vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-30 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:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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 XXXXXX/XX/year> ] VIA CERTIFIED MAIL Capital One Bank 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 RE : CEASE AND DESIST DEMAND FOR INACCURATE CREDIT REPORTING To Whom It May Concern, I, XXXX XXXX, am formally requesting that Capital One and Discover immediately cease and desist from reporting or continuing to report false and inaccurate information related to my credit profile.

It has come to my attention that both institutions are furnishing false, misleading, or unverifiable information to one or more consumer credit reporting agencies. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy and integrity of information supplied to credit bureaus.

The inaccurate reporting includes but is not limited to : Accounts that do not belong to me Late payments that are not supported by documentation Failure to properly verify disputed items Continuing to report disputed information as verified without legitimate investigation I demand the following : 1. You immediately cease reporting the inaccurate information.

2. Conduct a full reinvestigation of any disputed account ( s ), as required by the FCRA.

3. Provide written confirmation of the results of the investigation and actions taken.

4. Cease all collection activities relating to the disputed accounts until the investigation is resolved. 

Failure to comply with this request will result in me pursuing all legal remedies available, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible civil litigation under the FCRA for damages, court costs, and attorneys fees.

This is your formal notice. You are expected to comply within 15 calendar days from receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
In XX/XX/year>2024, Wheels Financial Group LLC dba LoanMart, in coordination with its agents XXXX XXXX and others, initiated a repossession of a vehicle that had already been lawfully transferred and titled to a different individual ( my father ). The loan account they claim is tied to the vehicle is in dispute, and no valid or verifiable contract or loan disclosures under the Truth in Lending Act ( TILA ) were ever provided. Despite multiple requests for verification, no signed contract or lawful disclosure statement has been produced by LoanMart or its affiliates. 

From XX/XX/scrub> 2024 to present, I ( the complainant ) initiated a lawful administrative process to resolve the matter and served multiple legal notices demanding verification, including a Conditional Acceptance, Notice of Default, and Affidavit of Truth. All notices went unrebutted.

Instead of resolving the matter, LoanMart proceeded to file court pleadings that falsely named me as a party and submitted a Proposed Order containing forged content, including my name and implied signature, without my consent. This is now being escalated as potential forgery and fraud. I gave the company and its attorneys three days to settle, but they ignored all demands in bad faith. 

As a result of their ongoing misconduct, I have suffered. Financial harm due to loss of property and legal fees, Emotional XXXX  confirmed by a licensed physician, Prescription medications and medical documentation ( XXXX, XXXX ) due to XXXX, short-term XXXX leave. 

Additionally, I have evidence that LoanMart operates as a " service provider '' under XXXX XXXXXXXX XXXX XXXX XXXX  ), a XXXX and FDIC-insured bank . I have reason to believe that XXXX is the true lender and that they are failing to oversee or correct the misconduct of their agent, LoanMart. 

I am now submitting this to the CFPB because the company continues to : Refuse verification of the alleged debt, Commit possible fraud, forgery, and unfair lending practices, Use deceptive and harassing legal tactics, and Cause escalating financial, emotional, and reputational harm. 

I am requesting that the CFPB investigate these practices and require the company to Cease and desist all wrongful actions, Compensate for actual damages, and Provide full account and contract disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
Hello, coud do me a favor and remve some of the stuff off of my file. The information which I wold like to have remvd is in the report which u received. I am the victim of identity theft, and I absolutly did not mke the charge. I desperatly need thse remved to have my credit report corrcted. I have already rerted the identity theft to the Federal Trade Commission and forwarded to them copies of their Identity Theft Affidavit.

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 2025-06-30 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: OH

Complaint narrative:
Hello, coud do me a favor and remve some of the stuff off of my file. The information which I wold like to have remvd is in the report which u received. I am the victim of identity theft, and I absolutly did not mke the charge. I desperatly need thse remved to have my credit report corrcted. I have already rerted the identity theft to the Federal Trade Commission and forwarded to them copies of their Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
The Issue concern XXXX XXXX  which change to New Rez and then my account was tranfer Shellpoint Mortgage XXXX XXXX XXXX. 

XXXX  account # XXXX old SHELLPOINT  # XXXX new These companies have charged fees without notification by way oftheir in house foreclosures attornies without submitting court documents on multiple occasions. Even after being Paid to Ballon the amount due. See attached docs with prooplf of payment. 

I would like the fees removed and my estate deem released

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity.

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theft without my authorization or any signed contract must be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request.

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LIVE OAK BANCSHARES, INC.
State: VA

Complaint narrative:
Set up account linkage for an external account on XX/XX/year> using the portal that requires valid credentials. The next day I received a request for a statement from the external account, however the external account is new, opened XX/XX/year>, so no statement is available. This was conveyed XX/XX/year>. On XX/XX/year>, received a call and discussed sending an account verification letter. A request was made to the external bank, but because the account is new, they informed me that letter could not be generated but the requesting bank could send a letter and they would sign to confirm. Shortly after, I received an email that the account could not be linked. Live Oak Bank acts like the money on deposit belongs to them and can dictate how and where it can be moved. The same scrutiny was not applied when the funds came into LOB, so they ought to rename to XXXX, because they're nothing but a bunch of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this credit inquiry, nor did I initiate any credit application with the company in question. Under the Fair Credit Reporting Act ( FCRA ), inquiries must be based on a permissible purpose and with the consumers explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 2025-07-01 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-30 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: NV

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, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report four fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a lease account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief