vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
This complaint is submitted to document Experians willful, systemic, and ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, regarding their repeated failures to block fraudulent information resulting from identity theft, despite receiving proper notice, documentation, and a valid Identity Theft Report. Experian has refused to comply with the mandatory 4-business-day timeline established by Congress and instead continues to rely on irrelevant, boilerplate explanations to justify its failure to act.

This is not an isolated incident. It is part of a broader, industry-wide pattern of unlawful conduct by credit reporting agencies, constituting a reckless disregard for statutory obligations, fairness in commerce, and equity in the consumer reporting process. 

I am preserving this complaint as part of a timeline of systemic violations and continued harm I am suffering due to Experians failure to meet its obligations under federal law. This filing will be used as supporting evidence in a forthcoming federal complaint asserting violations of the FCRA, negligence, unfair trade practices, and associated damages, including claims for statutory and punitive damages under 15 U.S.C. 1681n for willful noncompliance.

I am requesting full regulatory review, escalation, and enforcement from the CFPB in light of Experians ongoing, deliberate evasion of statutory consumer protections.

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 2025-06-14 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding our ongoing difficulties in obtaining a lien release document from Hyundai Motor Finance, despite having paid off our auto loan in full in XX/XX/year>. 

Since the moment of payoff, we have never received the lien release document, which is now causing significant issues as we attempt to sell our vehicle to XXXX. They require this document to proceed, and we are left unable to complete the sale through no fault of our own. 

Over the past two weeks, we have repeatedly contacted Hyundai Motor Finance via phone and online website, requesting the release document. We also made multiple requests for the document to be sent via fax, mail, and ( if possible ) email. However : -We were told the document could not be sent via email.

-We were informed that a fax was sentbut we never received it.

-We were told the document was mailedbut it never arrived.

-Additionally, we were told that faxes are only sent on Tuesdays and Thursdays, which we find deeply concerning. It is unacceptable that such a critical and time-sensitive document is restricted to being sent only on certain days of the week, especially when the matter is urgent and delays directly impact our ability to complete a vehicle sale.

These repeated failures, over multiple contact attempts and across several communication channels, have caused us considerable frustration, inconvenience, and financial disruption.

We are deeply disappointed by the companys lack of responsiveness and accountability. It is unacceptable that nearly four years after paying off our loan, we still do not have the basic documentation required to prove our ownership and sell our vehicle.

We urge the CFPB to investigate this matter and ensure that the finance company fulfills its legal obligation to provide a lien release promptly.

Thank you.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Debt Buyer Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Credit card Responsibility Individual Date openedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Card Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card Date opened : XX/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 2025-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am following up on my complaint against Wells Fargo fraudulent business activities. I am have a case already open. However, the status on my case reads that it has been closed due to customer withdrawal of complaint. 

This is false, I did not withdraw my complaint. Wells Fargo continues to XXXX and deceive to no end for its gain. 

Please be advised, I have not withdrew my complaint.

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 2025-06-15 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: TX

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

1681c-2 ) that you, the Experian credit reporting agency, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: VA

Complaint narrative:
I am filing this complaint because my student loan records and/or credit report were accessed without my knowledge, consent, or a legally permissible reason. Specifically, I believe XXXX XXXX or one of his affiliated companies accessed my personal data in violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be obtained for a permissible purpose. I have not applied for credit, employment, insurance, or any transaction that would justify this access. Therefore, any inquiry or use of my credit file by XXXX XXXX or his companies constitutes unauthorized access under FCRA.

If student loan data maintained by my loan servicer ( such as through the National Student Loan Data System ) was accessed without proper consent, this also may violate FERPA ( 20 U.S.C. 1232g ), which protects education records from being disclosed without written permission.

I am requesting : Compensation or remedies under the FCRA Delete ALL loans off my credit report This is a serious violation of my consumer privacy rights and potentially of my federal student record protections. I request that this issue be escalated and resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I entered active duty service in the XXXX XXXX on XXXX XX/XX/year>. I entered a mortgage agreement on XXXX XX/XX/year> and later applied for a rate reduction under the Servicemembers Civil Relief Act ( SCRA ). I was denied at first due to the mortgage agreement taking place after I entered service as a restriction of the law. However, I filed a second request under the Louisiana SCRA, Section 29:312. I was subsequently denied under the Louisiana SCRA with my mortgage company, Mr Cooper, explaining the denial due to a mortgage not considered a " good or service. '' Mr Cooper said because of this, the Louisiana SCRA does not apply to mortgages and denied my request. 

I have consulted with my XXXX XXXX Judge Advocate and have read multiple legal interpretations of the Louisiana SCRA, and all consider mortgages inclusive of the rate reduction in the SCRA section 29:312. 

I am requesting your assistance in Mr Cooper 's compliance with the law and reducing my rate from my current 6.75 % to the cap of 6 % under the law, along with a refund of excess charges incurred since the inception of this loan. 

Thanks in advance for your assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LUKE, JOHNSON & LEWIS LLC
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to respectfully request consideration for loan forgiveness through your veteran installment relief program. 

I took out this loan to help cover outstanding medical bills incurred while I was in treatment for XXXX XXXX XXXX which stemmed from my time in the military. During my service, I was injured in an XXXX and underwent XXXX. As a result of the pain and trauma, I became addicted to XXXX XXXX XXXX Seeking help, I entered a treatment center to begin my recovery. 

While in treatment, I had to attend multiple external medical appointments that were not covered by my insurance. These appointments were crucial to my health and recovery, but the out-of-pocket costs quickly added up, forcing me to take out this loan. 

I am currently rated as a 90 % XXXX veteran and am not employed at the moment. I am enrolled in school full-time through the VA 's XXXX XXXX XXXX and set to graduate in two weeks. While I am actively working toward employment, it will likely take a couple of months after graduation to secure a job in my field. 

Right now, I am financially overwhelmed. I can not make the loan payments, and the additional {$25.00} charged daily for missed payments is compounding my debt to a point that feels impossible to overcome. I am doing everything I can to rebuild my life and become self-sufficient, but this financial burden is threatening to derail that progress. 

I am humbly asking for your help so I can move forward with hope and stability. I am committed to a better future and building a life I can be proud of, but I can not do it while buried under this debt. Thank you for considering my request and for supporting veterans like myself who are trying to recover and rebuild. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I've disputed this on many occasions this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
Victim of fraud and theres multiple cases of fraudulent transactions on my report, Credit XXXX XXXX  card balance of XXXX, XXXX, XXXX XXXXXXXX credit card balance of XXXX, XXXX, XXXX XXXX XXXX credit card balance of XXXX, XXXX, XXXX XXXX balance of XXXX, XXXX and remove all inquiries fraudulent place on my credit report from all three bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
Victim of fraud and theres multiple cases of fraudulent transactions on my report, Credit XXXX XXXX  card balance of XXXX, XXXX, XXXX XXXXXXXX credit card balance of XXXX, XXXX, XXXX XXXX XXXX credit card balance of XXXX, XXXX, XXXX XXXX balance of XXXX, XXXX and remove all inquiries fraudulent place on my credit report from all three bureaus

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 2025-06-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-14 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: MA

Complaint narrative:
I am disputing the continued and inaccurate reporting of multiple accounts on my credit report, all of which contain serious factual errors and legal violations that have gone unresolved despite previous disputes. Below are the accounts in question : XXXX XXXX XXXX ( XXXX ) Reporting a late payment on an account associated with identity theft ( police report on file ). The balance is inflated and unverified, violating FCRA 1681e ( b ) and 1681s-2. 

XXXX ( XXXX XXXX Reports a late payment on a {$0.00} balance, which is materially misleading under Metro 2 guidelines and FCRA 1681e ( b ). 

XXXX XXXX XXXX. XXXX ( XXXX ) A collection account tied to identity theft. I filed a police report, and this should be blocked under FCRA 605B within 4 business days of my dispute per 1681c-2. 

XXXX XXXX ( XXXX ) and XXXX ( XXXX ) These appear to be duplicate charge-offs. The reported balances are inflated beyond the forgiven amount shown on the IRS 1099-C form I received, violating FCRA 1681e ( b ) and Metro 2 guidelines for post-cancellation balance reporting. 

XXXX  XXXX XXXX ( XXXX, XXXX, N/A ) Three charge-off entries with conflicting balances. None match the IRS 1099-C cancellation values. These are either duplicates or contain false balances, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

XXXX ( XXXX  ) This charge-off balance also exceeds the amount canceled per 1099-C. Reporting remains inaccurate despite my prior dispute, violating FCRA 1681i. 

XXXX XXXX XXXX ( XXXX ) This account is reported as a charge-off following an auto repossession. The balance does not match the amount canceled via IRS Form 1099-C , and no post-repossession notices were issued per UCC 9-611 and 9-614. This violates FCRA 1681e ( b ) and state/federal repossession notice laws.

Despite filing prior disputes, these furnishers have failed to perform reasonable reinvestigations as required under FCRA 1681s-2 ( b ). Continued reporting of these errors constitutes willful noncompliance under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief