vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 had an XXXX XXXX freeze put on my credit reports from XX/XX/XXXX to XX/XX/XXXX. Credit lines were still approved without my verification or knowledge. My personal information was also involved in a data breach. There are many inquires and credit lines that were opened that do not belong to me and should not have been approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I had an XXXX XXXX freeze put on my credit reports from XX/XX/XXXX to XX/XX/XXXX. Credit lines were still approved without my verification or knowledge. My personal information was also involved in a data breach. There are many inquires and credit lines that were opened that do not belong to me and should not have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I had an XXXX XXXX freeze put on my credit reports from XX/XX/XXXX to XX/XX/XXXX. Credit lines were still approved without my verification or knowledge. My personal information was also involved in a data breach. There are many inquires and credit lines that were opened that do not belong to me and should not have been approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: NV

Complaint narrative:
I received notice of debt collection from LJRoss regarding an alleged outstanding bill for XXXX XXXX 
This notice was sent electronically. 
The notice indicated that no payment was made for a {$600.00} final bill as of XX/XX/year>. My account number for XXXX XXXXXXXX was XXXX. The email was sent at XXXX on that date. Reference number XXXX. 
I have a receipt from XXXX XXXXXXXX dated XX/XX/year> showing payment in full of {$600.00}. Payment confirmation number XXXX. 
I contacted LJRoss to provide all of this information along with a copy of the payment receipt. All emails to LJRoss were returned as undeliverable despite using their website and following their procedure to file a complaint as listed on the website. This is clearly intended to cause a consumer to give up and improper collections to continue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I am writing to formally file a complaint against Exeter Finance regarding their failure to release the lien on my vehicle after I paid my auto loan in full. I reside in the State of Michigan and completed my final loan payment on XX/XX/XXXX. 
Despite satisfying the loan balance in full, Exeter Finance has stated that they will not release the lien for up to 14 business days, which I believe exceeds the reasonable and lawful timeframe for lien release under Michigan Compiled Laws 257.238. This delay is causing unnecessary hardship and may be in violation of consumer protection statutes. 
Vehicle and Loan Information : Finance Company : Exeter Finance Vehicle Year/Make/Model : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Full : XX/XX/XXXX Michigan law requires lienholders XXXX release liens promptly once an obligation is satisfied. Under the Michigan Electronic Lien and Title ( ELT ) system, lienholders are expected to electronically release liens, which then triggers the state to mail the title the next business day. Exeter Finances 14-business-day delay appears excessive and inconsistent with this standard.

I respectfully request an investigation into this matter and any assistance you can provide to ensure the timely release of my vehicle title.

Thank you for your attention and support Below is the reply from Exeter Finance even after I received confirmation of payments and payments were deducted from my banking account. ( Mind you, I paid this account off in full with cash, so why do the funds need to be verified... ) Funds are held for 14 calendar days from process date of a payoff/settlement to ensure the funds are valid. After 14 calendar days pass, a paid in full ( PIF ) letter ( when applicable ) and/or title/lien release will be sent within 11 calendar days. For further assistance, please call ( 800 ) 321 - 9637. Customer Service Representatives are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 am writing to file a formal complaint regarding inaccurate and fraudulent information appearing on my credit reports maintained by Experian, Equifax and TransUnion. This inaccurate information consists of accounts and inquiries that are the result of identity theft. 

To the Consumer Financial Protection Bureau, The following accounts and inquiries are fraudulent and should be immediately removed from my credit reports : Despite previously notifying both Equifax and Transunion that these specific accounts and inquiries are fraudulent and not associated with me, they continue to report them as factual and current on my credit report. 
The continued reporting of these fraudulent items is damaging to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

These items are a direct result of identity theft, which I have reported. I have previously disputed these items directly with Equifax and TransUnion, providing information that they are fraudulent. However, they have failed to conduct a proper investigation and remove these items. 

XXXX XXXX Sincerely, Thank you for your attention to this urgent matter. 

I have attached copies of relevant documents, including [ List attached documents, e.g., Identity Theft Report, Police Report, previous dispute letters to Equifax and TransUnion, copies of credit reports highlighting the fraudulent items ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and fraudulent information appearing on my credit reports maintained by Experian, Equifax and TransUnion. This inaccurate information consists of accounts and inquiries that are the result of identity theft. 

To the Consumer Financial Protection Bureau, The following accounts and inquiries are fraudulent and should be immediately removed from my credit reports : Despite previously notifying both Equifax and Transunion that these specific accounts and inquiries are fraudulent and not associated with me, they continue to report them as factual and current on my credit report. 
The continued reporting of these fraudulent items is damaging to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

These items are a direct result of identity theft, which I have reported. I have previously disputed these items directly with Equifax and TransUnion, providing information that they are fraudulent. However, they have failed to conduct a proper investigation and remove these items. 

XXXX XXXX Sincerely, Thank you for your attention to this urgent matter. 

I have attached copies of relevant documents, including [ List attached documents, e.g., Identity Theft Report, Police Report, previous dispute letters to Equifax and TransUnion, copies of credit reports highlighting the fraudulent items ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
The company Synchrony Bank is engaging in fraudulent and scammy business practices. Synchrony Bank opened a fraudulent Care Credit card account ending XXXX in my name. I filed an Identity Theft Report with FTC. I called Synchrony Bank and reported it. This is a fraudulent account. The customer service said they closed it. I filed a dispute with credit bureaus and requested to remove inaccurate information from my credit report. I request a confirmation from Synchrony Bank that they closed this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account was included in bankruptcy, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! 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 2025-05-21 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute and request immediate correction of XXXX XXXX late payment notations reported on my credit file by MOHELA. These entries are unverified, erroneous, and in violation of consumer protections afforded under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are legally required to ensure all data they report is complete and accurate. The following XXXX accounts have reported XXXX delinquencies that are factually incorrect and unverified by the creditor : MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) MOHELA Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Formal Complaint : Unauthorized Loan Closure and Lack of Customer Notification Whom It May Concern, I am writing to file a formal complaint regarding the handling of my vehicle loan with Bank of America. I believe the actions taken by the bank, in coordination with my auto insurance company, were conducted without my consent, proper notification, or any opportunity for me to participate in a decision that significantly impacted my financial account.

Here are the details of my grievance : I had an active vehicle loan with Bank of America.

My vehicle was recently totaled in an accident, and I am currently in the process of working with my insurance company regarding the claim. 

While attempting to log in to my Bank of America account to check the next monthly payment, I discovered that my auto loan account had disappeared. 

After calling Bank of America customer service, I was informed that the insurance company had sent a payment and the loan had been closed as a result. 

I was never notified about this payment, was not consulted, and did not provide my consent for the loan to be closed. 

This entire process occurred without my awareness, consent, or involvement. I am the customer and account holder, and I believe it is unacceptable and unethical for such significant actions to be carried out without informing or involving me. 

This raises serious concerns about Transparency in consumer financial dealings, Lack of consent for major account actions, Potential violation of fair lending and servicing practices. 

I am requesting that Bank of America : Explain why no notification or consent was sought from me, the primary account holder. 

Compensate me for the amount equivalent to the insurance payoff, as I was denied the opportunity to direct or negotiate the handling of this loan myselfan option I should have reasonably had. 

Clarify how this practice aligns with consumer protection laws and banking standards. 

I expect a thorough investigation and a prompt response to this matter. I am also considering escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General if no satisfactory resolution is provided. 

Sincerely, 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 2025-05-21 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I am a victim of identity theft and I completed the correct steps of filling my affidavit, police report, and my dispute for my inaccurate information using my consumer protection laws and there are still old addresses appearing and reappearing when the only address that should be on there is XXXX XXXX XXXX XXXX I also sent in my proof of address showing those other addresses are not mine and that information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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