vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Vehicle Loan To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate reporting of a vehicle loan on my credit file. 

I am not legally responsible for this debt. My Final Divorce Decree, issued on XX/XX/XXXX, assigns full financial responsibility for this vehicle loan to my ex-spouse, XXXX XXXX XXXX XXXX, and orders that my name be removed from the loan. This court order is binding and makes it clear that I have no obligation to pay this debt. 

I have also filed a new restraining order and a contempt of court action with the judge against my ex-spouse for failing to comply with the divorce decree and for deliberately abandoning the vehicle, causing this debt to appear on my credit file. I have been a victim of XXXX  XXXX since XXXX, and this action was done maliciously and illegally to cause me financial harm. 

Despite having provided the lender with a copy of the court order and requested removal of my name, they have failed to comply and continue to furnish false information. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Continuing to report this account in my name after receiving documented proof is a clear violation of the FCRA. 

I demand the immediate removal of this account from my credit file. Please conduct a reinvestigation, contact the furnisher, and delete this inaccurate information within 30 days of receipt of this dispute, as required by FCRA 1681i ( a ). 

Enclosures : Copy of Final Divorce Decree ( XX/XX/XXXX ) Copy of restraining order Proof of contempt of court filing Copy of my government-issued ID Proof of current address Copy of recent credit report showing the disputed account Please send written confirmation once this account has been deleted. 

Sincerely, XXXX XXXX If you want, I can now adapt this into a version for the lender/finance company so youre hitting both the credit bureaus and the furnisher directly that way they cant ignore your 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 2025-08-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account in the amount of {$220.00}, allegedly opened on XX/XX/year>. I have never entered into any agreement with XXXX XXXX XXXX, and I did not give permission for them to obtain or use my personal information. This is a clear violation of federal law. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), no company may access or use consumer information without a permissible purpose. I have never signed an agreement with XXXX XXXX XXXX, nor authorized them to collect or report this alleged debt. Their possession and use of my personal information without my consent is illegal. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), a debt collector must provide validation of the alleged debt upon request. XXXX XXXX XXXX has failed to provide any proper validation. They have not produced a copy of any original contract bearing my wet signature to prove I agreed to this debt. Reporting unverifiable information is a direct violation of FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false and misleading representations. 

This account is inaccurate, unverifiable, and damaging my credit reputation. The continued reporting is causing financial hardship, blocking me from accessing housing and credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate and not belonging to me.

Under 15 U.S. Code 1681g [ 609 ] A consumer reporting agency is required to disclose the sources of information and provide a copy of the original contract or application bearing my signature if they claim I am responsible for these accounts. I previously requested this information, but it has not been provided.

Under 15 U.S. Code 1681e ( b ) [ 611 ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information. 

Because these accounts are inaccurate, unverifiable, and not mine, I am requesting immediate deletion and permanent blocking of the following accounts from my credit file : Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} Opened : XX/XX/year>XXXX  Account Status : Collection XXXX XXXX XXXX XXXX / XXXX XXXX TX Balance : {$2500.00} Opened : XX/XX/year> Account Status : Collection

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 2025-08-24 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: IN

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for furnishing inaccurate and damaging information to the consumer credit reporting agencies. 

In XX/XX/year>, XXXX reported that I failed to make a payment on my student loan. This information is categorically false because my account is in deferment status, and no payments are due until XX/XX/year>. Despite this, XXXX reported a delinquency that never existed, which has caused significant harm to me. 

As a result of XXXX inaccurate reporting, my credit score fell by as many as XXXX points or more in a single month. This drastic drop has affected multiple credit reports and has damaged my creditworthiness, my purchasing power, and my overall reputation as a borrower. I want to be clear that I do not owe any payments until XX/XX/year>, and my account is in deferment status. 

This conduct by XXXX is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, data furnishers are required to provide only accurate and complete information. They must not furnish information they know or should know is inaccurate. Nelnets failure to comply with these obligations has caused me direct financial harm and distress. 

I am requesting that the CFPB intervene and require XXXX to immediately correct my credit report by removing the false delinquency and restoring my credit score to its previous level. I am also seeking monetary compensation for the harm done to my credit profile and financial standing. Additionally, I ask that appropriate measures be taken to ensure XXXX complies with the law and does not continue to harm consumers. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo repossessed my vehicle in XXXX  after I had missed two payments due to financial hardships I was facing. I was 4 years into my loan, never missed a payment other than those mentioned above, and only owed about {$2200.00}. There was no notice that my vehicle was going to be repossessed and the third payment, after the two missed, wasnt even due yet. I told the Tow truck driver that I would call Wells Fargo in the morning to figure something out about the two missed payments, and he didnt care. When I tried to approach he began walking towards me. Obviously intimidated, I backed off. About two days after that, I received two or three letters in the same day. It was the notice that they were going to repossess and the time and place my vehicle was being sold. My vehicle was sold two days later. Nobody ever spoke with me about what I could do to keep my car or even told me it was being repossessed.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
They had {$100.00} in my money in an old account and they locked down my account and made me pay to do and lock them down too and just refuse to give me my money gave me four different complaint numbers and never did follow through just kept dragging it off the last 2 months it was from an account from 18 months ago and both accounts have the same bank account connected {$800.00} to tell me and they just kept my money and ripped me off tell me I will

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: PA

Complaint narrative:
b'RECD LETTER FROM CORE LOGIC THEY CONTACTED XXXX XXXX XXXX  RE: A HARD PULL THAT XXXX HAD PULLED ON MY REPORT without MY PERMISSION XXXX  LIED AND SAID THEY HAD MY PERMISSION AND CORE LOGIC believed THEM AND SAID CASE CLOSED DID ANYONE ASK XXXX  WHAT EVIDENCE THEY HAD TO VERIFY THAT STATEMENT? THIS IS NOT ACCEPTABLE AND I WILL REACH THE CEO OF XXXX  SINCE REGULATORS AND INVESTIGATORS RESEARCH IS SO SHALLOW MY OLD INVESTIGATOR SKILLS WOULD MAKE THEM LOOK PALE.'

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 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX fl XXXX ] [ XX/XX/year> ] SANTANDER CONSUMER USA XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ] [ City, State, ZIP ] Re : Request for Debt Validation [ Account/Reference Number ] SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal dispute of the alleged debt referenced above, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Under 1692g ( b ), upon receipt of this written notice, you are required to : Cease all collection activity until you have mailed me the following : Verification and validation of the alleged debt. 
A copy of any judgment, if applicable. 
The name and address of the original creditor. 
Provide complete documentation showing that you have the legal right to collect on this debt, including the original signed agreement or contract with my signature. 
Please be advised that a mere itemized statement or bill is not sufficient validation under the law. Until the above is provided, you must immediately stop all collection activity, including but not limited to reporting this account to any credit reporting agency. 

If you fail to comply with the requirements of 15 U.S.C. 1692g, you will be in direct violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and take legal action to protect my rights. 

This notice is sent in good faith with the intent to exercise my rights under the FDCPA. I expect your full compliance within the timeframes required by law. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting a collection account for {$6600.00} on my credit report. I never authorized this company to have my account or my personal information. I did not give consent for my private data to be transferred or sold to them. Having and using my personal information without my authorization is against the law, regardless of whether another company forwarded it to them.

Previously I mailed National Credit Systems a debt validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). I demanded that they provide proof of my signature, proof of authorization to collect, and a full accounting of the balance they are reporting. They have failed to comply.

To date, National Credit Systems has not provided : A contract, application, or agreement with my wet signature. 

Proof that I gave permission for my account and personal information to be sent to their company. 

A detailed, itemized accounting showing how they calculated the alleged {$6600.00} balance. 

Documentation establishing that they have the legal right to collect on this debt. 

By failing to validate this debt while continuing to report it, National Credit Systems is violating the FDCPA ( 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ). These laws require accuracy, proper validation, and legal authority before a consumers personal data can be used or reported.

The fact that National Credit Systems is in possession of and is using my personal information without proof of consent is a serious violation. A company can not legally claim or use my personal information without my authorization. Their actions are abusive, unfair, and damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime hung up 3 times trying to dispute unauthorized transactions. XX/XX/scrub>XXXX XXXX I was scammed on XXXX by a person selling food who would only accept chime for payment. Then did not deliver food and blocked my account and chime did not help or dispute. They systematically ignored me. The person took additional funds via chime from my account somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Amsher Collection Services, INC regarding a disputed debt allegedly related to a XXXX  account. Amsher Collection Services, INC has failed to provide proper validation of the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Despite my formal written request, they have not produced any original contract bearing my signature, no chain of title, and no accounting records proving legal ownership or standing. Furthermore, the debt is inaccurately reported by Amsher Collection Services, INC to XXXX XXXX XXXX XXXX as still active, without being marked as charged-off or transferred, in direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. These inaccuracies are materially misleading and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NM

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS.. 

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1692A5 15 U.S.C 1692g 15 U.S.C 1681iaa BANKRUPTCY ACCOUNT : Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/2022 XX/XX/2022 XX/XX/2022 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2022 XX/XX/2022 XXXX Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Liability : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00}

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 2025-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered multiple inquiries and negative accounts on my credit profi le that were reported without authorization or consent. Under theFCRA, 15 U.S.C. 1681b - Permissible Purpose, no third party may access or report information to my credit fi le without my written permission. Since Inever granted such consent, these entries are a violation of federal law and may be considered identity theft. I demand the immediate removal ofthese unauthorized accounts and inquiries within XXXX business days of receipt of this notice. XXXXXXXX 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 response to consumer: Closed with non-monetary relief