vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard 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 XXXXXX/XX/XXXX These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting my account ( Account # XXXX XXXX ) as charged off / profit and loss write-off with a reported balance of {$1200.00}. Under IRS law ( 26 U.S.C. 6050P ), if this debt was truly written off, the credit union was required to issue me a Form 1099-C. I never received such documentation. 

This reporting is misleading and incomplete because they are both : Claiming a profit/loss write-off, and Still reporting that I owe the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve these inaccuracies ; otherwise, you must delete them from my credit report. 

XXXX  PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This constitutes a violation of the Fair Credit Reporting Act, Section XXXX ( c ), and a serious breach of my privacy rights. 

Please validate this information with the companies and provide me with copies of any documentation associated with these inquiries that bears my signature authorizing them. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

The FCRA states that the only purposes for pulling a credit report are : A firm offer of XXXX XXXX XXXX order Employment I am unaware of the inquiries listed below. Since I never authorized them, I demand that your agency remove them from my credit report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent accounts. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must remove the account ( XXXX ) listed. 

I demand that the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX IMPORTANT NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. 

I am also aware that no statute in the FCRA requires that I provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my letters.

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 2025-09-24 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: TX

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve these inaccuracies ; otherwise, you must delete them from my credit report. 

XXXX  PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This constitutes a violation of the Fair Credit Reporting Act, Section XXXX ( c ), and a serious breach of my privacy rights. 

Please validate this information with the companies and provide me with copies of any documentation associated with these inquiries that bears my signature authorizing them. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

The FCRA states that the only purposes for pulling a credit report are : A firm offer of XXXX XXXX XXXX order Employment I am unaware of the inquiries listed below. Since I never authorized them, I demand that your agency remove them from my credit report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent accounts. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must remove the account ( XXXX ) listed. 

I demand that the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX IMPORTANT NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. 

I am also aware that no statute in the FCRA requires that I provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my letters.

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 2025-09-24 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: MI

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
I have disputed this debt multiple multiple times. XXXX XXXX gave me a loan for a car that was broken do not tell me they didnt know. They knew. I was XXXX XXXX XXXX  just trying to get a new vehicle for a baby on the way, and 2 weeks later the engine light is on and a month later the car doesnt drive it needed a new transmission, engine, and turbos. I called them multiple times to see if I could get help because the last thing I wanted was a repossession, as I am also dealing with health problems and XXXX they told me no. They dont answer or they act like they dont know wha they are talking about. After deciding and trying whatever I can do to not have a repossession as my car payment is {$900.00} I couldnt afford to just go and purchase $ XXXX in parts. I was already upside down in the car loan by DOUBLE the amount of the car they decided to give this loan out as well knowing that. I eventually had no option but to call them and say I wanted to do a voluntary repossession. This isnt marked as a voluntary repossession on my credit report, the amount due is not correct, the last payment is the date of when they sold it at auction which is not correct, they dont have my payments on file on my credit report. I have multiple times emailed and asked for debt validation and have received nothing from them. I said if you cant provide this information I would like this to be removed or update the information to the correct information and they have declined and not provided correct information. This company is terrible to work with I will never recommend them. I dont understand how people can do these things to people who are genuinely vulnerable and then they get to laugh it off while I sit here and I have to suffer because I cant do anything with this being on my credit report. Ive been dang near homeless multiple times because I will never get approved for a loan and Im not just saying that I have been told that. Im not naming names but I have been told that it would have been better to crash the car, and its sad that the best option was crashing the vehicle. Truly sickening. Its sick that Im doing my best to simply survive and this debt has to define me its been 3 years and I still have 4 more to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Michael Wayne Investment
State: VA

Complaint narrative:
My vehicle was repossessed in XXXX  by XXXX XXXX Over a year later, in XX/XX/XXXX, during the COVID-19 pandemic and just months after I gave birth, a court judgment was entered in XXXX  XXXX without proper notification or service to me. I live in XXXX, VA and was completely unaware of this case. 

I never received any court documents, was not served, and did not have the chance to dispute the debt. Then, in XX/XX/XXXX, I was shocked to receive a wage garnishment notice from my employer, stating that I owe over {$23000.00} including more than {$12000.00} in interest despite the car being repossessed years ago. 

The garnishment was processed by my payroll provider without proper notice. I was told it was sent to my work email, not my personal email ( which is listed on file ). I only found out the day before my payroll cutoff and had no way to stop it. 

I believe this is an unfair and deceptive collection practice. They are attempting to collect the entire value of the car plus interest after repossessing the vehicle. I am now filing a Motion to Vacate Judgment and seeking legal advice.

Please investigate this company and assist in preventing further garnishment while the underlying case is being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am a victim of identity theft and recently a victim of a data breach on which all of my personal information had been exposed and there is an account being reported that does not belong to me. Under FCRA 623 ( a ) ( 8 ) and 623 ( b ) you are required to cease reporting this fraudulent account and to conduct a reasonable investigation. Any continued reporting or collection efforts will constitute willful non-compliance under 15 USC 1681n,1681o. NAVY FEDERAL CREDIT Account Number : ( XXXX  ). 

I am the victim of identity theft and a data breach. A fraudulent account was opened and reported by NAVY FEDERAL CREDIT without my knowledge, authorization, or consent. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documentation, NAVY FEDERAL CREDIT has continued to furnish this fraudulent information to Equifax.

Violations include : FCRA 623 ( a ) ( 6 ) : Furnishing information known to be the result of identity theft.

FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a direct dispute.

FCRA 623 ( b ) : Failure to investigate and correct inaccurate information furnished to credit bureaus. 
NAVY FEDERAL CREDIT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that NAVY FEDERAL CREDIT immediately : 1.Permanently block and delete the fraudulent account.

2.Cease furnishing this account to XXXX.

3.Provide written confirmation that the account has been removed and will not be pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I paid for all merchadise by mail on XX/XX/year>, leaving out a statement fee of {$2.00} that I never asked for or authorized, from XX/XX/XXXX a full 8 days prior to its due date. Comenity bank did not post the payment until XXXX either due to fraudulent reasons or inadequte posting procedures or total incompetence. I could peddle my bike fromXX/XX/XXXX in fewer than XXXXen days! I never received a statement from them until mid XXXX so I had no idea there was a " problem, because I had also ordered them to close the account. I had to go to their web site to obtain a detailed analysis of the account myself a couple of days ago. The current balance of {$110.00} is all interest and fees. Additionally, I am being harassed by text messages, emails and phone calls, now direct mail.I have emailed them now twice and told them the charges are erroneous and received no response. Additionally I ordered them to stop all contacti with me me, that I will not pay what I do not owe. Yet the harassment continues. They have never spoken to me nor sent a validation notice, so I believe they have broken Federal Law in several ways.Now they have filed with credit agencies damaging my * XXXX rating by XXXX points. These fraudulent charges need to be reversed and my credit rating needs to be restored! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I made a payment in full in order to pay off my credit cards, this card was I believe {$210.00}, they lost that and in the process of sorting out how to reestablish the payment I was charged an addition {$3.00} fee, which I also paid in XXXX of XXXX. I called XXXX XXXX XXXX  on XX/XX/year> to ask why my credit report still shows an unpaid balance of {$210.00} and was informed that the system shows my account as closed and deleted from their system so they can not access any past or updated account statements. the only thing they could do to assist was for me to mail a copy of my credit report so they could verify the information as opposed to just updating the credit report, which they have not done in the last 5 almost 6 months. I had even submitted a dispute with Equifax regarding this balance in XXXX of XXXX  and XXXX XXXX still reported the full balance as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am a documented victim of identity theft. An account was fraudulently reported in my name by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of {$10000.00} and a first delinquency in XX/XX/XXXX. I never opened this account, authorized it, or had a relationship with this company. 

On XX/XX/XXXX, i filed an FTC Identity Theft Report under penalty of perjury, identifying this XXXX account as fraudulent. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once a consumer provides an Identity Theft Report, the credit reporting agencies must block the fraudulent tradeline within 4 business days. 

Despite this, Equifax continues to publish this account on my credit report ( see attached Equifax credit file excerpt dated XX/XX/XXXX ). 
This violates FCRA 605B and FCRA 1681e ( b ). 

I also received confirmation that my personal information was compromised in the Equifax Breach Settlement ( see attached letter ) which further supports that this account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT 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

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 2025-09-24 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 formally contest the reporting of unauthorized accounts under my profile. Kindly examine closely and remove them. Supporting records are enclosed.

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