vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
I am filing this complaint directly against BMW Financial Services regarding an auto loan ( ending in XXXX ) that continues to report inaccurately on my credit reports. This account reflects a {$16000.00} charge-off balance, but BMW has failed to comply with multiple federal laws, including : Truth in Lending Act ( TILA ) 131 ( g ) FCRA 623 ( a ) ( 1 ) ( A ) and 611 UCC 9-611, 9-614, 9-616 FDCPA 807 XXXX XXXX  Reporting Standards Violations and Timeline : Loan Opened : XX/XX/year> Repossession & Sale : Took place without any pre-sale notice or post-sale deficiency statement, violating UCC 9-611 and 9-614.

Post-Sale Balance Reporting : {$16000.00} reported across XXXX  and XXXX, with no documentation, breakdown, or proof this amount is valid or owed. 

BMW never notified me of any sale or transfer of ownership or gave me the legal right to settle the debt under TILA.

I disputed this account repeatedly, and BMW has failed to respond with proof or updates.

Specific Legal Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting unverified, inaccurate, and incomplete information FCRA 611 & 1681i : Failure to properly investigate disputes FDCPA 807 : Misrepresenting the legal status of the alleged deficiency TILA 131 ( g ) : Failure to notify borrower of loan assignment/transfer within 15 days UCC 9-611 , 9-614, 9-616 : No repossession sale notice, no post-sale accounting, no proof of deficiency balance Metro 2 : Reporting an active balance on a closed/charged-off/transferred account violates industry standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: WI

Complaint narrative:
I am writing to formally request that you consider forgiving my student loans. Because I have had to take on the responsibility of my grandchildren due to mental health of my daughter, I have been unable to maintain the payments and have had to register in school to hold them off just because I could not make payments. 

I kindly request that you forgive the total debt. I am willing to discuss any alternative arrangements if complete forgiveness is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Checking Plus line of credit with Citibank that was linked to my checking account. A few months ago, Citi closed my checking account, and I recently found out that the line of credit account has been charged off. 

On XX/XX/, I visited a Citi branch to get clarity on the status of the account and whether I owed anything. The branch told me they had no access to information regarding the closed account and that all statements had been sent electronically. I was eventually able to retrieve an old electronic statement, which showed that I had a past due amount and that a payment was due the same day ( XX/XX/XXXX ). 

I called multiple Citi customer service numbers that were provided to me, but I was repeatedly transferred between departments and eventually hung up on without getting a resolution. No one has been able to provide a clear written explanation of the current amount due, any applicable late fees, or where and how to submit payment. 

I have made multiple good-faith attempts to resolve this, both in person and by phone, but I have not received any useful information or proper written notice about the debt. I am trying to understand what I owe and how to pay it, but Citi has not provided the basic documentation required to verify the debt or help me resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am formally disputing inaccurate, incomplete, and unsubstantiated information currently reporting on my credit file. This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Federal law requires that all information furnished for credit reporting must be 100 % accurate, verifiable, timely, and compliant with all applicable data reporting standards. I am requesting full investigation and verification of the following : Personal Information in Dispute : Incorrect Current Address : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XX/XX/year> Accounts in Dispute : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX I demand that you provide certified documentation validating the accuracy, ownership, and lawful reporting of each disputed item listed above. If you can not furnish proper evidence substantiating these accounts and personal identifiers, you are required by law to DELETE these items from my credit report. 

Failure to comply with the investigation requirements under FCRA Sections 611 ( 15 USC 1681i ), 609 ( 15 USC 1681g ), 1681e ( b ), Metro 2 Compliance standards, and furnishers obligations under 15 USC 1681s-2 may result in immediate escalation to the CFPB, FTC, and my State Attorney General for further enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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'm writing to demand the immediate and permanent removal of a fraudulent account that has been reported under my name and appears on my credit report. This account was opened without my knowledge, consent, or authorizationin other words, it is the result of unauthorized and criminal use of my personal identity. 

Let me be very clear : I did not open this account. I did not apply for it. I have no affiliation with it, and I have never benefited from it in any way. Its presence on my credit report is not only inaccurate but also harmful and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
XXXX - XX/XX/XXXX - {$1000.00} XXXX - XX/XX/XXXX - {$0.00XXXX XXXX - XX/XX/XXXX - {$45.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$3100.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
XXXX - XX/XX/XXXX - {$1000.00} XXXX - XX/XX/XXXX - {$0.00XXXX XXXX - XX/XX/XXXX - {$45.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$3100.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this Breach : EQUIFAX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
This company is suing me in court -- I sent an original answer and they sent me the attached letter. On pages 13 & 14, they provided someone else 's name, social security number, address and date of birth -- which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX ssn XXXX Subject : Formal Complaint for Racial Discrimination and Unjust Denial of Funded Accounts To Whom It May Concern, I am writing to file a formal complaint against South State Bank for what I believe to be discriminatory and racially motivated actions that occurred during my attempt to open both a personal and business account.On or around XXXX I visited your branch to open a bank account. I provided all required documentation and valid identification, yet I was denied without a proper explanation. Throughout the process, I was treated unfairly From The Back Office and made to feel unwanted to join south state bank, as if I were being judged not on the merits of my application, but on the basis of my race as an XXXXXXXX XXXX individual. 

I want to make it clear that I do not owe any other banks, nor do I have any negative banking history that would warrant denial of service. My financial standing does not justify this type of treatment, which further leads me to believe that race played a role in your decision. 

Federal and state laws, including the Civil Rights Act of 1964 and the Equal Credit Opportunity Act, protect individuals from being discriminated against by financial institutions on the basis of race, color, or national origin. What I experienced appears to be a violation of these protections. 

I am requesting a full written explanation for the denial of my account application, along with an investigation into this matter. I also urge South Bank to take immediate steps to review its policies and ensure staff are properly trained to treat all individuals equally and respectfully.

If I do not receive a timely and appropriate response, I will be forced to file a formal complaint Office of the Comptroller of the Currency ( OCC ), and may explore legal action to address this civil rights concern. 

I expect a response within 5 business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Listed below are the Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This correspondence serves as my formal dispute pursuant to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) and XXXX XXXX Compliance Standards. I demand immediate investigation and deletion of any unverifiable, inaccurate, incomplete, untimely, or non-compliant reporting.

I dispute the accuracy and validity of these accounts. The continued reporting of derogatory information without full documentary evidence violates your statutory obligations. As the data furnisher and repository, you are required to maintain maximum possible accuracy ( 15 USC 1681e ( b ) ), possess verifiable documentation, and fully validate the legal right to report these accounts ( 15 USC 1681b, 1681i ).

I hereby demand : Full documentary evidence proving the alleged debts are valid, accurate, and fully compliant with XXXX XXXX formatting standards. 

Proof of permissible purpose authorizing any inquiry or furnishing activity. 

Evidence that your reporting meets XXXX XXXX XXXX XXXX data standards without any deviation. 

Failure to comply within 30 days constitutes willful non-compliance under 15 USC 1681n, opening liability for damages. Any unsupported claims will be treated as defamation of character, willful negligence, and a direct violation of my consumer rights. If you can not verify with complete and factual documentation, DELETE these accounts 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 non-monetary relief
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX last XXXX sun XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX last XXXX sun XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-23 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: GA

Complaint narrative:
Im writing with urgency and frustration regarding inaccurate information that has shown up on my credit report. I am demanding an immediate investigation into this matter, as the presence of this false data is not only unacceptableits actively harming my credit profile, financial opportunities, and overall credibility.

Let me be very clear : the information in question is wrong. Whether its an account I never opened, a balance I dont owe, or a payment history that doesnt belong to me, something is offand it needs to be addressed right now. I have never authorized this account, and I have no knowledge of ever engaging with the creditor in question. If this accountor any portion of itwas opened or reported without my explicit consent, then this is a serious violation of my rights and a threat to my financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXX  XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief