vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-07-16 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 currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of he addresses that I wouldl like to have permanently deleted : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX,. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
XXXX only cares about making money nothing else. 
Since XX/XX/XXXX, when they received the payoff for the vehicle they sold me which, by the way, was a lemon constantly needing repairs nothing has been resolved. 
XXXX XXXX XXXX purchased the vehicle and sent the payoff check as early as XX/XX/year>. XXXX checks were sent to XXXX, but nobody was aware of them. Every customer service number led to the same automated responses or robots. 
I had to make multiple calls for someone to respond and for them to cash the check. The issue was resolved by the beginning of XX/XX/year>. 

I even received a text message from someone, but it turned out that the person didnt exist to help with the issue, apparently, and it was a fake text!. 

And now here we are XX/XX/year>, and the account for that car STILL hasn't been closed. It still shows an active balance, even though it has been paid in full for months. 

I've filed disputes. I've made calls. Nothing. 

Please help me show that the loan is PAID OFF XXXX balance. I am trying to rebuild my credit, and it's clear that they dont care about the damage theyre causing. 

Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
I'm constantly receiving advertisements from legal companies offering to represent me in a lawsuit that I have no notifications of. Before this gets out of hand and appears to be neglagent on the collection companies behalf I'd like to rectify the situation and understand more and possibly receive the legal paperwork I'm entitled to. That would be awesome. I'd also like this company to provide the following since I have no recollection of this account .. failure to do so will result in a lawsuit. There's no excuse about incorrect address or any other nonsense, since I'm receiving these advertisings to my address. 

1. Chain of assignment 2. Forward flow agreement 3. Proof you're a legal debt collector in the state of Arizona 4. Full and detailed account history from open to close of the account at question 5. My signature on the original documents of this alleged debt .. ( original document )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Received a default judgment in the mail today for consumer credit card debt for XXXX Credit Card. I never received service of process. The company claims in court documents that process was received on or about XX/XX/year>.

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 2025-07-16 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
XXXX XXXX and XXXX XXXX received a reported public record of XXXX  XXXX bankruptcy from XX/XX/XXXX from Lexis Nexis. The XXXX  XXXX bankruptcy is currently listed and showing on my XXXX XXXX and XXXX XXXX credit report. On my Lexis Nexis Consumer Report, theres no bankruptcy records on my consumer report. I want Lexis Nexis to immediately send notification to XXXX, XXXX  and XXXX XXXX to immediately delete and remove the following public records from my credit report : XXXX  XXXX Bankruptcy, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: NC

Complaint narrative:
I believe my student loan is predatory and should never have been issued. I attended XXXX XXXX XXXX, which was shut down for widespread fraud and deceptive practices. I was pressured into taking out what I believed was a federal student loan, but it turned out to be a high-interest private loan ( 11.5 % ) serviced by MOHELA and labeled as XXXX XXXX XXXX I was never clearly told it was a private loan, nor was I given a full explanation of the terms or the long-term financial impact. 

The school misrepresented job placement rates and program value, and I only agreed to the loan because I was told it was necessary to stay enrolled. After the schools closure, I received notice that I was no longer responsible for repayment, yet MOHELA continues to pursue collections. 

Even more distressing, my XXXX XXXX  who cosigned for me has been receiving multiple harassing calls per day from MOHELA despite formal requests to stop. This has caused both emotional and financial strain. I have submitted a dispute and cease-and-desist letter, and I am requesting immediate relief, investigation, and cancellation of this debt, which is directly tied to a fraudulent institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I paid off my car loan ( {$26000.00} ) with Huntington Bank on XX/XX/year> and it has since been sold. The bank sent the lien release to the the XXXX  XXXX XXXX XXXX XXXX which is incorrect. I owned and registered the vehicle in West Virginia and the release should have been sent to the WV XXXX  XXXX XXXX XXXX. I requested a new lien release on XXXX after I received a notice telling me they sent the release to the Ohio XXXX. Huntington Bank is telling me is that a new " case '' was opened and it will take XXXX - XXXX more weeks. This is COMPLETELY unacceptable. 

The WV XXXX requires a lien release with the XXXX printed on it and notarized. I have talked to multiple reps on the phone with Huntington Bank and went to my local Huntington Bank. No one at Huntington Bank will provide me with the release, I don't know what to do. This should be a simple process that my local bank can provide, type up the letter and notarized it, but they won't do it because that's " not their process. '' I just want the title of my vehicle so I can get it to the new owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. Because of this issue, I am asking that the documents I've sent will be investigated thoroughly so that I can never worry again about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
As a consumer protected under the Fair Credit Reporting Act, I have the right to accurate, authorized, and verified reporting on my credit file. I am writing to formally dispute a hard inquiry that I did not initiate or consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 XXXXXX/XX/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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a collection account that has been inaccurately reported under my credit file. I did not authorize, initiate, or benefit from this alleged account and am not legally obligated to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a XXXX of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Do not have a contract or agreement to allegedly debt. Would like to see signatures with my name about this account. Please show me the original contract.

15 U.S.C. 1692g 15 U.S.C. 1681e 15 U.S.C 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I AM FILING THE FTC IDENTITY THEFT AFFIDAVIT TO REPORT XXXX SEPARATE FRAUDULENT ACCOUNTS appearing on my consumer TENANT SCREENING CREDIT REPORT which I do not recognized.as reported and which are results of identity theft and fraud. I also contacted the courts that these companies claimed they received this fraudulent information, and the courts admitted that they do not give information to third party agencies. 
These fraudulent accounts consist of Civil Courts Record XXXX and Case XXXX. These accounts appearing on my Tenant Screening Consumer Reports has resulted as adverse information. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection cease per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this accounts have been permanently deleted from all credit files you maintain. 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 non-monetary relief
Consumer complaint received 2025-07-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX Synchrony Bank ( CareCredit ) Improper Credit Inquiries To Whom It May Concern : On behalf of XXXX XXXX XXXX, this document serves as a formal complaint against Synchrony Bank ( CareCredit ) for reporting willful and harmful inquiries to the credit bureaus. 

Despite XXXX XXXX XXXX attempt to negotiate a resolution plan, Synchrony Bank failed to respond or engage. Instead, it continued to report credit inquiries without explanationactions which have harmed her credit reputation and borrowing potential. 

Legal Basis & Consumer Harm : The FCRA mandates that inquiries should only be reported if the consumer initiated them with authorizationthis standard appears unmet. 
The furnishing of damaging information despite clear attempts at resolution is unfair and deceptive under the 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 2025-07-16 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-16 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief