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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 : INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this new complaint against capital one auto finance regarding my current auto loan. I previously filed a complaint and Capital Ones response was false, misleading and incomplete. 

I am filing this complaint against Capital One Auto Finance ( COAF ) for unfair and deceptive practices regarding my auto loan. Capital One is misreporting my payment history, deflecting responsibility for the loan terms, and ignoring the fact that the value of the vehicle is a fraction of the inflated amount financed. 

False Payment Reporting Capital Ones XX/XX/XXXX response claims my account is 123 days past due with last payment XX/XX/XXXX. This is false. 

I have made payments in XXXX, XXXX, XXXX, and XX/XX/XXXX and have another scheduled payment for XX/XX/XXXX, and I have attached confirmations proving this. 

By reporting inaccurately, Capital One is damaging my credit standing in violation of the Fair Credit Reporting Act ( FCRA ). 

Deflecting Responsibility to Dealer Capital One stated COAF was not present at the time of purchase and suggested I contact the dealership regarding the loan terms. 

This is misleading. Once Capital One accepted and funded the XXXX XXXX XXXX XXXX XXXX XXXX XXXX they became responsible for the accuracy and legality of the loan under the Truth in Lending Act ( TILA ) and FCRA. 

They can not avoid accountability by blaming the dealer while continuing to service the loan and report to credit bureaus. 

Predatory Interest Rate and Terms I was financed at 18.58 % XXXX, an extremely high rate for a used XXXX XXXX XXXX. Since purchase, I have paid thousands of dollars, yet the loan balance has barely moved because nearly every payment is applied primarily to interest. I provided documentation showing how much of my payments went entirely toward interest instead of principal. 

The original financed amount was {$19000.00}, but after years of payments, my balance remains inflated because most payments are applied almost entirely to interest. 

I currently owe several times more than the car is worth. 

The cars actual value is now less than {$2000.00} ( XXXX valued it at {$1600.00} and XXXX XXXX XXXX at {$2200.00} ). Yet my loan balance remains nearly {$20000.00}. This demonstrates severe loan flipping and predatory financing, where the terms were designed to keep me trapped in negative equity. 

This clearly demonstrates how the structure of the loan leaves me in a state of perpetual negative equity, a hallmark of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I filed a payment dispute on XX/XX/year>. Against a charge I had from a gaming account I purchased. The gaming account ended up being stolen so the orginal owner re claimed the account. As I was unaware when buying the account that it was stolen. Therefore as anyone would I filed a payment dispute as the company did not refund me. Now a couple weeks later chime denied my dispute without me ever being allowing to upload my information and evidence to support my claim. Therefore chime has broken several financial protection laws. Not allowing user of their bank to upload evidence to support their claim. So I would like them to re open this dispute and allow for me to upload my supporting evidence. 

By chime financial not approving this dispute they are directly supporting scammers taking their users money without any sort of protection.

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: IL

Complaint narrative:
i recently checked my credit report and noticed fraudulent accounts on my 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
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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Company has not responded instead attempts to collect on a debt they have recieved a tax break off of. They have written it as a loss and intentional reage the account which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: STEWARD FINANCIAL SERVICES LLC
State: TX

Complaint narrative:
XX/XX/year> my car was in a rear end collision, I notified my lienholder of the collision due to me having insurance through them. I have made payments of XXXX XXXXXXXX of this so called collateral insurance I have with them on top of my car payment. They told me to bring the car to them to get an estimate on the vehicle for insurance. Estimated for only {$3500.00}. The insurance sent an adjuster out & estimated the damages to {$10000.00}. Insurance claim the vehicle to be a total loss due to the car XXXX only being {$8600.00}. I purchase this car for {$10000.00} not including the principals, all in total I would have paid {$16000.00} on this vehicle. I signed for the total loss, but the lienholder wants to do an owners retain on the vehicle which trumps in his words my signature for the total loss & wants me to bring in more money for a downpayment & use my current vehicle as a trade in. I do not want to purchase another car through this company. The lienholder also refuses to give me the keys to the car for over a month now holding the car XXXX causing me to have to pay for rentals to get back to & from work. The car title has not even been perfected so I am still a temporary registrant on this vehicle & im unsure where my money is even going towards

Company response to consumer: Untimely response
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:
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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Maryland XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : Trafficking Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. Fraudulent inquiries HXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report XXXX. Fraudulent inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Please delete at once Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  documentation

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a fraudulent account that has been wrongly included in my credit report. I have no connection to this account, and I never authorized, opened, or managed it. Its reporting is factually false and is unfairly damaging my credit profile.

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: MO

Complaint narrative:
On a prior date, the account XXXX - XXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent. 
Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency Equifax stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within five ( 5 ) business days of the reinsertion, as required by FCRA 611 ( d ). 


No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within four ( 4 ) business days after receipt of an official FTC Identity Theft Report, and FCRA 623 ( a ) ( 3 ), which requires furnishers to update or correct previously disputed information. 
The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information. 
This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score. 


The disruption of a pending mortgage application. 


Financial and reputational damage to my credit profile. 


I have made multiple good-faith attempts to resolve this matter directly with the credit reporting agency , but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
This account does not belong to me. My Wife also had the same issue and was able to get this situation resolved. I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

Ive also attached my wife resolution to this complaint.

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Under the SCRA, all liabilities incurred prior to entering service are granted the 6 % interest rate cap. I have a car lease in which goes on a credit report, reports as a debt, and acts in every way like a liability. However, they are not affording the 6 % interest rate cap stating that car leases are not a liability.

Company response to consumer: Closed with explanation