vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, incomplete, and nonMetro 2 compliant information that violates the Fair Credit Reporting Act ( FCRA ). The furnishers involved are XXXX XXXX and XXXX XXXX XXXX, and in some cases XXXX XXXX XXXX. 

I have disputed these accounts multiple times with both the credit reporting agencies and the furnishers. Despite my written disputes and documentation, the inaccurate information remains. 

This has caused damage to my creditworthiness, scoring, and ability to obtain financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, incomplete, and nonMetro 2 compliant information that violates the Fair Credit Reporting Act ( FCRA ). The furnishers involved are XXXX XXXX and XXXX XXXX XXXX, and in some cases XXXX XXXX XXXX. 

I have disputed these accounts multiple times with both the credit reporting agencies and the furnishers. Despite my written disputes and documentation, the inaccurate information remains. 

This has caused damage to my creditworthiness, scoring, and ability to obtain financing.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XXXX stolen XXXX XXXX I made police report and notified my insurance company. 
Not notified of recovery Repo letter dated XX/XX/XXXX but received XX/XX/XXXX Auction scheduled XX/XX/XXXX ( ILLEGAL ) Improper fees No chance to cure XXXX law violation I am not behind in payments. Car is almost fully paid off {$4200.00} balance Honda financial is demanding full REMAINING loan balance instead of allowing me to continue with loan payments. 

Car stolen XX/XX/XXXX Report filed same day No notice from lender They took stolen car from impound without notice to me. 
Sent repo notice XX/XX/XXXX Didnt notify me until XX/XX/XXXX ( i called them ) Now threatening auction XX/XX/XXXX XXXX XXXXXXXX XXXX now requesting that I pay full remaining balance plus repo fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Issue Summary : MoneyLions identity verification process is inaccessible to XXXX users and prevents me from completing account verification. Their app also freezes XXXX in required fields ( SSN and DOB ), blocking me from using their cash advance service. Issue Summary : MoneyLions identity verification process is inaccessible to XXXX users and prevents me from completing account verification. Their app also freezes XXXX in required fields ( SSN and DOB ), blocking me from using their cash advance service. 

What Happened : I am totally XXXX and currently homeless. I use XXXX on an XXXX XXXX. When trying to verify my identity for MoneyLions instant cash service, the app freezes when entering my Social Security Number and Date of Birth. Both input boxes become unreadable or unresponsive with XXXX. 

I explained this to MoneyLion multiple times and provided the front and back of my government-issued ID as requested. However, they refused to verify my account unless I take a selfie holding my ID. Because I am totally XXXX, I can not independently take a selfie, and I do not have anyone I trust who can assist. I told them this clearly. 

Despite knowing I am XXXX, they refused to offer any alternative verification method and repeated the same inaccessible instructions. They also ignored the XXXX accessibility failures. 

Why This Is a Problem : Their app is inaccessible to XXXX users. 

They require a verification method that XXXX individuals can not perform. 

They refuse to give any alternative. 

This blocks my access to financial services I rely on. 

This may violate ADA accessibility requirements.

What I Want : I want the CFPB to review MoneyLions inaccessible verification process and require them to provide an alternative ID verification option for XXXX users, and to fix their broken XXXX  fields that prevent me from entering my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Credit Collection Services for multiple violations of federal consumer protection laws. The company is reporting inaccurate collection account information to the credit bureaus for a debt that does not belong to me. 

ACCOUNT : XXXX XXXX XXXX XXXX  This account is reporting as a collection on my XXXX XXXX XXXX credit reports, but it is not my debt. I have no knowledge of this account, and it belongs to someone with a similar name. 

SPECIFIC VIOLATIONS IDENTIFIED : XXXX. WRONG PERSON DEBT This account does not belong to me. I have no contractual relationship with the original creditor, and this appears to be a case of mistaken identity with someone who has a similar name. 

XXXX. MATHEMATICAL IMPOSSIBILITY IN REPORTING The same account is reporting different amounts to different credit bureaus : XXXX reports {$310.00} XXXX reports {$440.00} This {$130.00} difference for the same account represents a mathematical impossibility and violates accuracy requirements. 

XXXX. INCONSISTENT CREDIT REPORTING The account comments and status are inconsistent between bureaus : XXXX comments indicate " placed for collection '' XXXX has no comments section completed This inconsistent reporting violates furnisher accuracy requirements. 

XXXX. FAILURE TO VALIDATE DEBT I have never received any validation notice or documentation proving this debt belongs to me. The company continues collection activities without providing proper validation. 

LEGAL VIOLATIONS : FDCPA 1692g ( a ) : Failure to provide validation notice FDCPA 1692e ( 8 ) : Reporting inaccurate information FCRA 1681s-2 ( b ) : Furnisher accuracy violations XXXX XXXX  compliance violations for inconsistent reporting EVIDENCE : Credit reports showing the {$130.00} discrepancy Proof that this is wrong person debt Account number XXXX XXXX XXXX XXXX XXXX XXXX appearing on multiple credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: CA

Complaint narrative:
b'On XXXX, I (XXXX XXXX) transferred XXXX$ to my mom (XXXX XXXX) in XXXX  via XXXXThey claim that money will be received in 6-8 business days.  I have their app on my phone and the remittance deposit date keeps getting extended, it started with XXXX and then it got extended and as of today (XXXX), the date of remittance is XXXX.  They do not have a phone number, they have an automated chat which is AI operated.  I think this is a fradulent company.  They are not providing me with a reassuring answer.  I think they have stolen my money.  Kindly assist me.  Thanks.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I notified XXXX that information on the XXXX XXXX account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

I notified XXXX  that information on the XXXX XXXX account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

I notified XXXX  that information on the XXXX XXXX account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

National credit system is reporting incorrect information to XXXX and XXXX regarding a rental property application fee, which was {$75.00} before I withdrew said application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
To Whom It May Concern My consumer report contains inaccurate addresses and unauthorized inquiries that violate the FCRA. These items do not belong to me, and the credit bureau failed to correct them after my disputes. I am requesting CFPB intervention to remove all inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AddressThis address is inaccurate and does not belong to me. Reporting an unverified address violates FCRA 607 ( b ) because you must ensure accuracy, and your failure to provide any documentation under FCRA 609 ( a ) ( 1 ) ( A ) proves this address can not be linked to my identity. Since this address is unverified and unrelated to my residence history it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX  I have never lived at this address and have no ties to it. Keeping a false address on my file violates FCRA 602 and 607 ( b ) because inaccurate personal information compromises the entire report. No verification was supplied under FCRA 610 ( a ). This address must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this company to access my consumer report. No permissible purpose exists under FCRA 604 and no documentation has been provided under FCRA 609 ( a ). Since this inquiry is unverified and unauthorized it must be removed. 

XXXX XXXX XXXX XX/XX/XXXX I did not give permission for this inquiry. Reporting it without proof violates FCRA 604 and 607 ( b ). Your failure to provide verification under FCRA 610 ( a ) shows it can not be validated. This inquiry must be deleted. 

XXXX XXXX XX/XX/XXXX I have no application, account, or relationship with this entity. This inquiry is unauthorized and violates FCRA 604 because no permissible purpose exists. With no documentation provided under FCRA 609, the inquiry remains unverified and must be removed. 

These items are not mine and were never authorized. Their reporting is harming my credit and violates federal law. I request full removal and a compliance review of the bureaus verification procedures.

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 2025-11-18 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I entered into an agreement with XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd XX/XX/year>. At the time of enrollment, I financed the treatment through a third-party lender arranged by XXXX, XXXX monthly payments totaling approximately {$2000.00}. I diligently made all required payments and complied with the treatment plan until XXXX unilaterally terminated my active treatment and account. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy protection in the United States Bankruptcy Court for the Southern District of Texas ( Case No. XXXX ). This filing directly led to the disruption and ultimate termination of ongoing customer treatments, including mine. On XX/XX/year>, XXXX announced the complete shutdown of its operations via its website, effectively terminating all active customer accounts nationwide, including those in Arizona where I reside and received services. As a result, 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 

Prior to the shutdown, I made repeated good-faith attempts to contact XXXX  customer support seeking alternative solutions to complete my treatment, such as transfer to another provider or partial refund. XXXX offered no viable options or accommodations ; instead, I was solely referred to the third-party financing company for payment matters. Upon contacting the third-party lender, I was instructed to continue making full payments despite the incomplete service, with no recourse or adjustments provided. This left me in an untenable position : obligated to pay the full financed amount for undelivered services, resulting in financial harm and incomplete medical treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation