vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action.

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 2025-08-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference 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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
On XX/XX/XXXX, LoanMarts Chief Compliance Officer confirmed my account was officially placed in no contact status due to a pending dispute. Despite this, I received multiple prohibited communications within 24 hours : An email from Collections Supervisor XXXX XXXX demanding repossession and payment, addressed to another customer ( XXXX XXXX XXXX ) but containing figures consistent with my own loan. This not only violates debt collection laws but also raises serious concerns about data mishandling and consumer privacy breaches. 

A system-generated text message after midnight ( XX/XX/XXXX ) stating All text subscriptions removed, which I did not request. This constitutes further communication after no contact. 


This shows a pattern of disregard for both consumer protection and data privacy obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Jefferson capital I am writing in response to your claim that I owe a debt to Jefferson Capital for an account allegedly originating with Regional finance. This letter is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor 2. The exact amount of the alleged debt, including a breakdown of any fees, interest, or other charges.

3. Documentation that proves I am legally obligated to pay this debt.

4. A copy of the original signed agreement or contract.

5. Proof that your company is licensed to collect debts in the state of Texas Until this information is provided, you must cease all collection activity, including reporting this debt to credit reporting agencies, as required by law. 
Be advised that I am keeping detailed records of all communications regarding this matter. If you are unable to provide proper validation, you must immediately cease all collection efforts and remove any negative reporting related to this account. 
Thank you for your cooperation. I expect your reply within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: New Century Auto Sales, Inc.
State: KS

Complaint narrative:
Issue Type : Auto Loan / Installment Contract Misrepresentation of Financing Terms Details of Complaint : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX, MO ). The financing was assigned to XXXX XXXX XXXX. 

The transaction contained significant violations of the Truth in Lending Act ( 15 U.S.C. 1605, 1638 ) and the FTC Holder Rule ( 16 C.F.R. 433.2 ). Specifically : The contract bundled {$3000.00} for a service contract, {$1500.00} for XXXX coverage, and a {$390.00} administrative fee directly into the Amount Financed ( {$18000.00} ). 

These charges were presented as part of the deal, but were not properly disclosed, itemized, or separated from the cash price of the vehicle. 

As a result, I have been paying interest on non-vehicle costs, which misrepresents the true cost of credit. 

While the dealer has provided boilerplate signed addenda, these documents do not cure the fact that the financing structure concealed finance charges and violated federal disclosure requirements. 

Under the FTC Holder Rule, XXXX XXXX is liable for the dealers conduct, including misrepresentation and failure to provide accurate TILA disclosures. 

To date, I have paid {$8100.00} ( down payment + 12 monthly payments of {$550.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
After my complaint with the CFPB was closed NCS contacted me trying to collect the amount owed. Before any amount is paid I first and foremost keeping saying that I did not give NCS permission to access the use my social security number. This transfer of my private information was done without lawful authorization and without notice to me. I am seeking to take this matter to arbitration. I was sent a copy of the lease and not the original contract with oil marked ink. So lets keep in mind about Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service. This time around you have XXXX XXXX if not I will take this company to court. Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character This has truly affected me in so many ways my lease was over and I moved Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the closure of my prior FNBO accounts and the subsequent denial of my ability to open new deposit or credit accounts. I have been a victim of identity theft, and for the past XXXX ( XXXX ) years I have worked diligently to clear fraudulent activity from my records. This has included filing FTC Identity Theft Reports, police reports, and retaining an attorney to represent me in these matters. 
Since the identity theft occurred, I have changed both my residential address and phone number, and I request that my updated contact information be reflected in all FNBO systems : Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Current Phone Number : XXXX At present, my XXXX XXXX, and XXXX XXXX XXXX files have all been cleared of negative items, and my consumer reports reflect no derogatory accounts or closures that would lawfully prevent me from opening a new account or credit line with your institution. 
Despite this, FNBO continues to deny me access to banking services, which constitutes an unfair and unlawful restriction under several federal consumer protection statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 1681i and 1681s-2, I have the right to dispute and demand correction of inaccurate or fraudulent information furnished by or relied upon by financial institutions. Since my consumer reporting agencies no longer show negative data, FNBO can not lawfully rely on obsolete or inaccurate information to deny me banking services. 
Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 FACTA specifically protects identity theft victims and provides mechanisms for institutions to honor fraud alerts and corrected records. Continuing to deny me an account due to prior fraud directly violates these protections. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. This requires financial institutions to safeguard consumer information and take reasonable measures to protect victims of identity theft.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Discriminating against me by denying credit and deposit services for reasons unrelated to my present creditworthiness constitutes unlawful discrimination. 
Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB guidance makes clear that institutions can not indefinitely restrict consumers who have resolved prior fraudulent incidents.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NJ XXXX Date : [ XX/XX/XXXX Re : Formal Dispute and Demand for Investigation Under 15 U.S. Code 1681b Lack of Written Consent To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry or furnishing of my consumer report information as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX  obtained and/or was furnished my consumer information without my written authorization as required by law. According to 15 U.S. Code 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may furnish a consumer report only if the consumer has given written instructions or consent. 

I have never provided such written consent or authorization tXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to access or be provided with my consumer information. Therefore, this access was unauthorized and constitutes a violation of my rights under the FCRA. 

Requested Actions : 1. Immediately investigate this matter under your obligations as defined in 15 U.S. Code 1681i, which requires a reinvestigation of disputed information.

2. Provide me with : A copy of the written authorization that allegedly permiXXXX XXXX XXXX XXXX XXXX XXXX  to access my credit file. 

The date and method of consent, including any records showing how it was obtained. 



XXXX. If you can not verify that such written authorization exists, remove this inquiry or related account from my credit file immediately. 


XXXX. Provide me with written confirmation of the results of your investigation within 30 days as required by law. 



Please consider this letter formal notice of dispute under federal law. Failure to comply with these provisions XXXX result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ SSN : Last XXXX digit XXXX ] Date of Birth : [ XX/XX/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 2025-08-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this 1 unverifiable inquiry from my ( XXXX  ) credit report. XXXX XXXX ( AUTO ) : XX/XX/year>. In addition, I didn't give you permission ( XXXX  ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section ( 1681bc ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inclusion of the following charge-off accounts and inquiry listed on my credit file. I believe these accounts and inquiry have been inaccurately reported, and I am requesting a thorough investigation into their validity. Below, I have outlined the charge-off accounts, and an inquiry I dispute and request be reviewed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or unverifiable. Specifically, I am requesting that the following provisions be applied to this dispute

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-27 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: NJ

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NJ XXXX Date : [ XX/XX/XXXX Re : Formal Dispute and Demand for Investigation Under 15 U.S. Code 1681b Lack of Written Consent To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry or furnishing of my consumer report information as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX  obtained and/or was furnished my consumer information without my written authorization as required by law. According to 15 U.S. Code 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may furnish a consumer report only if the consumer has given written instructions or consent. 

I have never provided such written consent or authorization tXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to access or be provided with my consumer information. Therefore, this access was unauthorized and constitutes a violation of my rights under the FCRA. 

Requested Actions : 1. Immediately investigate this matter under your obligations as defined in 15 U.S. Code 1681i, which requires a reinvestigation of disputed information.

2. Provide me with : A copy of the written authorization that allegedly permiXXXX XXXX XXXX XXXX XXXX XXXX  to access my credit file. 

The date and method of consent, including any records showing how it was obtained. 



XXXX. If you can not verify that such written authorization exists, remove this inquiry or related account from my credit file immediately. 


XXXX. Provide me with written confirmation of the results of your investigation within 30 days as required by law. 



Please consider this letter formal notice of dispute under federal law. Failure to comply with these provisions XXXX result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ SSN : Last XXXX digit XXXX ] Date of Birth : [ XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 response to consumer: Closed with non-monetary relief