vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXDear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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 has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
They keep closing my complaint and not addressing the issue. I had PMI insurance and I had Homeowners Insurance. What they have done to me and my son is criminal with XXXX  intent and nothing has been done to stop this. I read online the claim at the court house shouldn't have been put in because of my insurances I had on the house and the mortgage. I had a clear title and I put in the paperwork to give back the house in XXXX of XXXX. It is going on a year now that I don't have the house. The homeowners insurance said that they wouldn't cancel the homeowners insurance until the house wasn't mine anymore and out of my name. They did that XX/XX/XXXX. I was instructed by the VA that they are frauding me and to stop communications with them. When I had communicate they just lied and didn't do their job. They keep waiting and then when you think it's over then they start their harassment again. They mail me letters with nothing inside the envelope. This business should be closed for their unprofessionalism and XXXX  tactics on the homeowner. Their are laws to protect the consumer from this and why don't they have to follow the law? The house is posted no trespassing with the New Owners information.

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 2025-07-24 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: WA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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: WA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Purchased the vehicle in XX/XX/year>2022. The vehicle was XXXX and unable to drive XXXX times between XXXX and XX/XX/scrub> 2022. The warranty refused to pay and advised me to not make payments. The vehicle was repossessed from the mechanic property, and now the remain balance is on my credit report for over XXXX with a collection agency. The dealership, XXXX XXXX XXXX filed XXXX and sold the outstanding accounts to XXXXXXXX XXXX just days after the repossession. I never received notice that the vehicle was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I suspect these accounts are fraudulent, as I did not authorize or open them. I request that they be investigated and promptly removed from my credit report. Supporting documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
According to the FDCPA, they can NOT collect or threaten to garnish wages when the debtors only income is Social Security XXXX. They have been provided this information more than once and refuse to back down. As such, it has caused me immense harm and suffering causing a XXXX XXXX XXXX to further debilitate me to be XXXX  so I cant even file the necessary paperwork in court. They are violating federal law and need to be held accountable.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested a late fee removal since my payment was due on the XXXX. PNC said they couldn't, because I had asked for one in XXXX. 

In XXXX when my payment was due their agents kept hanging up on me making it impossible to make a payment. There is record of it as well over the phone. I am confused as to why this would be counted against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a dispute under FCRA 605B because my identity was stolen and several accounts and inquiries were fraudulently added to my credit report with Experian. I have attached a notarized 605B letter, my FTC Identity Theft Report, ID, Social Security card, proof of address, and documentation showing the disputed accounts. 
I was also impacted by the XXXX  data breach, which exposed my personal identifying information including my full name, Social Security number, and address. I believe this breach contributed to the unauthorized creation and reporting of the fraudulent accounts listed below. 
The accounts include : - XXXX XXXX XXXX {$540.00} Collection I did not authorize or have contract with prior company - XXXX XXXX XXXX  {$570.00} Charge-Off I did not authorize - XXXX XXXX Charge-Off with inconsistent data I did not authorize - XXXX XXXX XXXX XXXX Charge-Off I did not authorize I demand the permanent removal of these fraudulent accounts and any associated inquiries. Experian has failed to act, and I am now requesting CFPB intervention to enforce my rights under FCRA 605B.

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 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-24 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 exercising my right to dispute the following accounts and request the removal or correction of any items that can not be verified with complete accuracy and legally permissible documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
On my credit reports from XXXX XXXX, and XXXX, there is an account reported by THE XXXX XXXX XXXX, listed as XXXX. Based on the name of the furnisher and the nature of the account, I believe it is related to medical services.

To my knowledge, I did not authorize the inclusion of any medical information in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( g ) ), a consumer reporting agency may not disclose medical information without the consumers written consent, except in limited situations. 

I am requesting an investigation into whether this information was lawfully reported, and if it violates FCRA protections regarding medical privacy. If this information was reported without proper authorization, I am asking for its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer 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 EQUIFAX 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 credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

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 2025-07-25 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
Trans union is reporting fraudulently on my credit report. The listed info isnt mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry isnt mines Theses accounts are not mines. 
My identity was stolen.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I formally informed the creditor, Attorney XXXX XXXX, via email, that I was financially unable to continue payment and would represent myself. This communication clearly stated I could not pay the remaining balance. 

On XX/XX/XXXX, XXXX XXXX issued a closing letter acknowledging this and expressing appreciation for my prior payment of {$6300.00}, without any demand for further payment or indication of future collection. 

There was no attempt to collect or communicate regarding this alleged debt for over XXXX years, until a collection letter was sent in XXXX by a collections First Federal Credit Control No signed agreement or reaffirmation exists showing I agreed to pay the disputed balance after the XXXX communication. They call me XXXX times a day, for something that i dont owe. I told the laywer, and she just said that she send to collections, something that i dont owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I formally disputed inaccurate information on my TransUnion credit report, including accounts I did not open and outdated data. Despite following proper procedures and submitting proof, TransUnion has taken no action. The inaccurate data continues to reflect on my report, and I have not received any meaningful response or evidence of reinvestigation. This failure to act demonstrates negligence and noncompliance with FCRA regulations.

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 2025-07-25 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 am not linked to these accounts in any way. They are clearly the result of identity theft. I request both their removal and a formal investigation. Attached are my supporting documents.

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 2025-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Im response to claim number XXXX : Objection : The accuser already stated in response to a previous complaint submitted that they did not have first hand knowledge that an original contract along with its alleged promissory note were executed by me. Therefore the accuser continues to make false allegations, and statements involving a debt owed. The accuser refuses to provide the financial records which proved the money came out of the accusers account. Also the accuser continues to utter complete counterfeit documents with hypothecated forged signatures as fraudulent/bad checks which derived from original documents in question in which they refuse to produce.

Company response to consumer: Closed with explanation