vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out for your assistance regarding an issue Im facing with XXXXXXXX XXXX that has negatively impacted my credit report. 

In XX/XX/XXXX, I financed a mobile loan through XXXXXXXX XXXX  via XXXX. XXXX and I were both responsible for monthly payments. I was told by XXXX that initial amounts might be incorrect and to just make minimum payments until the system updated. I made lump-sum payments regularly during that period. 

On XX/XX/XXXX, I received an email from XXXX stating more payment was needed. I contacted their customer service and was told to pay {$81.00}, which I did. They also told me any over-payments would be refunded at the end of the XXXX contract. I received confirmation of this payment. 

After returning from a trip to XXXX XXXX, I received XXXX alerts that my XXXX XXXX account was reported delinquent. On XX/XX/XXXX, I spoke to rep ID XXXX and paid another {$39.00} for the next month. I was told to email them to correct the credit report. 

Later, I received a letter claiming my account was past due by {$8.00}. When I called on XX/XX/XXXX at XXXX PM, I was told the account was current and nothing had been reported. Yet, my credit report still shows a XXXX late mark. 

All my efforts to resolve this directly with XXXXXXXX XXXX  have been unsuccessful. Additionally, there is no direct contact information for their credit reporting department. I believe that XXXXXXXX XXXX has provided inconsistent and misleading information regarding my payments. I followed their customer service guidance in good faith and made the required payments. If their representatives gave me incorrect information, they should be held accountableit should not result in damage to my credit history, which has been flawless for XXXX years without a single late payment. 

I would appreciate your help in resolving this issue, including any steps we can take to compel XXXXXXXX XXXX to correct the inaccurate reporting. 
Please let me know how we can proceed and what documents you need from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
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 2025-07-14 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I called the company pertaining to an issue regarding predatory fees that I have been charged since XX/XX/year> with no prior notice. During that call I discovered there was a second account associated with my SSN that the account manager says was closed due to identity theft. However, the company never contacted me to let me know my personal information was compromised through their company so that I can take precautionary measures to protect myself. Also, I had to speak with the fraud department pertaining to this account and the account manager denied it stating I can not speak to them since it was already closed and marked as identity theft. However, my personal information is still compromised and they are refusing to speak to me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone got my information and deposited funds/ closed my account

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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/year>, I went to the gym at the XXXX XXXX located at XXXX XXXX XXXX in XXXXXXXX XXXX While I was inside, my car was broken into, and my purse was stolen. The purse contained my credit card, Social Security number, cash, and drivers license. 

I filed a police report regarding the incident. The complaint number is XXXX. 

Since then, I have discovered a balance of {$12000.00} associated with a company called XXXX XXXX XXXX. I believe this may be related to the theft.

Let me know if youd like to add any more details or tailor it for a specific purpose ( e.g. letter to a credit bureau, dispute letter, etc. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is about a XXXX account fraudulently reported on my credit file. I have never opened or authorized this account, and it is covered under my verified FTC Identity Theft Report ( # XXXX ). Despite this, XXXX continues to report this tradeline, violating FCRA 1681c-2, which requires blocking or deletion upon notification of identity theft.

XXXX  only justification is an internal claim that the account was opened in a branch where I held a checking account, and that payments were made from that account. They have failed to produce any original signed application, branch witness logs, or Customer Identification Program ( CIP ) documents required under the Bank Secrecy Act and USA PATRIOT Act ( 31 CFR 1020.220 ) to verify identity at the time of opening. If my identity was compromised, an imposter could have opened or transacted on multiple accounts. 

Furthermore, if XXXX intends to assert this is my account, they must provide the original TILA and Regulation Z disclosures outlining all material terms, including any assignment or securitization notices. They have not done so. This account was also charged off, raising IRS reporting obligations under 26 U.S. Code 6050P. XXXX has not confirmed whether a XXXX099-C was issued, compounding regulatory concerns.

Their continued furnishing of this derogatory information without proper identity verification, original loan documentation, Metro 2-compliant data furnishing, or investigation via e-OSCAR violates FCRA 1681s-2 ( b ) and puts them in potential breach of banking safety standards regulated by the OCC. 

I am requesting that the CFPB compel XXXX to permanently delete this tradeline and ensure full compliance with FCRA, TILA, the Bank Secrecy Act, and all applicable regulatory obligations.

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 2025-07-15 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:
This complaint is about a XXXX account fraudulently reported on my credit file. I have never opened or authorized this account, and it is covered under my verified FTC Identity Theft Report ( # XXXX ). Despite this, XXXX continues to report this tradeline, violating FCRA 1681c-2, which requires blocking or deletion upon notification of identity theft.

JPMCBs only justification is an internal claim that the account was opened in a branch where I held a checking account, and that payments were made from that account. They have failed to produce any original signed application, branch witness logs, or Customer Identification Program ( CIP ) documents required under the Bank Secrecy Act and USA PATRIOT Act ( 31 CFR 1020.220 ) to verify identity at the time of opening. If my identity was compromised, an imposter could have opened or transacted on multiple accounts. 

Furthermore, if XXXX intends to assert this is my account, they must provide the original TILA and Regulation Z disclosures outlining all material terms, including any assignment or securitization notices. They have not done so. This account was also charged off, raising IRS reporting obligations under 26 U.S. Code 6050P. XXXX has not confirmed whether a 1099-C was issued, compounding regulatory concerns.

Their continued furnishing of this derogatory information without proper identity verification, original loan documentation, Metro 2-compliant data furnishing, or investigation via XXXX violates FCRA 1681s-2 ( b ) and puts them in potential breach of banking safety standards regulated by the OCC. 

I am requesting that the CFPB compel XXXX to permanently delete this tradeline and ensure full compliance with FCRA, TILA, the Bank Secrecy Act, and all applicable regulatory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
TransUnion has not started my dispute investigation nor did they act in good faith in responding to my request for confirmation of my dispute letter in a timely manner.

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 2025-07-14 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: MI

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 2025-07-14 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: TX

Complaint narrative:
I am requesting the immediate deletion of a hard inquiry that was added to my credit report without my knowledge or authorization. I did not approve any credit application with the listed entity.

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 2025-07-14 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: AZ

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 2025-07-14 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: AZ

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 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover
State: TX

Complaint narrative:
I am submitting this complaint to dispute an illegal wage garnishment being pursued against me by the law firm Robinson Hoover XXXX XXXX in XXXX XXXX. XXXX ( XXXX XXXX ). 

I am a legal resident of XXXX  and have been since 2022. Under XXXX law, wage garnishment for consumer debts ( such as an auto loan deficiency ) is strictly prohibited except for narrow exceptions like child support, taxes, or federal student loans. This judgment does not fall within any of those exceptions. 

Despite this, Robinson Hoover XXXX XXXX initiated wage garnishment against my employer, XXXX XXXX XXXX XXXX XXXX My wages began to be withheld without my knowledge or consent. I was never personally served with the underlying lawsuit or judgment in XXXX The service was sent to an old address in XXXX where I have not lived since moving to XXXX As a result, I had no notice of the lawsuit and was denied any opportunity to respond or defend myself in court, violating my due process rights. 

My employers corporate headquarters and payroll department are in XXXX, but I live in XXXX and am based in XXXX, XXXX for my work. I have never worked or lived in XXXX  since relocating. 

For over six months I tried to resolve this matter by calling Robinson Hoover XXXX XXXX. Every time I called, a staff member refused to let me speak to an attorney and instead insisted the garnishment was valid. They ignored my repeated explanation that I am a XXXX resident and that XXXX law prohibits garnishment for this type of debt. 

I have now filed a Motion to Quash in the issuing XXXX court contesting jurisdiction and the validity of the garnishment order. 

Despite this, the law firm continues to pursue garnishment in clear violation of XXXX state protections for residents. They are knowingly attempting to collect a debt through wage garnishment that is not legally enforceable here. 

I am requesting that the CFPB investigate this law firms practices for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and take appropriate enforcement action. 

Desired resolution : Cease all wage garnishment. 
Refund all wages improperly withheld. 
Ensure Robinson Hoover XXXX XXXX ceases attempting to garnish wages for consumer debts in violation of XXXX law. 

Thank you for your attention to this complaint. 

Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I am writing to formally dispute fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ) and Section 1681b. I am a victim of identity theft, and the following accounts and inquiries were not initiated or authorized by me. These accounts has been reinserted back on to my credit without my authorization. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) my consumer rights has been violated. If these things are not deleted from my credit report I will seek legal matters utilizing 15 U.S.C. 1681n ( Willful violations ) 15 U.S.C. 1681o ( Negligent violations ). The credit bureaus did not do a proper investigation on verifying the accuracy of these accounts.

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 2025-07-14 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:
I am writing to formally dispute fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ) and Section 1681b. I am a victim of identity theft, and the following accounts and inquiries were not initiated or authorized by me. These accounts has been reinserted back on to my credit without my authorization. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) my consumer rights has been violated. If these things are not deleted from my credit report I will seek legal matters utilizing 15 U.S.C. 1681n ( Willful violations ) 15 U.S.C. 1681o ( Negligent violations ). The credit bureaus did not do a proper investigation on verifying the accuracy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim, they utilized my security number and card, along with other personal identifying information, without my consent, to apply for goods, services, or funds, unfortunately, they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities, and the matter is currently under investigation by the FTC.Unauthorized AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WI

Complaint narrative:
I submitted a detailed dispute to TransUnion on XXXX XXXX XXXX, identifying multiple inaccuracies across personal information, tradelines, and inquiries. The dispute was delivered and signed for on XXXX XXXX XXXX via certified mail by XXXX XXXX. 

TransUnion responded on XXXX XXXX XXXX, but failed to meaningfully address the specific items I disputed. Their response did not include any itemized verification, correction, or supporting documentation. This constitutes a violation of their obligations under 15 U.S.C. 1681i ( a ) and 1681e ( b ) to conduct a reasonable reinvestigation and ensure maximum possible accuracy.

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 2025-07-14 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
15 USC 1681i ( a ) ( 5 ) ( A ). it states any disputed item : that can not be verified must be deleted from the file of the consumer. they have to provide the original documents with my wet " live '' signature. Anything less is legally insufficient under federal law. 
Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation