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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX C U - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
A fraudulent account has been wrongfully added to my credit report. I have never opened, authorized, or interacted with this account in any way. It is not connected to any financial activity Ive undertaken, and its presence on my file is a clear misrepresentation of my credit history. This inaccurate reporting is not only unfair but is also impacting my ability to access credit and maintain my financial credibility.

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: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Complainant Name : XXXX XXXX Co-Signer : XXXX XXXX Vehicle : XXXX XXXX XXXX  Dealer : XXXX XXXX XXXX Lender : GM Financial Date of Purchase : XX/XX/XXXX Complaint Date : XX/XX/XXXX I am filing this complaint due to the sale and financing of a defective vehicle. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX, financed through GM Financial. At the time of sale, the salesman, XXXX, admitted the car was being repaired but did not disclose the specific issues or provide documentation. My co-signer and mother, XXXX XXXX, was present and witnessed this. 

Just 11 days later, on XX/XX/XXXX, the engine failed. I recorded a time-stamped video showing the engine malfunction and check engine light. The engine was replaced, but the car still experienced issues. In XX/XX/XXXX, I recorded another video showing the car failing to move despite being in drive. 

I was not allowed to retrieve the vehicle from repairs until I paid a {$250.00} deductible, witnessed by my brother and mother who ch prevented me from getting my braces at that time. I also paid {$2000.00} to GM Financial after an initial repossession, only for the car to break down again. The engine failed completely in XX/XX/XXXX, and I informed GM Financial that I would no longer make payments. The vehicle was repossessed for a second and final time. 

During the repair period, I was given a rental car, which confirms the vehicle was undrivable at the time. I paid a {$3000.00} cash down payment ( receipt available ), and have bank records and video evidence supporting these claims. 

I am requesting the following : - Full loan cancellation - Refund of my {$3000.00} down payment - Removal of the repossession from both my and my co-signers credit reports This situation has severely damaged my credit and has delayed my employment start date with XXXX federal. I have already contacted XXXX XXXX XXXX and GM Financial, and I am seeking your assistance for resolution.

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 — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Re : Request to Remove Late Payments from Credit Report I am writing to request the removal of late payment notations from my credit report regarding account XXXX with XXXX  XXXX. Under Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), I dispute the accuracy of these late payment notations. 
The FCRA requires credit bureaus to conduct a reasonable investigation into disputed information and delete any information that can not be verified. Since the burden of proof lies with the creditor to validate the debt and the late payment notations, I request that you remove these notations from my credit report if the creditor can not provide sufficient evidence to support their claims within the required timeframe. 
I would appreciate it if you could take immediate action to remove these notations and provide me with an updated copy of 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, a fraudulent charge of {$300.00} from XXXX XXXX XXXX XXXXXXXX , XXXX ( a property or real estate company ) was posted to my Chase debit card without my authorization.

I am a minor and have never had any contact, agreement, or legitimate reason to be charged by a property or real estate company. I reported the transaction as unauthorized fraud, and Chase issued me a new debit card and temporarily credited my account. 

However, on XX/XX/year>, the {$300.00} credit was reversed, and the money was withdrawn from my account again. I received no explanation or documentation for this reversal.

When I contacted Chase, they refused to reopen the case and told me to contact the merchant directly even though this was clearly fraud, and I am a minor who can not legally authorize this type of transaction in the first place.

I am requesting the CFPBs help to recover my funds and hold Chase accountable for denying a legitimate fraud claim against a minor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: MI

Complaint narrative:
I have a debt collections account reporting on my credit that I did not authorize nor give anyone else permission to do so on my behalf. I have strong reason to believe that this inaccurate account is the result of identity theft. I no knowledge of how this could have taking place nor have I gave anyone permission to do so on my behalf. I ask that you all address this matter accordingly to verify the validity of this account.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

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: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: AL

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 XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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: 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. Under U.S.C 1681 S 2 A collection must report accurate information under 15 U.S.C 1681 I. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting. You must dispute with a proper CMI dispute letter.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the weekend I use my debit card quite a bit I had a XXXX XXXX XXXX in the account when I check the account on Monday there had been a lot of overdraft fees posted and then refunded to my account. I waited a little bit Monday just to see if there was some kind of error going on with the bank before I jump to conclusion at that point I then was hit with three more overdraft fees and left my account with a negative {$100.00} balance. I had money to cover everything that I had used the card for but the overdraft fees is what ended up over drafting me. Then yesterday another charge came through and overdrafted me again. I am not disputing the last one but it's because my account was overdrawn through truest that this end one ended up being hit on me again is fine I'm willing to pay the {$36.00}. I called truest today to get them to explain why I'm having overdraft fees on certain charges when there was money in there to cover the account. I was transferred to supervisor and supervisor was hung up on a couple times finally was put through to the last supervisor XXXX she explained to me that they are taking pending charges that were charged today are coming out before posted charges which then is overdrawn the account. I asked her to explain to me when it actually started to overdraft because I was charged these charges on Monday and it is now Wednesday that I'm receiving additional charges. She said everything comes out the way the paint wants it to unfortunately I have a pending charge coming out before posted transactions which that is why it's overdrafting me I will send you copies of my bank statements it definitely shows there were charges hit for overdraft that were definitely funds available. They're not willing to refund anything I was told there is no one higher up to speak to I was stuck with her there was nothing else I could do besides maybe go to a bank location. All I was asking for was a little bit of help with overdraft fees but again I had the funds over the weekend to cover any transaction that I made it's the way that the bank decided to wait 3 days to add extra charges on top of it that did overdraft me.

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: 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: GA

Complaint narrative:
The investigation did not fix any errors 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 2025-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix any errors on my credit report

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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. Everything on FTC and XXXX  is fraud Remove immediately! 15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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