vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I am a victim of identity theft and fraud involving a loan taken out in my name without my consent. I have filed a police report and reported the issue to the FTC. 

The credit bureaus ( XXXX XXXX XXXX XXXX ) have all removed this fraudulent loan from my credit report after my dispute and investigation. 

However, the lender continues to falsely claim that the loan still appears on the credit reports, which is untrue. 

Additionally, the lender refuses in writing to remove the lien they placed on my vehicles title, despite the loan being fraudulent and deleted from all credit reports. 

This refusal to remove the lien is preventing me from having clear ownership of my vehicle and is causing significant hardship. 

I have included screenshots from the credit reporting agencies showing the loans removal, as well as copies of my police report and FTC identity theft report. 

I am requesting that the CFPB intervene to ensure the lender removes the lien from my vehicles title and acknowledges the fraudulent nature of the loan. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), a lender must provide accurate information to credit reporting agencies and can not continue to report or enforce fraudulent loans. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), once a lienholder issues a written lien release, it must be submitted to the XXXX without any contingencies or conditions. The XXXX relies on this release to clear the lien from the vehicle title. Any attempt by the lender to add contingencies to this release is unlawful and obstructs clear ownership rights. 

The lender is knowingly providing false information by claiming the fraudulent loan still appears on credit reports, despite evidence from all three major credit bureaus confirming its removal. 

Law enforcement and state regulatory agencies, including the police department where the identity theft was reported and the Federal Trade Commission ( FTC ), are actively involved in investigating this matter. 

This refusal to issue an unconditional lien release is not only illegal but also causes me significant financial and legal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: 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 explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file for XXXX XXXX XXXX ending in XXXX. Specifically, I have been reported as late on a payment when, in fact, I was never late. This reporting is not only incorrect but may also be in violation of federal law, including 15 U.S. Code 1666b ( regarding the timing of payments ) and 15 U.S. Code 1637a ( governing terms of credit card accounts ).

I request that this inaccurate information be investigated and corrected promptly in accordance with the Fair Credit Reporting Act and applicable federal statutes

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 2025-07-19 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: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: TN

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.

15 U.S.C 1681 section 602 A. 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 XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX {$2000.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft 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 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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, thank you for inquiries about my case? But you have know ideal what you are saying. I am shocked that you responded. I originally spoke to an Attorney. XXXX XXXX XXXX XXXX. So, listen there is alot of misconduct in Simmons XXXX. There's account under XXXX XXXX XXXX and he is leak to his father XXXX XXXX XXXX XXXX accounts in the state of XXXX, XXXX XXXX XXXX. The account holder is XXXX XXXX XXXX I think you guys butter get it together before some of you lose your jobs, I got names and dates. My family want our inheritance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-18 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
Over the past XXXX  months, my Experian credit report has been subject to over XXXX soft inquiries from an entity labeled XXXX XXXX. I have never authorized XXXX XXXX to access my Experian file in any form. I do not use their services, have not installed their app, and have no account relationship with them. Furthermore, XXXX XXXX only operates with XXXX  and XXXX Experianso any access to my Experian file raises serious legal and procedural red flags. 

Under the Fair Credit Reporting Act ( FCRA ), no company may access a consumers credit file without a permissible purpose or explicit authorization. These inquiries fail both tests. Experian allowed repeated access by a third party that does not have my consent and is not even partnered with them. This reflects a systemic failure to safeguard consumer data and constitutes unauthorized use of a credit file under federal law. 

This is not about score impactthis is about data misuse. I submitted a formal dispute to Experian requesting : 1. Immediate removal of all unauthorized XXXX XXXX inquiries.

2. A written explanation of how this occurred, including what permissible purpose was claimed and what authentication Experian used to justify the access. 

If these entries are not removed and no satisfactory explanation is provided, I will consider pursuing formal action for negligent handling of my consumer file under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the reporting of severe delinquencies ( 90+ days late ) on a closed account listed under SYNCB/Care Credit. This item is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting complete documentation of the alleged delinquencies, including billing statements, payment history, and notification of late payment. Furthermore, I request that the account be removed or updated if proper validation can not be provided. This item does not reflect accurately across all credit bureaus, suggesting a reporting inconsistency that should be resolved.

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 2025-07-18 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: DISCOVER BANK
State: IA

Complaint narrative:
I have a alot of closed accounts and hard inquiries and collections I have no knowledge of I tried disputing it several times its effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I found accounts on my report that do not 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a payroll check from my employer for {$750.00} into my Capital One checking account ( ending in XXXX ) on XX/XX/year>. Shortly after, I received an email stating that due to confidential information Capital One decided to hold the funds until XX/XX/year>. 

This reasoning is vague and troubling because : The check is a payroll check from my verified employer, not a personal check. 
My employer has previously sent direct deposits to this same account without issue. 
I have no history of returned deposits. 
The amount of the check is well below any threshold that would warrant such a hold. 

I contacted Capital One customer service twice and was told there was no one higher to escalate to and that they could not release any of the funds early. I also requested an explanation of the specific reason for the hold and was told only confidential information could not be disclosed to me. 

This delay is causing me financial hardship. I believe Capital Ones handling of this matter is a violation of fair and transparent banking practices under Reg CC, as they have not provided an adequate reason for the extended hold on my funds.

Requested Resolution : Immediate release of the held funds, or at least partial availability.

Full disclosure of the reason for the extended hold under Reg CC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
XXXX'I am filing this complaint because the credit bureaus (Equifax, Experian, and TransUnion) are reporting a collection account from XXXX XXXX XXXX XXXX regarding an alleged debt tied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXOn XXXX XXXX XXXX, I sent XXXX a legally compliant debt validation request under the Fair Debt Collection Practices Act (FDCPA 809). They received the letter via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), which was delivered on XXXX XXXX XXXX to their XXXX, MA office.XXXXDespite proper notice and legal requirement, XXXX has failed to respond within the XXXX-day window, nor have they provided any documentation proving this debt belongs to me. Under both the FDCPA and the Fair Credit Reporting Act (FCRA 611), any debt not validated must be considered disputed and unverifiableand therefore must be removed from credit reporting.\n\nI have also submitted formal disputes to Equifax, Experian, and TransUnion on XXXX XXXX XXXX providing:XXXXMy validation letterXXXXUSPS proof of deliveryXXXXHighlighted credit reportsXXXXYet the item continues to be reported, with no verification provided and no deletion issued. This violates my rights under federal law and is directly harming my credit profile.'

Company response to consumer: Closed with explanation