vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am submitting this complaint against Chase Auto Finance, my auto loan provider, regarding their ongoing failure to process a title transfer, which has now resulted in serious consequences for me as a consumer. 

I have been attempting to transfer my vehicle title from Michigan to Indiana for over a month and a half, and the process has been delayed due entirely to Chases failure to initiate the request in a timely and accurate manner. 

While I was repeatedly told by Chase that the title request had been submitted and that there was nothing more they could do, I was later informed by a Chase supervisor that the title request had not even been submitted in the first place. It had to be reopened and processed well after my initial attempts to resolve the issue. This contradicts the information I was previously given and proves that the delay was due to Chases internal error. 

Because of this negligence : I have paid my license renewal fees twice just to stay compliant. 
I have exhausted all temporary registration extensions with the Indiana XXXX. 
I am now at risk of being unable to legally drive my vehicle. 
And most recently, I received a warning from my apartment management that vehicles not registered in the state will be towed. This means I am now at risk of losing access to my car entirely despite making all required loan payments and doing everything I can on my part. 

This has caused financial strain, stress, loss of time, and potential property risk all due to Chase Auto Finances lack of follow-through, transparency, and accountability. 

I am respectfully asking the CFPB to investigate Chases mishandling of this title transfer process, and to consider requiring : An explanation and formal acknowledgment of the delay, and A goodwill credit or compensation due to the hardship their error has caused. 

I am available to provide additional documentation, call logs, or correspondence as needed. Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was on leave for family bonding and was approved for paid time off by California EDD. I opted for the debit card. I never received the card. I called money network and they stated that the card was delivered, activated and had several ATM transactions from several locations as well as XXXX XXXX transaction. The total is {$8400.00}. I filed a dispute. Was told I would get a provisional credit in 10 days. Called back in the XXXX day and was told that my dispute was still pending and can take XXXX days and not guaranteed. Money Network would not give me a number to call to find an update on the dispute. I now am overdrawn on my accounts and late on bills. Below are the dates and transactions. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute the validity of a charged-off account in the amount of {$1200.00}. I have reason to believe this account was opened and used fraudulently and without my knowledge or authorization. 

This debt is not mine and appears to be the result of identity theft. I did not open this account, nor did I authorize any transactions associated with it. As such, I am requesting immediate removal of this account from my credit file and a full investigation into the matter under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXXXXXX  ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681s-2 ( a ) ( 6 ), I have the legal right to request the immediate removal of any information on my credit report that resulted from identity theft. 

Timeline : On XXXX, XXXX, I submitted an FTC Identity Theft Report and provided it to the credit bureaus. 

I discovered numerous hard inquiries on my credit report that I did not authorize and that were the result of identity theft. 

I have attached my FTC Identity Theft Report and will also submit a police report if required for expedited removal. 

To date, these inquiries have not been removed despite my lawful request under FCRA and my rights under the FTC Identity Theft rules. 

Inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are the result of fraud and are causing ongoing harm, including credit denials, increased interest rates, emotional distress, and limiting my ability to secure safe housing. 

Legal Basis : Under the FCRA, I have the right to block fraudulent information resulting from identity theft ( 15 U.S.C. 1681c-2 ).

Credit bureaus are required to promptly block and remove fraudulent data upon receipt of a valid FTC Identity Theft Report. 

Under 12 CFR 1022.43, the bureaus must block these inquiries within 4 business days of receiving the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXXXXXX  ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681s-2 ( a ) ( 6 ), I have the legal right to request the immediate removal of any information on my credit report that resulted from identity theft. 

Timeline : On XXXX, XXXX, I submitted an FTC Identity Theft Report and provided it to the credit bureaus. 

I discovered numerous hard inquiries on my credit report that I did not authorize and that were the result of identity theft. 

I have attached my FTC Identity Theft Report and will also submit a police report if required for expedited removal. 

To date, these inquiries have not been removed despite my lawful request under FCRA and my rights under the FTC Identity Theft rules. 

Inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are the result of fraud and are causing ongoing harm, including credit denials, increased interest rates, emotional distress, and limiting my ability to secure safe housing. 

Legal Basis : Under the FCRA, I have the right to block fraudulent information resulting from identity theft ( 15 U.S.C. 1681c-2 ).

Credit bureaus are required to promptly block and remove fraudulent data upon receipt of a valid FTC Identity Theft Report. 

Under 12 CFR 1022.43, the bureaus must block these inquiries within 4 business days of receiving the required 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-07-09 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: MS

Complaint narrative:
I have previously disputed with 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 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 2025-07-09 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: MS

Complaint narrative:
I have previously disputed with 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 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 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: IL

Complaint narrative:
I am filing this complaint against Koalafi for deceptive and predatory business practices related to a lease-to-own agreement for home furniture, which includes a queen-sized bed, dresser, loveseat, and full-sized couch. 

At the time of signing, I was clearly told the total amount I would owe was {$3900.00}. This was the basis for my agreement. Since then, I have paid approximately {$6000.00} toward this lease. Despite this, I was recently notified that I owe an additional {$6600.00}, bringing the total cost to over $ XXXX than XXXX times what was initially represented. 

I was never clearly informed that this was a long-term lease that could escalate to such a high amount. No one explained that if I didnt buy out within a certain time frame, Id owe far more than expected. I was not given full disclosure, and I believe this practice is misleading, financially abusive, and potentially in violation of fair lending laws. 

I am requesting : 1. A full investigation into Koalafis lease and disclosure practices.

2. A review of my account and documentation to verify misrepresentation.

3. Immediate relief, including capping my total repayment at the original {$3900.00} and halting any further billing.

Koalafis lack of transparency, excessive markups, and unclear lease structure have caused me emotional and financial distress. I am a single mother of four and can not afford to be exploited by a company that refuses to act in good faith.

Please investigate this matter and take appropriate action to hold Koalafi accountable for their unethical conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: ME

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IA

Complaint narrative:
XXXX has refused to reimburse my deposit from XXXX up until XXXX. 7 months have passed and no attempt to resolve this issue.they inform me that the funds were deposited on my comedic account .. the very same account the closed in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I have noticed inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was alarmed to discover that my credit report has been accessed without my knowledge or consent. Applications were submitted in my name, and inquiries from companies I have never dealt with now appear on my report. I did not authorize these actions, nor have I applied for credit with these entities. This is a clear violation of my consumer rights and raises serious concerns about possible identity theft.

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 2025-07-09 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: NC

Complaint narrative:
My loan applications are being denied due to inaccurate information on my credit report. Ive met all of my financial obligations, yet these errors continue to block access to credit and have caused ongoing frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account took my XXXX and didnt refund it to me

Company response to consumer: Closed with explanation