vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-09 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: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: KS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered unauthorized activity involving my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX  Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-09 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: LA

Complaint narrative:
XXXX XXXX is reporting a charged-off account with inconsistent delinquency records and an unverifiable balance. The payment sequence and status history do not match the contractual terms. 

I have disputed this multiple times, and Experian refuses to remove the account despite failure to provide full validation. I am demanding deletion or full legal proof of every charge, payment, and term. If not resolved, I will file suit under FCRA 611 and 623.

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 2025-05-09 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: LA

Complaint narrative:
XXXX XXXX is reporting a charged-off account with inconsistent delinquency records and an unverifiable balance. The payment sequence and status history do not match the contractual terms. 

I have disputed this multiple times, and XXXX  refuses to remove the account despite failure to provide full validation. I am demanding deletion or full legal proof of every charge, payment, and term. If not resolved, I will file suit under FCRA 611 and 623.

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 2025-05-09 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: LA

Complaint narrative:
XXXX XXXX is reporting a charged-off account with inconsistent delinquency records and an unverifiable balance. The payment sequence and status history do not match the contractual terms. 

I have disputed this multiple times, and XXXX  refuses to remove the account despite failure to provide full validation. I am demanding deletion or full legal proof of every charge, payment, and term. If not resolved, I will file suit under FCRA 611 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Kingston Data & Credit International Inc.
State: MI

Complaint narrative:
Date Reported to XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account Number : XXXXXXXX XXXX XXXX  Action Taken : Opt-Out Letter sent on XX/XX/year> Balance : {$700.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control how my personal information is collected, used, and shared. According to XXXX XXXX own privacy policy, I have the right to opt out of the sharing of my personal information with affiliates, service providers, and third parties. I exercised this right by sending a formal opt-out notice on XX/XX/year>. Despite this, XXXX XXXX  continued to share and report information related to account XXXXXXXX XXXX XXXX, including to Kingston Data and Credit International Inc., without my consent. 
Because this account is being reported as an adverse item, and XXXX XXXX has continued reporting it after my opt-out request, it constitutes inaccurate reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to ensure maximum possible accuracy and to limit report sharing only to permissible purposes ( 15 U.S.C. 1681e ). XXXX XXXX  failure to honor their privacy policy and my right to opt out violates both their stated terms and my rights under federal law. I am requesting that this item be investigated, that any unauthorized reporting or sharing cease immediately, and that the item be removed from my credit file if found to be inaccurate or improperly shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a purchase XX/XX/year> for {$990.00}. I choose paypal because of buyer protection. The purchase was to XXXX  who operates a website where i purchased coins to use on the site. A law was made in NY state and zula no longer allows me to use sweeps coins do to New York state law so I showed proof of this to paypal along with a law suit against XXXX for violating the rico act  along with new york state laws and pay pal said there was no error with the transaction. I appealed and got the same response from pay pal. The problem is not a error with the purchase it is the fact they closed down opporating sweeps in New york and I was not able to use my purchase there for all funds need to be returned. At this point I'm reaching out to cfpb to step and see if pay pal can be held responsible for not handing this correctly. I refused to let this XXXX  steal from me and have pay pal allow it with the proof I have submitted in the case. I also enclosed a suit filed against XXXX  for the scam and illegal activities they did in new york. It would be a crime for pay pal to allow them to keep that {$990.00} with the documents I have provided. I punched coins they then told me I can not use any longer there for my money needs to be returned. XXXX is being sued for deceptive practice and many other violations. The fact they purchase was used to play on the site and they then told me I could not use the purchase as they are no longer offering the sweeps in NY it is clear I did not get to access my purchase and I should win a chaegeback and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am sending to formally dispute the repossession record on my credit report pertaining to the vehicle, which was financed through your institution under account number XXXX XXXX XXXX XXXX XXXX I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report. 

As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to [ applicable state law or relevant section of the FDCPA/UCC ] , it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession.

Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC.

In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am sending to formally dispute the repossession record on my credit report pertaining to the vehicle, which was financed through your institution under account number XXXX XXXX XXXX XXXX XXXX I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report. 

As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to [ applicable state law or relevant section of the FDCPA/UCC ] , it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession.

Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC.

In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies.

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 2025-05-09 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: PA

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

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 2025-05-09 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX ALLY FINANCIAL In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract with XXXX  they did not provide me with the original contract as I requested

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 2025-05-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
DISPUTE & COMPLAINT LETTER UNAUTHORIZED INQUIRIES DUE TO SUSPECTED DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion / XXXX ( Also valid for submission to the FTC and CFPB ) RE : Formal Dispute and Complaint Unauthorized Credit Inquiries Resulting from Suspected Identity Theft and Data Breach To Whom It May Concern, I am writing to formally dispute and report multiple unauthorized hard inquiries that have appeared on my credit file. Between XX/XX/XXXX and XX/XX/XXXX, over XXXX inquiries were conducted by lenders and financial institutions that I did not authorize or engage with. 

As a resident of XXXX, I suspect these unauthorized inquiries may be related to the City of Philadelphia Data Breach that occurred from XX/XX/XXXX to XX/XX/XXXX. This incident, publicly confirmed by city officials, involved unauthorized access to city email accounts containing private information including Social Security numbers, drivers license details, and financial data. I have strong reason to believe that my identity was compromised as a result. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), no entity may access a consumer 's credit file without explicit consent and a permissible purpose. Therefore, under 15 U.S.C. 1681i, I am requesting a formal investigation into each of the following inquiries. If any entity can not provide verifiable proof of my signed authorization, I request that the inquiry be permanently removed from my credit report. 

INQUIRIES TO INVESTIGATE AND REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 / XXXX XXXX XXXX XXXX XXXX XXXX REQUESTED ACTIONS : Conduct a full investigation of the listed inquiries Permanently remove all inquiries lacking proof of consent Provide me with a written explanation of your findings Issue an updated copy of my credit report reflecting corrections If this matter is not resolved within 30 days, I will proceed with formal complaints through the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) using this documentation. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried to make a payment on my capital one credit card, and I accidentally used the wrong card, because it defaults to a checking account that I dont use as much ( my direct deposit for my paychecks doesnt go to that account ). I realized this and as soon as I could fix it, I made the payment 2 days later on XX/XX/XXXX with my capital one checking account. This has happened a few times, it defaults to that checking account and sometimes I forget to change it to my new checking account. A few days later, I realized my card said that it was restricted with no further details. So I thought maybe it was because the payment was still processing, but it didnt go away ( my balance did go down, and the payment went through ). I called tonight and they told me that my card was automatically closed because of fraud detection and when I asked for more details, they said it was because of the issue I previously described. They said it happened 3 times and called it excessive returned payments. I feel wronged because it was an honest mistake and when it happened I immediately fixed it. Sometimes their app is glitchy and I have to restart the payment, but it always defaults to the checking account that I no longer use ( thats my addition financial account which Ive used since I was in high school, but I recently switched to capital one because addition doesnt allow for XXXX XXXX, and XXXX has since deprecated their app ). They said theres no way to reopen the account, and I feel its unfair because I always corrected this mistake, which was sometimes due to their own app being unresponsive, and now Im being penalized on my credit score. Theres no appeals and i feel helpless to this huge bank.

Company response to consumer: Closed with non-monetary relief