vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: SECURITY FINANCE CORP
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2025-05-17 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: Marlette Funding, LLC
State: TX

Complaint narrative:
b'FROM THE DESK OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXSubject: Second Notice  Dispute of Fraudulent Account (XXXX XXXX)\nDear XXXX,\nThis letter serves as my second formal dispute of a fraudulent account listed on my credit report. I initially contacted your office on XXXX XXXX XXXX, and the matter remains unresolved.\nThe account in question is listed under:\nCreditor Name: XXXX XXXXnDate Opened: XXXX XXXXXXXXHigh Balance: $XXXX affirm that this account is fraudulent and was opened without my knowledge or authorization. I have never applied for nor maintained any relationship with XXXX XXXX, and I believe this account is the result of identity theft.\nAs part of my dispute, I am enclosing the following documentation again for your review:\nA copy of my government-issued ID\n\n\nA recent utility bill to confirm my current address\n\n\nA police report or FTC Identity Theft report documenting the fraud\n\n\nUnder the Fair Credit Reporting Act (FCRA), you are legally required to investigate and remove any inaccurate or fraudulent information from my credit file within 30 days. I also request that you provide a written summary of your investigation results upon completion.\nIf this fraudulent account continues to appear on my credit report after this second dispute, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). I will also consider legal action to protect my credit rights.\nThank you for your immediate attention to this serious matter.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

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 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the charge-off status of a auto loan account number [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] with Ally Financial Auto . This account was reported as a charge-off on. 

I am disputing this charge-off due to the following inaccuracies and issues : Incorrect Address for Delivery from Plaintiff : I have reason to believe that any communication or legal notices related to this account and the charge-off were sent to an incorrect address by Ally Financial Auto [ XXXX, XXXX & XXXX, XXXX XXXX XXXX This incorrect address is. I resided at XXXX XXXX XXXX XXXX XXXX, MI XXXX, during the relevant period, and the misdirected communication has hindered my ability to address this matter appropriately and in a timely manner. 

Lack of 1099-C Documentation : Despite the charge-off of this debt, I have not received the required IRS Form 1099-C, Cancellation of Debt, from Ally Financial Auto and Roosen, XXXX XXXX XXXX, XXXX. This document is crucial for tax purposes following a debt cancellation, and its absence suggests a potential issue with the charge-off process or reporting. 

I request that the CFPB investigate these discrepancies. The incorrect address used by Ally Financial Auto and XXXX, XXXX XXXX XXXX, XXXX indicates a potential failure in their communication procedures, and the lack of a 1099-C form raises concerns about the proper handling and reporting of this charged-off account.

I am requesting the CFPB to intervene to ensure that Ally Financial Auto reviews their records regarding the address used for communication on this account and provides the necessary 1099-C documentation. If the charge-off was based on inaccurate information or improper procedures, I request that Ally Financial Auto correct their records and notify the credit reporting agencies to remove this negative item from my credit report. 

To support my complaint, I have enclosed copies of the following documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Thank you for your time and assistance in resolving this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lyon Collection Services, Inc
State: CT

Complaint narrative:
I am the victim of targeted identity theft and financial fraud involving two fraudulent business accounts created in my name or connected to my personal information without my knowledge or authorization. 

The first fraudulent business was created under the name XXXX XXXX XXXX, which I never established or authorized. Despite having no affiliation with this business, I received physical and email debt collection notices from Lyon Collection Services , Inc. regarding an XXXX payroll account that I never opened. This account resulted in collection Claim No. XXXX. At the time, I took steps to report this incident, and I believed it was resolved. 

However, I am now receiving a second collection notice from the same agency ( Lyon Collection Services ) regarding another fraudulent XXXX account under the name XXXX XXXX XXXX a legitimate business I am in the process of establishing but have not yet launched or activated financially. I never opened an XXXX account for XXXX XXXX XXXX nor did I authorize any payroll or invoicing services through XXXX. 

It appears that someone gained access to my personal or business information and has fraudulently opened multiple accounts with XXXX, which were then forwarded to Lyon Collection Services for debt collection. This ongoing pattern shows that Lyon and XXXX are being used to repeatedly target me through identity abuse, and I now fear this is part of a larger scheme of digital harassment and financial manipulation. 

I have never signed or agreed to any of the invoices listed in the collection letters. I have advisors and official contacts who assist with managing my business development, and no authorized transactions were made for these services. 

This has caused ongoing stress, reputational damage, and threats to my financial well-being. I am formally requesting protection, investigation, and the removal of all fraudulent records tied to these XXXX and Lyon Collection Services accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 recently viewed a copy of my credit report and I did notice several inaccuracies and unauthorized accounts information reporting to my credit report. These inaccurate remarks have affected my life and the health of my credit detrimentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently viewed a copy of my credit report and I did notice several inaccuracies and unauthorized accounts information reporting to my credit report. These inaccurate remarks have affected my life and the health of my credit detrimentally.

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 2025-05-16 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 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 XXXX formally request the removal of fraudulent items from my credit file. I am a victim of identity theft XXXX did not authorize the accounts or inquiries listed in the attached document. I have reported the theft XXXX the Federal Trade Commission XXXX have included a copy of the report. 
Please block XXXX delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
I am writing XXXX formally request the removal of fraudulent items from my credit file. I am a victim of identity theft XXXX did not authorize the accounts or inquiries listed in the attached document. I have reported the theft XXXX the Federal Trade Commission XXXX  have included a copy of the report. 
Please block XXXX delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-05-16 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 was reviewing my credit report and noticed fraudulent accounts that hinder my ability to obtain credit. Please, i need you to look into this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed fraudulent accounts that hinder my ability to obtain credit. Please, i need you to look into this

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 2025-05-17 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: IL

Complaint narrative:
What happened : A credit account is opened fraudulently on my credit profile. 
Name : XXXX XXXX XXXX XXXX XXXX SSN : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7600.00} under # XXXX. This account has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 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 am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX : Urgent Request for Payment Date Adjustment and Resolution Support Dear XXXX XXXX I am reaching out because I feel increasingly overwhelmed and harassed by the constant emails threatening repossession, despite my ongoing efforts to make payments on my account. 

I want to make it very clear that I am not avoiding my responsibilitiesI am doing my best to pay what I can, even if it means making partial payments rather than skipping them entirely. However, I get paid only twice a month, on the XXXX and XXXX. Because of this, I respectfully request to have my payment due date changed to the XXXX of each month so I can better align my payments with my income. 

I have tried multiple times to explain my situation and ask for a reasonable solution or payment arrangement, but I have not received any real support or flexibility. I am willing to work with XXXX XXXX  and remain committed to paying down my balance, but I need a workable plan that reflects my actual financial situation. 

Please consider this a formal request for a due date change and for assistance in setting up a manageable payment arrangement. I hope to resolve this matter without further stress or fear of repossession. 

Thank you for your understanding. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
Checking my credit report I found an account that doesn't belong to me

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