vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * Creditor/Collection Agency Name : XXXX  XXXX XXXX Account Number : XXXX * Amount : {$1100.00} * Date of Account : XX/XX/scrub>/2016 I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
THERE HAS BEEN AN IMPOSTER USING MY INFIRMATION TO STEAL FROM MY LIFE. I HAVE NEVER RECIEVED ANYTHING FROM ANY LIFE INSURANCE ILLEGALY TAKEN OUT IN MY NAME OR MY XXXX  NAME XXXX XXXX XXXX. ITS IDENTITY THEFT AND FRAUD BEING COMMITTED FOR SEVERAL YEARS. I HAVE NEVER RECIEVED MONEY FOR ANYTHING PUT IN MY NAME AND I WANT THE LETTERS OR INFORMATION SENT TO MY ADDRESS IN XXXX ALABAMA XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED IN VIRGINIA SINCE XXXX. OR NORTH CAROLINA SINCE XXXX. ANYTHING TAKEN OUT IN MY NAME IS 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 2025-08-26 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: IN

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 2025-08-26 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: IN

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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MT

Complaint narrative:
On the CLUE report from LexisNexis, there is incorrect information about my Automobile Policy with Traveler 's Insurance that there was a Non-fault claim in XXXX  which results in increased insurance rates for me. There was no such claim in XXXX  and turns out it was actually a Roadside Assistance call which I had coverage for and no Claim. This error has cost me XXXX XXXX in Insurance and in shopping for other Automobile Insurance and they don't know how to correct it. They did provide me with a Letter of Experience showing that the information on the CLUE Report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am writing to formally file a complaint against Sallie Mae Bank for predatory and unfair lending/servicing practices that have resulted in me being overcharged and financially trapped. 

Despite making consistent payments on my account, Sallie Mae has subjected me to excessively high interest rates and repayment structures that made it virtually impossible to reduce my principal balance.

Evidence of Overcharging & Predatory Practices : 1. Minimum payments trapped in interest : My minimum payments barely covered the monthly interest. At times, even when I paid the required amount, none of it meaningfully reduced the principal. 
Example : Payments ranging from {$68.00} to {$140.00} ( documented between XX/XX/XXXX XX/XX/XXXX, were applied primarily to interest. 
To reduce my balance, I would have had to pay at least XXXX times the minimum payment, which was far beyond my income. 
XXXX. Increasing and inconsistent payment demands : Over time, Sallie Mae raised my payment requirements significantly ( from {$68.00} in XXXX to {$140.00} by early XXXX ). These increases were not accompanied by clear explanations, leaving me without guidance on why I was being charged so much more.

3. Lack of transparency and support : Sallie Mae provided no meaningful options, counseling, or repayment alternatives to address these unaffordable terms. Instead, they allowed interest to accumulate and payments to function as a revolving charge that profited them while harming me financially. 

Impact : I was placed under extreme financial stress, with minimum payments exceeding what I could reasonably afford. 
Despite faithfully paying over a long period of time, I saw little to no progress in reducing my balance.

Sallie Maes practices were designed to trap me in debt and profit off excessive interest charges.

Requested Relief : I respectfully request that this matter be investigated and that my loan balances, interest charges, and repayment terms be corrected. Specifically, I request : A full accounting of how my payments were applied, Removal/refund of unfairly capitalized interest and excessive charges, Adjustment of my balance to reflect fair repayment terms.

I believe Sallie Maes actions fall under unfair, deceptive, and predatory servicing practices that should not be permitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tesla, Inc.
State: AZ

Complaint narrative:
XXXX offered a XXXX XXXX financing on purchase of new XXXX XXXX XXXX in late may. We chose to take advantage of the offer. We ordered the car via their app and filled out the credit app as requested. After waiting for a few days we were offered financing from them for XXXX XXXX for XXXX  months. We questioned this as being incorrect. XXXX was " you'll lose your car if you don't get approved financing ''. Frustrated at no response we went to our bank and got a rate of XXXX XXXX approved in XXXX minutes. Got no response from XXXX as to why the did not XXXX % rate. After car delivery in late XXXX we started getting letters from various banks who were approached by XXXX stating that thy could not approve us due to incomplete credit information. Specifically our annual income was not listed on the application. Several banks sent same letters. Apparently XXXX staff didn't complete file correctly and my protestations went unheard before we took delivery which we grudgingly did because of threat to not get the car on time. My wife and I are retired and have retirement income in excess of {$100000.00} annually plus not other debts and a paid for home. Our credit scores were in he excellent class. 

Consequently I approached XXXX office in XXXX, AZ and asked about it. They said too late because I didn't mention it sooner. That was in XXXX. My son, who works in bank compliance, told me to file a complaint with you. He said they erred in notices needed to be provided. Granted XXXX is not a bank but they acted as an agent for various banks by taking our credit information ( incomplete on their part ). We were not provided any information as to why this situation happened. Simply put, we were brushed off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> TransUnion responded to a CFPB complaint ( XXXX ) stating that they had deleted XXXX from my credit report, but still has not removed Verizon from my credit report.

TransUnion is currently in violation of the following : Inaccurate Reporting Post Resolution FCRA 623 ( a ) ( 1 ), Failure to Correct Known Errors FCRA 623 ( a ) ( 2 ), Failure to Conduct Reasonable Investigation FCRA 623 ( b ) ( 1 ), Failure to Ensure Maximum Accuracy FCRA 607 ( b ), Failure to Provide Method of Verification FCRA 615 ( f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Name : XXXX XXXX Account XXXXXXXX XXXX Amount : {$620.00} XXXX Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
Disputed Basis : 1. This account fails to identify the original creditor, which makes it unverifiable.

2. No proof of ownership, chain of assignment, or original signed agreement has been provided.

3. Reporting the account as Open and Collection is misleading and incomplete, which violates 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

4. If the date of delinquency has been altered to re-age the debt, this is a direct violation of the FCRA.

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 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: IN

Complaint narrative:
XXXX  is trying to collect a debt of {$840.00}. However, it is showing up on my reports and is affecting me getting a house loan. It is a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and my credit score, preventing me from achieving financial freedom and stability.

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 2025-08-26 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: ME

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that compromise its accuracy. These errors are causing significant negative impacts on my financial standing and personal 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 2025-08-26 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: Essential Lending Inc
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened at Wise Loan on XXXX, XXXX under the account number XXXX, an auto 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 US 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