vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 US 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

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 XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX 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 US 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 explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a lemon law buyback for my leased XXXX BMW XXXX XXXXXXXX. BMW agreed to the buyback on XX/XX/XXXX. On XX/XX/XXXX, I received the XXXX worksheet outlining the financial terms. I immediately raised concerns about a {$4300.00} dealer refund for canceled coverages ( which I had terminated within a month of leasing ). XXXX confirmed the funds were due to me but had already been netted out of the worksheet to prevent double payment. I signed the worksheet later that afternoon. 

The vehicle was returned on XX/XX/XXXX. On XX/XX/XXXX, I asked BMW Financial Services what happened to the {$4300.00} refund. On XX/XX/XXXX, they stated the funds were used toward the buyback payoff. I requested a timestamped ledger showing how the funds were applied. Instead, BMW provided monthly statements and a payment summaryneither of which confirmed attribution or timing of the refund application. 

Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly requested a proper ledger or final invoice showing how the {$4300.00} was used. BMW refused to escalate or provide documentation. On XX/XX/XXXX, I informed them that if no proof was provided by XX/XX/XXXX, I would file a CFPB complaint and pursue a small claims suit. 

I am requesting regulatory review and resolution, including : A timestamped ledger showing how the {$4300.00} was applied A final invoice confirming account closure An explanation for the {$320.00} discrepancy between the refund and applied amount Confirmation that no residual balance remains I have much more documentation that what was attached. Including emails. Please let me know if anything additional is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. regarding a letter dated XX/XX/year>, concerning an alleged account with XXXX XXXX XXXX XXXX ( Double Cash ) in the purported amount of {$2200.00}. Midland claims to own or collect this debt and offers a discounted settlement. 

This letter is defective, misleading, and violates federal law in several respects : XXXX. No Contract / Lack of Novation or Assignment Proof I have never entered into any contract with Midland Credit Management. 
Midland has not produced a valid assignment, bill of sale, or legally binding novation agreement showing that this alleged account was lawfully transferred with all rights and obligations.

Without proof of assignment, Midland is not a creditor under the FCRA and has no standing to collect.

2. Violation of FDCPA ( 15 U.S.C. 1692 et seq. ) 1692e False or Misleading Representations : The letter implies that payment will eliminate the debt, but Midland has not proven it owns or has the right to enforce this debt. This is deceptive.

1692g Validation of Debts : The letter fails to provide required disclosures, including the name and address of the original creditor and the consumers right to dispute within 30 days. Instead, it pressures for payment by a deadline without informing me of my statutory rights.

Overshadowing : The settlement offer with a short deadline overshadows the consumers validation rights.

3. Violation of FCRA ( 15 U.S.C. 1681s-2 ) If Midland is reporting this debt to XXXX XXXX or XXXX it is furnishing information without proof of accuracy, which constitutes furnishing inaccurate information in violation of 1681s-2 ( a ).

By attempting to collect without proper validation, any reporting of this debt would also violate the maximum possible accuracy requirement of FCRA 607 ( b ).

4. Deceptive and Unfair Practices ( UDAAP ) The use of a discount scheme, implying a legitimate obligation exists when Midland has failed to prove ownership, is deceptive under the CFPBs authority to regulate unfair and abusive practices.

Summary of Violations : FDCPA 1692e, 1692g ( false/misleading, overshadowing, failure to validate ).

FCRA 607 ( b ), 623 ( furnishing without accuracy ).

UDAAP deceptive collection tactics.

Failure to provide proof of novation, contract, or lawful assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX, XX/XX/year>, XX/XX/year> ). Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint regarding multiple inaccuracies and fraudulent information on my credit report that have not been corrected. These errors are severely damaging my financial reputation. 

1. Incorrect Public Record / Bankruptcy Filing Equifax is reporting a bankruptcy public record : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX | ( XXXX ) XXXX Bankruptcy Filed : XX/XX/XXXX Case/ID Number : XXXX XXXX : XXXX XXXX on XX/XX/XXXX This bankruptcy record is inaccurate and does not belong to me. I have never filed for bankruptcy. This false public record must be deleted from my credit file immediately. 

2. Incorrect Name Equifax is reporting my former name as XXXX XXXX XXXX. This is inaccurate. I have never legally used this name. 

XXXX. Incorrect Addresses The following addresses are falsely associated with me and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. Fraudulent XXXX XXXX Account Equifax is reporting an XXXXXXXX XXXX XXXX XXXX account . This is fraudulent, as all of my student loans have already been satisfied and paid in full. 

XXXX. Incorrect XXXX XXXXXXXX XXXX  Account I only have XXXX legitimate accounts with XXXX XXXXXXXX XXXX, both in good standing. Equifax is reporting a third, false account : XXXX XXXXXXXX XXXX  Closed XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account Number : XXXX XXXXXXXX Status : Account closed ; was 6089 days past due. 

This account is inaccurate and must be removed. 

XXXX. Fraudulent XXXX XXXX XXXX Account Equifax is reporting a fraudulent collection account : XXXX XXXX | Account Number : XXXX XXXXXXXX Collection Reported : XX/XX/XXXX | Balance : {$180.00} Original Creditor : XXXX Communications I have never had any account with XXXX XXXX. This collection is fraudulent and must be deleted. 

Legal Action Already Taken I have already filed a lawsuit against the bureau under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for these reporting violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have paid of my student loans as of XX/XX/XXXX. However, they have continued to autopay from XXXX XXXX. I have contacted XXXX XXXX  to cancel the autopayments in end of XX/XX/XXXX. They have not been helpful. 
This is from my XXXX XXXX  statement : XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX DEBIT {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} on XX/XX/XXXX, I have opened a case with Federal Direct Student Loans that were being serviced by MOHELA. The case was opened. They have referred me back to MOHELA but MOHELA can not find the payments by my XXXX XXXX  that was autopaid. 
The total owed to me is {$4800.00} I have called XXXX XXXX  and opened a case but they said they can not help me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
I attempted to check the balance of my card via prepaidgiftbalance.com. I was unable to do so after many attempts. I then called the number on the back of the card. I was asked to share the details of the card, which I did. I was asked to share which state the card was purchased in. I was uncertain, so I shared the state of residence of my family who purchased the card ( XXXX Virginia ) and the state in which I reside ( North Carolina ). I was told I need to try again on the website, placed on hold, and then the call was somehow ended by an electronic voice asking me to remain on the line and complete a survey, then abruptly telling me goodbye and ending the call. I called again. Shared all relevant information. I was told I would need to send in personal information to use my gift card. Then I spoke with a supervisor. They informed me the first representative marked my card for fraud because I was uncertain of the state of purchase and offered two potential options. I asked the representative to help me resolve this without further inconvenience, and she told me she was working on it. I was then placed on hold for a long time, and, once again, an electronic voice told me the call had ended and ended my call. I called an additional time, and I was told I would need to fax my personal ID and a photo of the card. I do not have a fax machine, so I have no means of fulfilling this requirement and am uncomfortable sharing my personal Identification with a company that I am unfamiliar with. Please help mediate the resolution of reissuing my card or unlocking the card I currently have for use.

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 monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3937 ), I understand that the 6 % interest rate cap applies to obligations incurred before XXXX XXXX. However, I applied multiple times for SCRA benefits on my Apple Card while on XXXX XXXX, requesting the interest rate be capped at 6 % as a military protection, and each time my requests were denied. I provided supporting documentation, including copies of my active-duty orders confirming my status. While I recognize that strict SCRA eligibility requires the debt to predate XXXX XXXX, I believe Goldman Sachs may be inconsistently applying benefits or failing to consider voluntary extensions of similar protections, as reported by other servicemembers with post-service accounts. For example, some XXXX users have received reduced rates ( as low as 4 % ) on Apple Cards opened during XXXX, suggesting discretionary application beyond legal minimums. 

Additionally, the Military Lending Act ( MLA ) caps rates at 36 % for certain debts incurred during service, but my Apple Card 's APR 26.24 % exceeds what I believe is fair for military members, and no alternative relief was offered. This denial has resulted in me paying higher interest on my balance accruing hundreds of dollars in interest a month, despite my protected status during the application period. The interest charged is usually more than the minimum payment a month. I have made good-faith efforts to resolve this directly with Goldman Sachs , but they have not provided a detailed explanation or reconsidered my requests. Now that I have separated from XXXX XXXX, I am concerned that any potential extensions of benefits ( e.g., the one-year XXXX period for qualifying debts ) are not being honored. I am filing this complaint to request CFPB assistance in investigating whether Goldman Sachs is properly handling SCRA and military benefit requests for Apple Card holders, especially given recent CFPB actions against Apple and Goldman Sachs for other card-related mishandlings, such as dispute resolutions and interest-free plans. 

I also would like to mention that I have credit card accounts with multiple different companies and Goldman Sachs is the only one to not offer any kind of interest relief for accounts opened while on XXXX XXXX. Other creditors offer me even lower than the 6 % APR standard even though the account was opened during service. I believe that Goldman Sachs is not following standard industry practice and helping our service members. 

The Department of Justice and CFPB have emphasized SCRA interest rate protections in joint guidance, and I believe my case warrants review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Called in to set up arrangement for past due balance and customer service agent set up incorrectly so had to call back a 2nd time to set up another arrangement and now my account for Credit Acceptance shows 30 days past due which wouldnt of happened if customer service agent done it correctly the first time of calling in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XX/XX/year> To Whom It May Concern, I am disputing late payment entries reported on my account with Credit Acceptance. These entries are inaccurate. Under the Fair Credit Reporting Act, I request that you investigate these late payment notations and remove them if they can not be verified. 

Please provide written confirmation of your findings and any corrections made to my credit report. 

Thank you for your prompt attention. 

Sincerely, 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