vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: EdFinancial Services
State: OH

Complaint narrative:
Dear Credit Bureau Compliance Department, I, XXXX XXXX, am the victim of identity theft. I am writing to formally dispute multiple fraudulent student loan accounts that appear on my credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act, I demand the immediate and permanent deletion of these fraudulent accounts. 

Fraudulent Accounts in Dispute : EDFINANCIAL multiple fraudulent federal student loan accounts ( see attached FTC Identity Theft Report, Case No. XXXX, and supporting documentation ). 

I have never applied for or authorized these loans. These debts are the result of identity theft, as documented in my official FTC Identity Theft Report dated XX/XX/XXXXXXXX. Under 15 U.S.C. 1681c-2 ( a ), you are required to block fraudulent information from my credit file within 4 business days of receiving proof of identity theft.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know ( or should know ) is inaccurate. Continued reporting of these accounts constitutes willful noncompliance and subjects both the bureaus and furnishers to liability under 15 U.SXXXXC. 1681n ( willful violations ) and 1681o ( negligent violations ). 

Federal courts have affirmed this obligation. In XXXX v. XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX  v. XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts made clear that credit bureaus must delete fraudulent or inaccurate accounts when provided with an Identity Theft Report. Merely updating or marking the account disputed is not sufficient when fraud is established. 

My Demands : 1.Permanently delete all EDFINANCIAL student loan accounts related to this identity theft.

2.Remove any associated fraudulent credit inquiries ( including XXXX, XXXX, or others ).

3.Provide me with updated copies of my credit reports showing deletion within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to comply will result in me pursuing all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office, as well as seeking damages in civil court. 

Enclosed are copies of : My FTC Identity Theft Report ( # XXXX ). 
Documentation showing fraudulent EDFINANCIAL accounts.

Government-issued ID and proof of residence.

This letter serves as my formal and final request for deletion. Please investigate, comply with the law, and confirm in writing that the fraudulent accounts have been permanently removed. Respectfully XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I leased a vehicle from XXXX, paid all the payments and surrendered the vehicle on XX/XX/XXXX, paid the disposition fee {$390.00} and final payment. 
During the term of the lease, on XX/XX/XXXX, I contacted the dealer and requested a review of the premature tire wear for the miles. Dealership declined to prorate the tire wear and tires would need to be replaced soon. 
On XX/XX/XXXX I purchased four tires from XXXX, the same brand XXXX and size XXXX as was on the vehicle. They were installed on or about XX/XX/XXXX, at a cost of {$640.00}. 
On XX/XX/XXXX I received a statement from GM wanting {$1400.00} for repairs and replacement of the tires. I submitted a letter XX/XX/XXXX in response and paid {$530.00} to GM disputing the remaining bill. I also the inspection report dated XX/XX/XXXX from GM. The report identified the issues and the tires were the main concern. They identified the mismatched - speed rating I had to research this to understand further. They want me to purchase tires they allegedly on the vehicle at their cost {$940.00}. I had just purchased tires of poor quality and do not see me purchasing again. 
They have decided to report tho the credit bureaus that Im now 90+ days late on the lease and did not close the lease out. They have punished me beyond the scope of the issue, a dispute over tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I experienced repeated fraud attempts on my Relay Financial XXXX XXXX  account, beginning in XX/XX/scrub> 2025. While several unauthorized transactions were refunded, two charges from XX/XX/XXXX ( {$77.00} ) and XX/XX/XXXX ( {$43.00} ), totaling {$120.00}, were denied. Relay and XXXX claim the dispute was filed outside of the required timeframe, but at no point was such a timeframe ever disclosed to me, nor has the company provided evidence of when or how it was communicated. Even in their official response to the CFPB, this timeframe was never identified. 

Importantly, I never received a fraud alert for these charges, making it impossible to dispute them on time. Since opening the account, I have experienced fraud attempts every single month, including in XX/XX/year>2025, even after my card had been canceled and I had no active card in my possession. This proves that the issue is not limited to a card, but that my entire account remains compromised. 

All other fraudulent transactions were refunded except this one, which is inconsistent and unfair. The company has also failed to explain how it will protect my account going forward. This matter remains unresolved, my funds remain at risk, and the refusal to return the {$120.00} has no valid foundation. 

Relay and XXXX denied the refund stating my dispute was outside of the required timeframe. However, in their official response to the CFPB they only referenced a timeframe, but never identified what that timeframe actually is, nor did they provide evidence of when or how it was communicated to me. Despite my repeated requests, no such disclosure has ever been made. Denying my refund based on a requirement that was never explained is unfair and deceptive.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2025-09-05 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-05 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:
Transunion has has reported illegal things without my consent to different compainies

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 2025-09-05 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$830.00} - Remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} I am demanding the immediate reinvestigation of the above-referenced account, which you have inaccurately reported as a charge-off. This reporting is false, incomplete, and unverifiable, and therefore in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Grounds for Dispute ( FCRA 611 ) : 1. The account is listed as a charge-off without proper substantiation, making the entry inaccurate and misleading. 2. You are legally required to conduct a reasonable reinvestigation within 30 days. 3. I demand documented evidence, including the original signed agreement and a complete, itemized accounting of the alleged debt. 4. If you can not fully substantiate the accuracy of this charge-off with verifiable documentation, the item must be immediately deleted from my credit file. Additionally, in light of the XX/XX/2025 Credit Bureaus data breach that exposed the information of over XXXX XXXX XXXX, the importance of accuracy and security in credit reporting is paramount. Allowing unverified or inaccurate charge-off entries to remain on my file recklessly increases the risk of financial harm, identity theft, and further misuse of personal information.

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 2025-09-05 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continues to incorrectly report a late payment on my mortgage. 
XXXX refused to have her manager call me or pass a message to her manager asking the same. This is against company policy. 
Wells Fargo has failed to produce any evidence that they called me despite repeated requests.

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase took {$97.00} out of my checking account for a safe deposit box I never authorized. It was an up front payment for the up coming year. When I saw the deduction I immediately cancelled the box. The bank manager said since the charged me they would not refund me the money and also I could not have access to the box anymore. I consider this theft from my account.

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

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 explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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

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 explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> To : Credit Bureau Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear Credit Bureau This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ). 
I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) # # # Disputed Accounts : 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 These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. 
Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
You have 30 days to complete this reinvestigation and provide a response, as required by law. 
Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : ( Copy of Drivers License, Social Security Card, Proof of Address,

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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