vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services
State: KY

Complaint narrative:
In XX/XX/year>2025 car caught on fire. Insurance paid. Received letter vehicle paid in full. Then call owed XXXX to finish paying off. Now receiving calls still owe over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} 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
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately. 
Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
My credit card account ending in [ XXXX ] was formally closed in XXXX, and I have written confirmation of its closure. Despite this, the issuer has charged me an annual fee covering the period XX/XX/XXXX through XX/XX/XXXX. 

Since the account was no longer active, this fee is improper, invalid, and in violation of the account closure terms. An issuer can not assess a periodic annual fee on a closed account. 

I am disputing this fee under the Fair Credit Billing Act ( FCBA ). I have already contacted the issuer and requested : Reversal of the improper annual fee in full.

Written confirmation that the account remains closed and no further fees will be assessed.

If this matter is not resolved, I request that the CFPB intervene to ensure the issuer corrects this improper charge and confirms the accounts closed status.

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 2025-08-26 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:
The listed accounts were not authorized by me. Please act according to USC 1681g and delete them from my record within 15 days. Documents are enclosed.

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
They took a payment out of my account without my permission and without it being late. My payments are due on Tuesdays biweekly. I woke up to a payment being taken out of my account without the payment being late, without them ever giving me a chance to pay the payment because it was taken on the due date before the store was ever open. I called and spoke to XXXX at a different location, the XXXX, TX location because XXXX is the only employee out of 2 locations with a brain and that can communicate with me. I ask her why they took money out of my account before it was late, before it was due? the procedure is if I fail to make the payment on the due date, they will draft my account for the payment. I had this happen 1 time in all the years I have been doing business with them. I forgot to make the payment and I woke up the next day to they payment out of my account. But according to XXXX " The new system take the payment on the day it is due before store ever opens '' and I said to her well that didn't happen last week or the week before. She said the system is new and it was not in place before XX/XX/year>. I told her you cant just get in my account without giving me the opportunity to even be late, without telling me the new system will do this. without telling me anything about a new system, that's not right. She stated she removed the auto draft from my account. I said again if I had auto draft they didn't take it 2 weeks ago. I had to hang up with her because I was in the XXXX  with my son while having this conversation and ws unable to continue this conversation. Then at XXXX XXXX  I get a call from XXXX at the XXXX XXXX XXXX location asking if I'm going to make my payment. I told her y'all already dipped in to my account and took it before the store was ever open. She looked at something in the computer and said yes they did. It shows in 1 system but not the other. I told her they better not hit my account again and she assured me they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX for their egregious and unlawful reporting of a fraudulent debt of over {$11000.00} on my credit report. This erroneous debt has severely impacted my ability to secure housing for my family, directly leading to me and my daughter being forced into a family shelter. 

XXXX XXXX acquired The XXXX at XXXX XXXX in XX/XX/XXXX, after my lease ended in XX/XX/XXXX. Despite this, XXXX XXXX falsely claimed I owed them money and, in XX/XX/XXXX, reported this fabricated debt to XXXX, a collection agency. This action was taken without any legitimate basis ; there was no court order or judgment against me, nor any verifiable ledger or explanation provided by XXXX XXXX to substantiate this claim. 

My repeated attempts to resolve this issue with XXXX XXXX, including direct communication and initiating a formal dispute with XXXX on XX/XX/XXXX, have been met with deliberate obstruction and a blatant refusal to engage. XXXX XXXX has acknowledged they possess no internal documentation to legitimize this debt, yet they continue to allow this false information to remain on my credit report. This constitutes a clear violation of the Fair Credit Reporting Act and demonstrates a willful disregard for their legal and ethical obligations. 

XXXX XXXX 's actions are not merely a mistake ; they are a calculated act of bad faith, causing immense hardship and XXXX  to my family. I implore the CFPB to investigate this matter thoroughly and compel XXXX XXXX to rectify this fraudulent report immediately and permanently remove this erroneous debt from my credit history. 

Thank you for your urgent attention to this critical matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, 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
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
1. Credit Card was closed/inactive. 
2. Received Statement w/ Due Date of XXXX XXXX, 2025, Total Balance Due of {$2600.00}. 
3. Paid Total Balance Due of {$2600.00} and mailed payment checks on XX/XX/year>2025.

4. Chase DID NOT post payment until XX/XX/year>2025! ( 14 days after check mailed? ) 5. Wrote Letter to Chase on XX/XX/scrub> 2025 - advised account closed and total outstanding balance was paid in full and requesting removal of late fees/interest.

6. No response to letter sent. However, 7. New Statement for XX/XX/scrub> 2025 received showing credit balance of {$7.00}. Requested refund of {$7.00} on XX/XX/scrub> 2025. Refund should have finalized everything. However, 8. Received Statement for XX/XX/year>2025, charging Late Fee/Interest of {$40.00} ( on an account with no balance ) and deducting the {$7.00} credit - New Balance now {$32.00}?? 
9. Wrote note to Chase on XX/XX/year>2025 and received no response. However, 10. Received Statement for XX/XX/scrub> 2025. Chase added another {$32.00}. Total Now {$64.00}! 
11. Received Statement for XXXX 2025. Chase added another {$41.00}. Total Now {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
To : [ IQ DATA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, ] [ XXXX, WA XXXX ] Re : Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Account under FCRA 605B ( 15 U.S.C. 1681c-2 ) Fraudulent Account : [ IQ DATA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear [ CFPB ] I am writing to formally dispute and request the immediate removal of a fraudulent collection account that has been reported on my credit file. The account referenced above does not belong to me. It was opened fraudulently without my knowledge, authorization, or consent, and as such, must be permanently blocked from my credit report pursuant to federal law. 

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ). As required under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c2 ), I am formally requesting that this fraudulent account be blocked from my credit report and not be reported by any consumer reporting agency.

Pursuant to FCRA 605B, I am providing the following required documentation : A copy of my Identity Theft Report filed with the FTC Proof of my identity ( e.g., government-issued ID and utility bill or bank statement ) A detailed statement that this account is fraudulent, was opened without my knowledge or permission, and is the result of identity theft Federal Law Requires Immediate Action : Under 15 U.S.C. 1681c-2, once you receive this request along with the necessary documentation, you are legally required to block the reporting of this fraudulent account within four ( 4 ) business days. You must also notify any other parties to whom you have furnished this fraudulent information.

Summary of My Dispute : The collection account with account number [ Insert Account Number ] is not mine.

I did not open or authorize this account.

This account resulted from identity theft.

I have taken the appropriate steps by filing a report with the FTC and am invoking my rights under FCRA 605B.

This account must be blocked from all credit reports and no further collection activity should take place.

Requested Action : Immediately block and remove this fraudulent account from my credit file Cease any further reporting or collection activity related to this account Provide written confirmation that the account has been blocked and will not reappear in future reports Please consider this letter as a formal dispute and request for correction under both FCRA 605B and 611. If you fail to act in compliance with federal law, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies if necessary.

I appreciate your prompt attention to this urgent matter. Please respond to my request in writing within the time allowed by law. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've disputed these XXXX particular items XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX several times with Equifax as well as Transunion. They sent me a letter back in XXXX stating if I sent in a copy of my credit report they would remove these items from my credit report. As of now these XXXX items remain on both of my credit reports. I would like these items to be removed. I've attached my credit report to this complaint and asked that these items be removed as soon as possible. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I have notified Equifax that the accounts included in this document are fraudulent and are not associated with me. I have also contacted XXXX regarding these fraudulent accounts and they have removed the fraudulent accounts from my master credit profile. I provided a copy of XXXX findings to Equifax also.

Company response to consumer: Closed with explanation