vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX OH XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A fraudulent account was reported to the credit bureaus in my name, and I had no part in opening or managing it. This is a result of identity misuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint regarding serious concerns with my auto loan through Honda Financial Services. 

In XXXX, I financed a Honda vehicle with approximately XXXX miles listed, but the odometer at delivery showed only XXXX miles. I was given an APR of 26 %, with a monthly payment of {$680.00} which I now understand is excessive for the vehicle type, model year, and my credit standing. Despite this, Honda Financial Services has denied any efforts on my part to refinance or adjust the terms of the loan. 

Since the start of the loan, I have struggled to keep up with the payments due to unforeseen financial hardship. I have attempted to catch up by making large monthly payments even resorting to taking out personal loans to do so. However, every time I pay, I find that the next months bill includes additional late fees stacked on top of the regular monthly payment. My monthly bill has now ballooned to nearly {$2000.00}, far beyond the original {$680.00}. These late fees and missed payments are constantly rolled into future bills, creating a cycle of debt I can not break. 

This practice where late fees are compounded and added to future billing cycles despite large catch-up payments appears predatory and may violate several consumer protection laws. Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, I have the right to clear and accurate disclosure of all finance charges and how they are calculated. Additionally, the stacking of fees and the lack of meaningful assistance may constitute unfair or deceptive practices under the Federal Trade Commission Act ( 15 U.S.C. 45 ). 

Despite multiple attempts to contact the lender, I have also not received a clear answer as to who is currently servicing my loan or where exactly my payments are going. I have been denied access to key loan documents, and I have not received any breakdown of how interest, fees, and penalties are being applied. This lack of transparency may violate provisions under Regulation Z ( 12 CFR 1026 ) and the Fair Credit Billing Act, which require proper servicing disclosures and prompt resolution of billing disputes. 

I made multiple attempts to reach out directly to my assigned loan agent via text to ask for help with modifying payment dates, addressing late fees, or discussing a possible refinance. I received no response. Even after explaining my situation and asking for assistance, no one followed up with options. Instead, the account was repeatedly penalized with fees and increased balances. I have never been offered a deferral, hardship program, or any flexibility only further penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
We closed on mortgage on XX/XX/XXXX. Starting XX/XX/XXXX, I began contacting our mortgage company to recast our loan. We have called them now approximately XXXX times and gotten XXXX different ways of recasting our loan. We were told to send in a payment larger than {$5000.00} and a check for {$250.00}, which we did and all that happened was that the principle was paid down. The {$250.00} recasting fee was applied to our principle as well, despite our wishes that it be used for the recasting fee. We have been given the runaround so very many times. Today, an agent told us to send in a signed recasting document, which we did but I do not think they will help us or allow us to recast our mortgage. I don't know why they are doing this. I was also told today by my new town clerk that our taxes were not paid for XX/XX/XXXX, though on the website it shows that the money was taken from our escrow account. We can not get any work permits to make repairs on our house because the town states we have not paid our taxes. What can we do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 did not open these accounts, which appear to be fraudulent. In accordance with USC 1681g, I request their removal within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent {$200.00} via XXXX through my Wells Fargo account to a person who promised to provide a service. After the payment was made, I did not receive what was promised, and the person has since refused to return the money. I have contacted the individual multiple times, and they have acknowledged receiving the funds but have not refunded me. 

I reported the incident to Wells Fargo and filed a fraud claim, which was later denied. I provided evidence including screenshots of our conversation and the payment confirmation. Despite this, Wells Fargo concluded the transaction was authorized and denied my claim. 

However, while I authorized the payment, it was made under false pretenses, and I did not receive any goods or services in return. I have also filed complaints with the FTC and FBI and am preparing to file a police report. 

I am requesting Wells Fargo reconsider the claim, given that this is a clear case of fraud and misrepresentation. I would like assistance in recovering the {$200.00} and holding the responsible party accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Unexpected requests have arrived and might lack approval. Please examine the documents now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Public Record XXXX  XXXX Bankruptcy RE : Public Record Reference # XXXX To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i regarding the inaccurate reporting of a XXXX  XXXX Bankruptcy on my credit report. 

Upon reviewing my Equifax credit file, I have discovered multiple violations and reporting discrepancies that are negatively affecting my consumer profile. Please review the following issues : Identified Reporting Errors : Inconsistent Date Filed : Equifax reports the bankruptcy filed on XX/XX/XXXX, while both Experian and TransUnion report XX/XX/XXXX. 
This discrepancy affects the legal duration the item may remain on file under FCRA 605.

Improper Court Naming : The listing simply states Federal instead of the proper legal format, such as U.S. Bankruptcy Court Northern District of Illinois. 
This is a violation of XXXX XXXX formatting standards and lacks clarity for consumers. 
Inconsistent or Fabricated Case Number Format : Equifax reports the case number as XXXX, which does not align with the standard federal case number format found on PACER, the official court system.

Verification Source Not Identified : As required under FCRA 609 ( a ) ( 1 ), I am demanding disclosure of the method and source of verification.

Did Equifax retrieve this directly from PACER or from a third-party vendor ( e.g., LexisNexis ) ?

I demand a certified copy of the discharge paperwork, as well as the docket report, showing this public record was directly verified with the federal court.

Demand for Full Verification : Please provide : The full name, position, and contact information of the individual or entity that verified this record A copy of the original court-filed documents ( discharge, filing, docket sheet ) Proof of direct access to the court through PACER A corrected filing date if found in error, or immediate removal if proper verification can not be obtained If this record is not verified by the original source with legal documentation within 30 days of receipt of this notice, I request its immediate permanent deletion from my Equifax credit file under FCRA 611 ( a ).

Failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and may lead to further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving XXXX XXXX XXXX, disclosed in XX/XX/2025. 
As reported, the breach involved unauthorized access via a third-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from XXXX. 
Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of a bankruptcy filing and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise.

I am respectfully requesting the CFPBs support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and bankruptcies.

Assisting in the removal or correction of erroneous information on my credit report, specifically the bankruptcy and associated affected accounts. 
Ensuring XXXX and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. 
Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. 
Please find enclosed documentation supporting my claim, including breach notification, copies of my credit report, and correspondence with XXXX and the bureaus. 
I appreciate your time and effort in addressing this urgent matter. 
Sincerely 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 2025-08-06 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:
This morning, I saw inaccurate accounts listed on my credit report and Im not sure why theyre there. I checked my report like I normally do, but this time there were unexpected discrepancies. I even refreshed the browser thinking it might be a glitch, but nothing changedthe incorrect accounts remained. Because of this, Im requesting a thorough review of the documents Ive submitted to make sure this issue is properly addressed and doesnt continue to cause me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation