vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle through XXXX XXXX XXXX in XXXX, California, with financing provided by United Auto Credit. I recently discovered that the dealership may have submitted falsified financial documents ( such as fabricated bank statements or income records ) without my knowledge or consent to secure the loan. 

This came to my attention after I reviewed my own records and noticed material discrepancies. I did not provide any bank statements or authorize anyone to submit financial documents on my behalf. I believe this constitutes serious misconduct and possible loan application fraud. 

Since XX/XX/XXXX, I have made multiple written and verbal requests to United Auto Credit asking for the full loan file and any documentation submitted by the dealership. I was told they would only provide the signed contract. Initially, they sent me a Spanish-language contract, even though the transaction was entirely conducted in XXXX and I do not speak XXXX. This appears to violate California Civil Code 1632, which requires contract language to match the language in which negotiations were conducted.

Eventually, I was sent an English-language version of the contract, but it contains only an electronic signature, and I was not provided any supporting documents submitted with the loan application ( bank statements, pay stubs, etc. ), which I have explicitly requested. 

I am requesting that the CFPB investigate the following : Whether fraudulent or unauthorized documents were used to originate this loan. 

Whether United Auto Credit and/or the dealership violated federal or state consumer protection laws by failing to provide full documentation and by presenting a Spanish-language contract in an English transaction. 

Whether any adverse credit actions ( including reporting or repossession ) can be paused during this investigation. 

I am prepared to submit my actual financial records to demonstrate that the documents on file may be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
I was reviewing my credit report and noticed theses inquiries that do not belong to me and were not authorized as such should be removed immediately XXXXXXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX XXXX. Date of inquiry : XX/XX/year> XXXX Card Services Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX bank Date of inquiry : XX/XX/year>

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 2025-04-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-08 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CO

Complaint narrative:
XXXX XXXX has an account in my name and refused to show me the approval letter from my XXXX XXXXXXXX trussee. All credit reporting agencies have one. But they don't

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 2025-04-08 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: CO

Complaint narrative:
XXXX XXXX has an account in my name and refused to show me the approval letter from my XXXX  XXXX trussee. All credit reporting agencies have one. But they don't

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 2025-04-08 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-09 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: WA

Complaint narrative:
I recently reviewed my credit report and noticed some fraudulant accounts which are hurting my score.

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 2025-04-08 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX  XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a offer from Capital One via email notifying me I may apply for a credit card with no impact to my credit score. I applied was approved and then received hard inquiry reported on my credit score which then reduced score by XXXX points. The email is deceptive and falsy advertised there would be no impact to credit score. As the representatives stated impact to credit if continue with applying for credit card and being approved. This information was not specified anywhere in the email I was sent. I have retained the email as proof of what it specifically states in bold letters NO Impact to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
Student loans were disputed and removed by Experian. On XX/XX/year> & XX/XX/year> notifications sent from Experian stated I had opened disputes. I never opened these disputes on these dates. Soon after opening disputes Experian updated also on these dates. Although I had sent my Identity Theft Report indicating all the student loans as outlined on my report to be blocked, Experian has reinserted the student loans back onto my credit report. Experian also utilized identity theft methods as I didn't open the disputes. This is their method for reinserting the accounts. 
FCRA prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a customer 's credit report. Experian failed to send me written notification within XXXX business days and provide contact information for the companies that furnished the information. I spoke with XXXX ( Experian XXXX XXXX. ) on today, asked her who opened the disputes as I had not opened these on these dates. She tried to get me to agree to open disputes which I refused each time she tried to get my permission. She stated the companies responded on XX/XX/year> and refused to provide verification. 
Experian placed a block and deleted accounts and then tried to pressure me into sending additional police reports, stating my request was incomplete, I stated my Identity Theft Report within itself is a law enforcement report. Experian has no legal basis for resending the block and reinstating information per law. Under the FCRA 15 U.S.C.1681, Experian is legally required to report only accurate and verifiable information. The fact that all these disputes have been done without my permission, Experian has also committed identity theft. Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C.1681i ( a ) ( 5 ) ( 4 ).

Since the executive order issued by President Trump to abolish the U.S. Department of Education the legitimacy. ownership and enforceability of student loan debts are very questionable. The dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership and collection rights of these loans. 
Experian is conducting sham investigations and violations of the law, this is a prime example of such. 
My attached credit reports indicate the removal and reinsertion of the student loans. The attached notifications from Experian show dates disputes opened and how quickly they were updated the same or next day.

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 2025-04-08 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) ( a ) 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. 

Delete the accounts * XXXX XXXX XXXX : XX/XX/year> * XXXX XXXX  : XX/XX/year> * XXXX XXXX XXXXXXXX : XX/XX/year>

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-04-08 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: AL

Complaint narrative:
In efforts to previously remove this charge off that is to old to be listed on my credit file. I wanted to point out additional discrepancies that Experian seem to have overlooked before allowing this to be on my credit file. I am keep copies of all records in case it never gets removed and I have to get my attorney involved. 
This account was allegedly first reported in XX/XX/XXXX and here it is XX/XX/XXXX. 
It has already cause significant damage being on my report Secondly, this company violated the FCRA by adding CHARGE OFF notations every month instead of marking it as NOT CURRENT that is a violation of the FCRA and the FDCPA. A charge off is a 1 time event.

This is considered re-aging FCRA 623 ( A ) ( 1 ) ( A ) requires accurate reporting of information.

FCRA 607 ( b ) : Bureaus must follow reasonable procedures to assure maximum possible accuracy. 

Last payment date is reported for XX/XX/XXXX. But a charge off is reported in my payment history for XX/XX/XXXX VIOLATION!!! 

Saying Im past due as of XX/XX/XXXX is illegal under the FCRA being that this debt is old. 
This tactic falsely re-ages the debt to make it appear more recent and damaging to your credit profile, which is not allowed under federal law. 

The phrase Account status XXXX appears to be an internal or technical code used by the credit reporting system to indicate that the account does not meet a specific criterion

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 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX has closed my account after I provided them documents that verify my identity and ownership of checking accounts used to make deposits. 

There is currently {$3100.00} in my account that I can not withdraw or access. 

At this point in time I would like to receive these funds to my XXXX XXXX checking account.

Company response to consumer: Closed with explanation