vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: YSA ARM LLC DBA Oxygen XL
State: TX

Complaint narrative:
Around XX/XX/year>, Oxygen XL furnished a {$270.00} collection tradeline to XXXX  without first sending me a legally required validation notice. I was never contacted or given an opportunity to dispute before the tradeline appeared, violating the No Parking Rule under 12 C.F.R. 1006.30 ( a ) ( 1 ). This failure to notify is also a deceptive and misleading collection practice under FDCPA 1692e.

The tradeline itself is inaccurate, incomplete, and misleading under FCRA 1681e ( b ), 1681i, and 1681s2 ( b ). It reports a balance higher than the original, with no itemization, no Date of First Delinquency ( DOFD ), no monthly payment history, and no documentation showing how or when it became a collection. 

On XX/XX/year>, I sent certified dispute and validation demand letters to all three addresses associated with Oxygen XL / YSA ARM LLC including XXXX XXXX, NY ; XXXX, OR ; and XXXX, NJ requesting proof of ownership, itemization, and evidence that any notice was sent before reporting. I asked for mail logs or delivery confirmation to prove compliance with the law. To date, no documentation has been provided, and the tradeline remains. 

If this is not promptly corrected and deleted, I intend to pursue legal action for violations of the FDCPA, FCRA, and relevant state consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
A debt is being inaccurately reported on my credit report by Aldous & Associates. 

A court order from an unlawful detainer action expressly removed me from the lease and established that I am not legally responsible for this debt. Liability was assigned solely to XXXX XXXX. 

Despite receiving written notice and a copy of the court order, Aldous & Associates continues to report this account under my name, causing financial harm.

This is inaccurate credit reporting in violation of the Fair Credit Reporting Act. I am requesting immediate removal of this account from my credit report and written confirmation of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Infiniti Financial Services charged my lease account {$510.00} as a Misc Fee, stating it is for an NTTA toll citation. Infiniti provided a citation number and plate number.

I contacted NTTA directly, and NTTA confirmed that the citation number provided does not exist in their system. The plate number listed by Infiniti has never been assigned to me or to any vehicle I have driven.

I have never received an NTTA notice, my toll history is clean, and NTTA can not locate any citation tied to my name, VIN, or vehicle. This charge appears to have been misapplied to my account in error and belongs to a different vehicle or customer. 

I notified Infiniti Financial Services of this issue and opened an investigation, but weeks later the charge remains with no resolution and no documentation provided. 

I am requesting removal of the {$510.00} charge and written confirmation that my account has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 am the victim of confirmed identity theft and submitted a valid FTC Identity Theft Report, identification, and a formal written request to block fraudulent accounts under 15 U.S.C. 1681c-2. 

Despite receiving all required documentation, TransUnion refused to block the fraudulent accounts, issuing boilerplate denials that falsely claim the dispute was submitted by an unauthorized third party. 

This justification is not recognized under the Fair Credit Reporting Act. The FCRA does not prohibit a consumer from receiving assistance, nor does it allow a CRA to deny a mandatory identity-theft block based on speculation, account history, or prior disputes. 

TransUnion explicitly acknowledged receipt of my fraud documentation yet declined to block the accounts, alleging misrepresentation of material fact without identifying any false statement or contradictory evidence. This constitutes a willful failure to comply with : 15 U.S.C. 1681c-2 ( a ) mandatory blocking of identity-theft information 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation The accounts that remain unlawfully reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each account is listed in my FTC Identity Theft Report and was opened without my authorization. 

The continued reporting of these accounts has caused ongoing financial harm. I am requesting CFPB intervention to compel immediate compliance and to preserve this record for enforcement and civil remedies.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Over the past year, there have been fraudulent charges on my card amounting to over {$6300.00}. I filed a dispute with Wells Fargo and the investigation of the charges has been in effect for over 4 months and their customer service and fraud claims department have done nothing to justify the charges as being real or valid. My outstanding balance now is {$6300.00} Through phone calls and written correspondence, Wells Fargo has stated their policy and practice is " you will NOT be charged any finance charges or fees while the dispute is under investigation '' ; however, I have been charged a total of {$230.00} on both my XXXX and XX/XX/XXXX statements in violation of Wells Fargo 's own policies and written statements from their claims department. Of the {$6300.00}, ONLY {$1300.00} are valid charges made by myself, the rest are all fraudulent. Trying to resolve this issue, I have offered to pay the {$1300.00} ( which are my charges ) and close the account. No one at Wells Fargo claims to have the authority to remove the interest charges from my account ( or they just won't ), and no one from Wells Fargo has accepted my offer to resolve the situation or offered a counter proposal. I've escalated the claim 3 different times with no success. I just want this resolved and be able to get far away from doing any business with Wells Fargo in the future.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander accepted payment after a recorded call that referenced conditional approval ( if approved ) and did not disclose a full payoff requirement. Santander later denied reinstatement, claimed internal record issues, reviewed the wrong call, and is proceeding toward auction on XX/XX/XXXX while retaining funds. 

Santander admitted the inducing call did not mention full payoff yet imposed it retroactively after accepting payment. Requests for auction hold and accommodation were refused. 

I am requesting CFPB intervention to halt the auction, require refund of funds, and correct unfair servicing practices involving reliance and recordkeeping failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
We ended our lease at XXXX in XXXX of XXXX with written notice given to the office in XXXX of XXXX ( more than 30 days notice ). The signed notice was given directly to staff in the office, and move out inspection was completed ( but is incorrectly marked for XX/XX/XXXX, 8 months after move out was completed ). After we moved out, the company reached out to say that they didn't have a record of the notice, and that the management of the property when we resided there was no longer the company managing it. A new company had taken over, and couldn't find the notice either, and has been billing us for this with the current amount at {$22000.00}. This is a reflection of charges from XX/XX/XXXX through XX/XX/XXXX. I have tried to contact the office several time ( XXXX ) XXXX but have not received a call back or response of any kind. I reached out in XXXX of XXXX, and also have not received a response. On XX/XX/XXXX, this debt was added to my credit and is still on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-24 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: MI

Complaint narrative:
I am writing to formally request that a consumer dispute or. CONSUMER DISPUTES THIS ACCOUNT INFORMATION be added to my TransUnion credit report regarding my City Street account. This dispute information has already been reported by other credit bureaus and credit unions, but it has not yet been reflected on TransUnion. 

Please ensure that the dispute notation is added to my TransUnion file to accurately reflect the status of this account. Thank you for your time and assistance.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I was contacted by a debt collector by email to obtain payment of {$1300.00} for a debt owed to a previous landlord who filed an illegal eviction to obtain judgment via identity theft of my personal identifiable information the landlord refused to return to me upon moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: NJ

Complaint narrative:
Cherry Technologies LLC I was misled into a loan agreement through XXXX XXXX XXXX without informed consent. The consultant represented the agreement as a simple monthly payment plan and failed to disclose that it was a third-party loan reported to credit bureaus. 

I discovered the loan only after receiving a credit alert two months later. Cherry Technologies LLC has refused to conduct a reasonable investigation or provide proof of authorization. 

This constitutes violations of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting investigation, correction or removal of inaccurate credit reporting, and written proof of consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/XXXX : I order cards for authorized users. 

XX/XX/XXXX : I get notification that first authorized user card has arrived. I check my mail and there is no card found. So I wait. 

XX/XX/XXXX : I get notification that the other two authorized user cards have arrived. I check my mail and there is no card found. So I wait. 

XX/XX/XXXX : I see huge charges on these cards and get mail from Robinhood saying they were declined. I reach out tot he company but can't get any human on the line and can not get a straight answer from them. There are still charges being made. 

XX/XX/XXXX : I speak to a human -- I'm told ( on a recorded line ) that the cards are locked and the info is passed to a fraud team and I should get a response in 1 business day. 

XX/XX/XXXX : No response from the team. I again I speak to a human -- I'm told ( on a recorded line ) that the cards are locked and the info is passed to a fraud team and I should get a response in 1 business day. 

XX/XX/XXXX : No response. I still see finance advance charges on my card from the company for things I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Furnisher has failed to provide valid documentation proving accuracy and continues to report information that is mathematically inconsistent/ missing required fields / contradictory. This is continued furnishing of inaccurate data in violation of FCRA 607 ( b ), 611 ( a ), and 623. The furnisher changed late payments multiple times and still reporting XXXX but claims no late payments. this account is causing credit harm and issues in my daily financial life. Also accounts reporting with no XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
Furnisher has failed to provide valid documentation proving accuracy and continues to report information that is mathematically inconsistent/ missing required fields / contradictory. This is continued furnishing of inaccurate data in violation of FCRA 607 ( b ), 611 ( a ), and 623. The furnisher changed late payments multiple times and still reporting XXXX but claims no late payments. this account is causing credit harm and issues in my daily financial life. Also accounts reporting with no 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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XX/XX/year> a card was opened under my name by an employee of XXXX XXXX ( XXXX XXXX XXXX ) that I did not authorize or apply for. This employee is a former friend, and has done this before to myself and other friend, both successfully and unsuccessfully. I have never had access to this card, and I did not know it existed until the collection notice showed up on my credit report. I have tried disputing this in the past, and it has not worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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