vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
TRANSUNION AND EQUIFAX continue with their false tactics of verifying accounts an my credit report without the proper documentations regardless no matter how many times I request them to send me the proper documentation they received from the alleged account owner. 

In last summited complain under the number XXXX they both stated XXXX XXXX XXXX verify this account with proper documentations but they are refusing to provide me these documents that can show with my signature that I have any business with XXXX XXXX XXXX XXXX This account was supposedly opened on the XXXX of XX/XX/2025 and for sure I know I have never had any business with XXXX XXXX XXXX. 

What I learned is that Equifax and Transunion sold old of my personal and federal information to this criminal institution under the name of XXXX XXXX XXXX so they can scam me and rip me off. 

Also I have already file a Lawsuit against Transunion and Equifax for these fraudulent tactics and the court have already contacted me about this situation. 

ALSO I HAVE BEEN INCLUDED IN THEIR DATA BREACH LAWSUIT SETTLEMENT were they lack all my information and do this situation a have been victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a verified victim of identity theft resulting from the Equifax data breach. I submitted a full FTC Identity Theft Report ( # XXXX ) and a valid dispute to Equifax, as required by FCRA 605B. I also provided a government-issued photo ID and a bank statement showing my name and current address which fully satisfies identity verification. 

Equifax refused to remove fraudulent information from my credit report and instead requested that I mail a copy of my Social Security card the same sensitive information that was already exposed by their own breach. This is reckless, unnecessary, and directly contradicts the purpose of identity theft protection. 

Despite submitting all documentation, Equifax continues to report : False names Outdated and fraudulent addresses Employers I never worked for Fraudulent and charged-off accounts Hard inquiries I never authorized I am experiencing emotional distress and credit denials, and I believe Equifax is in violation of the following laws : FCRA 605B Failure to block identity theft items in 4 days FCRA 611 Failure to reinvestigate and delete unverifiable data FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 609 Failure to provide method of verification FCRA 616 & 617 Willful and negligent noncompliance Many of the accounts they continue to report are charged off and likely fall under IRS 1099-C cancellation of debt rules. These accounts should not be reflected as open debt. 

Equifax has sent me generic stall letters with no evidence of verification, and continues to report false information not shown on TransUnion or Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent dispute letters to Experian, Equifax, and Transunion regarding incorrect personal information being seen on my report. After the dispute, my information was still NOT fixed to correct the issue. I have submitted my driver 's license, bill, and my birth certificate to these companies and still nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent dispute letters to Experian, Equifax, and Transunion regarding incorrect personal information being seen on my report. After the dispute, my information was still NOT fixed to correct the issue. I have submitted my driver 's license, bill, and my birth certificate to these companies and still nothing

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 2025-05-31 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-05-31 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: NJ

Complaint narrative:
Equifax continues reporting a XXXX  XXXX XXXX account with over XXXX C/O notations after it was paid and closed on XX/XX/year>. The balance is {$0.00}, yet the derogatory marks persist with no accurate remark showing resolution. Prior disputes failed to correct or verify the information. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) : failure to maintain maximum possible accuracy ; 1681i ( a ) : failure to reinvestigate and correct or delete disputed data ; 1681c ( a ) : continued reporting of outdated or misleading derogatory data. 

This is materially misleading and unjust. I request full removal of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
welfago case of fraude, money missisng from accounces over XXXX XXXX XXXX XXXX XXXX, right of checking at the bank mlk,, the teller stole XXXX dollars, then XXXX, missing from the previous account, ,plus bit coins rewards, over XXXX XXXX. missing kept getting tranfred illeglly with out aurthurized, welfago case num XXXX one case num also taxes and tenner, ,missing stimulas missing

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 2025-05-31 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:
Dear [ Equifax / Experian / Transunion ], & CFPB I am writing to request an investigation of the following information on my [ Equifax / Experian / Transunion ] credit report : Dispute : The charge-off/collection account of an obligation with XXXX XXXX XXXX is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/year> til current ] Explanation of my dispute : I am the victim of identity theft, and I did not open this account.

A picture the reporting on my credit report from the [ Equifax / Experian / Transunion ] credit bureau Please let me know if any additional information is necessary to remove the charge-off/collection

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 2025-05-31 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:
Dear [ Equifax / Experian / Transunion ], & CFPB I am writing to request an investigation of the following information on my [ Equifax / Experian / Transunion ] credit report : Dispute : The charge-off/collection account of an obligation with XXXX XXXX XXXX is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/year> til current ] Explanation of my dispute : I am the victim of identity theft, and I did not open this account.

A picture the reporting on my credit report from the [ Equifax / Experian / Transunion ] credit bureau Please let me know if any additional information is necessary to remove the charge-off/collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy. These errors have had a significant negative impact on my life, affecting me in ways that are difficult to fully express. During these challenging times, having these inaccuracies corrected or removed would be not only a great help, but truly a blessing.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hey I am writing to file a formal complaint against Experian and its failure to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 



On XX/XX/year>, I submitted a dispute with experian regarding inaccurate information reported by XXXXXXXX XXXX  XXXX, account # XXXX specifically explaining to them that my account had several mistakes in the way they were reporting it. I couldnt have been more clear and straight forward. 

Despite providing detailed documentation and supporting evidence, the credit bureau responded with a generic conclusion, claiming the account was verified as accurate without demonstrating any reasonable investigation or consideration of the materials I provided. 

VIOLATIONS : According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation to determine EXPERIAN failed to fulfill this requirement, as no meaningful inquiry or follow-up occurred.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 4 ), the consumer reporting agency is required to review and consider all relevant information submitted by the consumer when conducting a reinvestigation. I submitted relevant and supporting documents, which appear to have been ignored or dismissed without adequate review.

Lastly, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted from the consumers file. The item in question remains on my report, despite being unverifiable based on the documentation provided and the credit bureaus lack of substantive reinvestigation.

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION AND EQUIFAX continue with their false tactics of verifying accounts an my credit report without the proper documentations regardless no matter how many times I request them to send me the proper documentation they received from the alleged account owner. 

In last summited complain under the number XXXX they both stated XXXX XXXX XXXX verify this account with proper documentations but they are refusing to provide me these documents that can show with my signature that I have any business with XXXX XXXX XXXX XXXX This account was supposedly opened on the XXXX of XX/XX/2025 and for sure I know I have never had any business with XXXX XXXX XXXX. 

What I learned is that Equifax and Transunion sold old of my personal and federal information to this criminal institution under the name of XXXX XXXX XXXX so they can scam me and rip me off. 

Also I have already file a Lawsuit against Transunion and Equifax for these fraudulent tactics and the court have already contacted me about this situation. 

ALSO I HAVE BEEN INCLUDED IN THEIR DATA BREACH LAWSUIT SETTLEMENT were they lack all my information and do this situation a have been victim of Identity Theft

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: OH

Complaint narrative:
Complainant Name : XXXX XXXX Vehicle : XXXX XXXX XXXX Loan Account Number : XXXX Purchase Date : XX/XX/XXXX Dealer : DriveTime Car Sales Columbus, OH Servicer : XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX : {$19000.00} Total Paid in XXXX  Year : Approx. {$6800.00} Interest Rate : XXXX XXXX XXXX Remaining Balance vs Vehicle Value : ~ {$19000.00} owed on car worth ~ {$8000.00} Statement of Complaint : I am filing this complaint regarding a predatory auto loan issued by DriveTime and serviced by XXXX. I was sold a XXXX XXXX XXXX with approximately XXXX miles for a total financed price of {$21000.00}, including excessive add-on fees ( e.g., {$3500.00} XXXX warranty, {$1000.00} XXXX coverage, {$690.00} XXXX, {$250.00} doc fee, etc. ). 

The loan was financed with no down payment at a XXXX XXXX APR, which I was led to believe was standard. My payments are {$260.00} every XXXX weeks ( $ XXXX ). Despite making over a year of payments, my principal has barely decreased I still owe over {$19000.00}, just {$2200.00} less than the original financed amount. 

Additionally, the current market value of the car is less than {$8000.00}, meaning I am over {$11000.00} upside-down. This feels intentionally predatory and financially devastating. At the time, I was in urgent need of a reliable car and was taken advantage of with an XXXX term, inflated add-ons, and interest so high I will pay over {$41000.00} total for a used car worth a fraction of that. 

I have since attempted to refinance with multiple lenders and credit unions but was denied unless I provided an {$8000.00} down payment. I feel trapped in an unfair contract that offers no realistic exit, with no relief options provided. 



What I Am Requesting : A formal review of the loan terms, interest rate, and total cost compared to vehicle value A principal reduction or interest adjustment to reflect fair-market lending practices Full transparency into how much of each payment has gone toward principal vs. interest Protection from further financial harm due to this predatory arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
I do Not Recognize this address please remove thank you XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2025-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Sallie Mae for predatory and deceptive student loan practices that have caused long-term financial and emotional harm. 

This private loan was taken out when I was XXXX and while my name is on the loan, it was facilitated and co-signed by my mother, who is not a native English speaker. We were not given clear or transparent information about the repayment terms, interest rates, or the long-term burden this loan would place on us. My mother was made to believe it would be easy to pay off, and I, as a young borrower, was not properly educated or guided through the loan process. Sallie Mae approved the loan despite our lack of financial literacy and did not ensure that we both understood what we were agreeing to. Sallie Mae never reached out to me to educate me or even give permission.

Later, while overwhelmed by the burden of this debt, I reached out to Sallie Mae via their online chat to express my mental distress. I asked what would happen to the loan if I XXXX by XXXX Instead of offering support, guidance, or resources, Sallie Mae escalated the situation by dispatching law enforcement to my home for a wellness check. This did not help me and in fact worsened the emotional distress I was experiencing. 

I believe Sallie Mae acted irresponsibly in how this loan was presented and approved, and how they handled my distress. Their practices, in my experience, border on predatory and negligent, and I am requesting an investigation into this matter. I am also interested in joining any legal or class action regarding XXXX XXXX treatment of borrowers and cosigners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I have place XXXX XXXX XXXXXXXX XXXX XXXX XXXX in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] g Also stated : XXXX XXXX. : XXXX Account Type : Auto LoanAccount You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt, the last XXXX of my SSN is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX & XXXX, 2025, I purchased XXXX through Coinbase Inc. with the intention of transferring it to my secure cold storage wallet. At the time of purchase, there was no clear warning or notice that buying XXXX would result in a lock on my account or prevent transfers. I was able to purchase the XXXX  without issue, but once the transaction was complete, I discovered that my account was locked and I was unable to move my XXXX. 

I reached out to the company on XX/XX/year>2025, to request clarification and support regarding this unexpected restriction. I specifically asked for details about the nature of the lock and how long it would last, as I needed to transfer my XRP for security reasons. The only information I received was that the lock would prevent me from transferring my funds for 2 months. This was extremely concerning, as I never would have made the purchase had I known this in advance. 

This lock significantly impacted my ability to secure my digital assets and put them in cold storage as planned. There was no warning or disclosure before purchasing that such a lock would be applied post-purchase.

Company response to consumer: Closed with monetary relief