vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the failure of Experian, Equifax, and TransUnion to remove inaccurate and fraudulent information from my credit reports, despite multiple disputes and the submission of a valid FTC Identity Theft Report and supporting documentation. 

I have disputed multiple accounts on each of my credit reports that are not mine or are inaccurately reported. In each case, I provided the following : A detailed identity theft report filed with the Federal Trade Commission ( FTC ) A written statement identifying the fraudulent or incorrect accounts Supporting documentation demonstrating that the information is inaccurate and/or does not belong to me Despite this, all three bureaus have returned the disputes as " verified, '' without providing any evidence of a reasonable investigation or explanation of how the information was verified. The accounts in question remain on my credit reports and are negatively affecting my credit, making it difficult for me to obtain necessary financing, including a mortgage loan.

This failure to correct or delete fraudulent and inaccurate information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to conduct a reasonable investigation under 15 U.S.C. 1681i Failure to block fraudulent information as required under 15 U.S.C. 1681c-2 Continuing to report information that has been shown to be the result of identity theft I am requesting the following corrective actions : Immediate deletion of all accounts I have disputed and identified as fraudulent/inaccurate.

A written response from each bureau explaining how the information was verified.

Confirmation that my credit files have been updated and are now accurate.

I am seeking assistance from the Consumer Financial Protection Bureau to ensure that the credit bureaus comply with federal law and correct these violations promptly. I can provide additional documentation upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the failure of Experian, Equifax, and TransUnion to remove inaccurate and fraudulent information from my credit reports, despite multiple disputes and the submission of a valid FTC Identity Theft Report and supporting documentation. 

I have disputed multiple accounts on each of my credit reports that are not mine or are inaccurately reported. In each case, I provided the following : A detailed identity theft report filed with the Federal Trade Commission ( FTC ) A written statement identifying the fraudulent or incorrect accounts Supporting documentation demonstrating that the information is inaccurate and/or does not belong to me Despite this, all three bureaus have returned the disputes as " verified, '' without providing any evidence of a reasonable investigation or explanation of how the information was verified. The accounts in question remain on my credit reports and are negatively affecting my credit, making it difficult for me to obtain necessary financing, including a mortgage loan.

This failure to correct or delete fraudulent and inaccurate information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to conduct a reasonable investigation under 15 U.S.C. 1681i Failure to block fraudulent information as required under 15 U.S.C. 1681c-2 Continuing to report information that has been shown to be the result of identity theft I am requesting the following corrective actions : Immediate deletion of all accounts I have disputed and identified as fraudulent/inaccurate.

A written response from each bureau explaining how the information was verified.

Confirmation that my credit files have been updated and are now accurate.

I am seeking assistance from the Consumer Financial Protection Bureau to ensure that the credit bureaus comply with federal law and correct these violations promptly. I can provide additional documentation upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Sunbit, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX opened an account under my name with the lender Sunbit to pay for the estimate for XXXX implants, and XXXX tooth to be fixed. I contacted the office and let them know that i wanted to cancel the their services because the office was filthy and I was not comfortable. XXXX, the office XXXX told me that she was going to cancel everything. There were no procedures done. The loan was not cancelled. She putted through. I did not realized that payments of {$320.00} were coming out of my checking account. I paid from XX/XX/XXXX through XX/XX/XXXX a total of {$5100.00}. I spoke to Sunbit and they informed me that I had to request a total cancellation from the company so they can reimburse me the money paid. I spoke to XXXX and she told me she can not do it because there is a statute of limitations. How can that be since my last payment was in XXXX of this year. The company is not willing to fix this issue. I have requested my file of procedure done and they have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MO

Complaint narrative:
A late payment has been incorrectly reported on my credit file. I have consistently met all payment obligations on time, and the entry listed is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint to dispute the reporting of a fraudulent account under my credit profile. I have never applied for, authorized, or used this account, and I deny any connection to it. Its reporting is incorrect and continues to harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/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 2025-09-04 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX  brand new in XX/XX/XXXX. I was told it would come with a free trial to Honda Link. For months after Honda Link would not connect with my vehicle and the sales rep kept telling me it was a Honda issue and affecting many customers. I was told that the free trial would begin from the date I got it to work/link with my car. I finally got it to work in XXXX of XXXX but upon finishing signing up there was no option for a free trial. I called XXXXonda link, spent half an hour on the phone and was told they would have to escalate it to management and was told someone would call me back. Someone called me back and left a message. I returned their call 5 days ago and have yet to receive a return message.

The purchase price of the car was almost {$35000.00} with taxes yet I'm having issues getting a free trial for Honda link which was used as a selling point by the sales rep when looking the the vehicles. This trial equates to a {$30.00} value and I can't get someone to follow through and provide access to the trial that was promised. 
All I'm asking for is the free trial that was promised at time of sale and then later promised that I would receive once Honda Link fixed their system. Now no one at Honda Link can seem to be bothered to assist me even though they are the only ones that can. I've driven Honda vehicles for the past almost 30 years and am disappointed in the lack of customer service over a trial that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
Dear CFPB Enforcement Division, I submit this complaint against Crypto.com, a registered XXXX XXXX XXXX XXXX XXXX ), for violations of the Bank Secrecy Act ( BSA ), DoddFrank / Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX XXXX XXXX, and state-level consumer protection obligations. 
On XXXX, XXXX, I filed a detailed complaint with Crypto.com regarding stolen funds XXXX XXXX laundered through their platform between XX/XX/XXXX XXXX XXXX, XXXX. Despite multiple follow-ups, Crypto.com has failed to respond, investigate, or take remedial steps. 
I. XXXXraud Description & Timeline IXXXX XX/XX/XXXX, I was first contacted online by individuals who falsely presented themselves as professionals in the medical industry. Leveraging fabricated credentials, persuasive narratives, and apparent legitimacy, they cultivated trust over a period of weeks. Through repeated communications, they gradually persuaded me to participate in what they described as a cryptocurrency investment opportunity offering secure, high-yield trading returns. In reality, this was a coordinated fraud scheme designed to extract funds via digital asset transfers. 
Between XX/XX/XXXX and XX/XX/XXXX, acting under fraudulent inducement and misrepresentation, I executed a series of transactions through my Crypto.com account totaling XXXX XXXX ( approximately {$50000.00} USD at the time ) to the blockchain wallet address XXXX. The transfers were structured across multiple days, each bearing characteristics inconsistent with my historical account activity. 
Shortly after receipt, the funds were dispersed across a chain of additional high-risk wallets commonly associated with layering and laundering activity. Blockchain analytics tools show that the onward transactions matched typologies consistent with money laundering red flags outlined by XXXX XXXX XXXX XXXX XXXX XXXX ) guidance, including rapid transfers, obfuscation of transaction trails, and routing through wallets with known fraudulent exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received a call from XXXX asking for a XXXX XXXX, my name is XXXX XXXX. They claimed that someone had applied for a JP Morgan Chase card and they were verifying that the transaction was me. I asked them to provide a number where I could verify who they were.they cave me XXXX which is the chase number. The last XXXX digits of the card XXXX is not a card I have or have applied for. They then called me XXXX which is not my name, which I told them they asked me to verify my name and I told them my name doesn't end in an a, I did not open up any cards, and that whomever did was committing fraud.The person on the line with a french/french XXXX accent then said. Oh XXXX and hung up the phone. I then called the number back for it to go into a voicemail. This is not typical for fraud protection to not be calling from an XXXX number. I verified and the phone numbers are XXXX, opt. XXXX ; Business. XXXX ; XXXX. XXXX, opt. XXXX niether of which were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received an email stating that my PayPal account is being charged a {$590.00} amount and I do not have a PayPal account. My husband did not want me to submit this, even though he does not have a PayPal account, and did not save the email that has the bill for what we are charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am submitting this complaint against the three major credit XXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LEXISNEXIS
State: MA

Complaint narrative:
I tried calling and speaking to a representative numerous times. I am unable to find where I can correct the information on their sight. The information that they have is incorrect and has caused me to be unable to get homeowners insurance on my home. 
The report is XXXX pages long. There is nothing derogatory on it that would prevent me from getting homeowners except for the fact that they have me living at the people who defrauded me. This is in XXXX Florida. They also have me living at my sons home. I have been in the same home for over 30 years. 
I checked my credit report and it is accurate but Lexis Nexis is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt that I do not owe nor have I ever done business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
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 explanation