and confirmed that these actions were taken without proper verification or original documentation. Therefore, the reported items are factually inaccurate and appear to result from fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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