vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX Phone : ( XXXX ) XXXX [ Date ] To Whom It May Concern, This letter is a formal request pursuant to 15 U.S. Code 1681c-2 to block and remove all fraudulent information that resulted from identity theft from my credit report. 

I am a victim of identity theft. I have reviewed my credit file and identified the following accounts and/or inquiries as fraudulent and not authorized by me. 

In accordance with my rights under 15 U.S.C. 1681c-2, I am requesting the immediate blocking and deletion of all fraudulent accounts and related data. Enclosed are the following as required by law : A copy of my FTC Identity Theft Report A government-issued ID A copy of my Social Security card Proof of my current address Please note : A police report is not required under federal law when a valid Identity Theft Report has been submitted to the Federal Trade Commission XXXX FTC ) XXXX which I have provided. 

You are required to block and remove this fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving this request, as mandated by the FCRA. 

Failure to comply with this request is a violation of federal law and may result in legal action. 

Please confirm in writing once the fraudulent items have been blocked from my file. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Government-issued ID Social Security card Proof of address

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 2025-07-18 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-18 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NV

Complaint narrative:
Never received any written notification of debt. Received a call yesterday at work being threatened by company also threatening to go after family members that have nothing to do with debt. Very verbally abusive. Unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Back in XX/XX/year> I had an account with Chimes. My income tax was deposit in to my account. Shortly after that my account was closed and I was instructed I would received the money that was in the account mail to me. Well moving forward they ask me to prove my identity and to where the money came from. I sent all documents requested in a timely manor, any time they ask for a document I would send. It has been XXXX XXXX  and still has of today have not received my funds from my account. I even contacted the IRS to see if it was sent back to them. The rep from the IRS inform me to file a civil suit. I have been going back and forth with Chime. I even recently try to update my address and phone number and the rep from Chime name was XXXX and he said I could not update anything or inquire about the funds that was in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
on XX/XX/year> I sent {$75.00} USD to a Zelle account for a credenza off of facebook marketplace. The money was transferred to a XXXX XXXX XXXX. It was only half of the amount of money for the entire purchase. After the zelle came through I got a whatsapp confirmation XXXX from their account to send to them. Once I sent the whatsapp confirmation they then deleted the XXXX marketplace listing and all communication was cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please accept this complaint as the dispute on the account that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : 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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Subject : XXXX  Reporting Forged Contract, Ignoring CFPB Complaint Request for Enforcement Filed Against : Toyota Motor Credit Corporation ( TMCC ) Account Number : XXXX Federal Case Number : XXXX Original Complaint Filed : XX/XX/XXXX Complaint : Toyota Motor Credit Corporation XXXX XXXX XXXX is knowingly furnishing a fraudulent auto loan account to the credit bureaus based on a forged contract dated XX/XX/XXXX. I originally signed a contract on XX/XX/XXXX. XXXX then altered the terms and fabricated a second contract with a different co-signer signature, adjusted interest rate, payment schedule, and forged date. 

I have submitted this issue as part of a federal civil case currently active in the XXXX XXXX XXXX ( XXXX XXXX. XXXX ). A certified forensic document XXXX has already confirmed the XX/XX/XXXX contract is fraudulent. 

Despite this, XXXX continues to report the loan to TransUnion as a {$120000.00} charge-off. Their actions are causing ongoing and substantial harm to my credit profile and financial wellbeing. 

Critical Update : I filed a CFPB complaint on XX/XX/XXXX. XXXX has failed to respond, which violates CFPBs rules and demonstrates intentional evasion of federal oversight. Their silence, combined with the submission of forged documents and false reporting, requires immediate enforcement intervention. 

Requested Resolution : Initiate enforcement action or regulatory pressure for TMCCs failure to respond. 

Compel TMCC to remove the fraudulent tradeline from all credit bureaus. 

Require TMCC to stop furnishing data based on the forged XX/XX/XXXX contract. 

Provide me with an official response and outcome update from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a loan with XXXX XXXX. After paying for a while. I several attempts to get my loan refinanced. They NEVER WOULD & would not give me a reason, earlier this year, the XXXX PRETENDED ( deceived me ) to actually give me a refi that would allow me to pay XXXX instead of XXXX. In actuality she had not. I paid XXXX or XXXX a couple of times & then she told me that I had not been refinanced at all & revealed that the amount of XXXX was overdue/behind. As it is, Ive been paying for years, nothing but interest to which theyre are compounding more interest. If you get behind once ; you would never be able to pay off the principle. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Update on XXXX XXXX Credit Acceptance Corporation XXXX XXXX # : XXXX I am updating my complaint to include additional serious issues. 

On XX/XX/XXXX, I retrieved my XXXX XXXX XXXX from auction after an improper repossession ( while an investigation was active ). Upon recovery, I discovered : Driver-side bumper damage, missing bumper frame piece Driver-side mirror removed and replaced with a different mirror ; original left inside car XXXX trashed and personal property missing, including my XXXX XXXX prescribed EpiPen ICU Towing and XXXX NY XXXX XXXX handled the vehicle while XXXX XXXX XXXX XXXX. XXXX XXXX claims its photos show good condition, while XXXX claims it was delivered damaged. 

I immediately filed a claim and submitted photos to XXXX XXXX, but I have received no resolution or reimbursement for damages or missing property. The repossession dispute remains unresolved, and the incident caused financial hardship and safety concerns due to the missing medication. 

I am requesting CFPB oversight to ensure : XXXX. Full investigation and accountability for damage and missing property XXXX. Reimbursement for repairs and stolen items XXXX. Prevention of any negative credit reporting tied to this repossession dispute Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting Experian to delete the late payments of this account : XXXX XXXX XXXX Account number : XXXX Balance : {$10000.00} Date Opened : XXXX XXXX Please delete this collection off my credit report : Name : XXXX Asset Solution Account number : XXXX Date Opened : XXXX XXXX I have never given my consent for this companies to use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NY

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 2025-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my fifth attempt to resolve an issue regarding the inaccurate reporting of an account listed as XXXX  XXXX by the credit bureaus : TransUnion, Experian, and Equifax. Despite my previous dispute efforts, this account continues to reflect inconsistent and incorrect information across my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ) and Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Disputed Inaccuracies : Credit Limit is reported as {$0.00} on Equifax, but {$400.00} on XXXX XXXX XXXX. High Credit is reported as {$0.00} on XXXX, but {$600.00} on TransUnion and Equifax. Last Reported Date varies across all three bureaus : XX/XX/2025 ( TU ), XX/XX/2025 ( EXP ), and XX/XX/2025 ( EFX ). Last Active and Last Payment Dates are not uniform between reports, and do not appear to match the charge-off timeline. These inconsistencies are material and affect how lenders view my creditworthiness. The FCRA mandates that the information furnished be accurate and complete. Multiple discrepancies violate that standard. What Im Requesting : I am formally requesting that the CFPB assist in ensuring the credit bureaus either : Provide documentation from XXXX that verifies the full accuracy of the reporting, or Delete the account from my credit file if it can not be verified as 100 % accurate across all three bureaus. Ive given the credit bureaus ample time to investigate and correct these errors. Yet, they continue to allow inaccurate and conflicting data to remain, which is harming my credit standing. Supporting Information : Please see the attached screenshot of the account as currently reported, highlighting the issue Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: RI

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 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 2025-07-18 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: FL

Complaint narrative:
I am a verified survivor of human trafficking and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my Self-Attestation form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take XXXX  to XXXX  days to investigate. This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. Equifax 's failure to properly process my trafficking-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

XXXX XXXX XXXX Acct. # XXXX

Company response to consumer: Closed with explanation