vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ; XXXX. XXXX XXXX XXXX XXXX- # ACCOUNT : XXXX XXXX. XXXX XXXX XXXX - # ACCOUNt : XXXX Please delete incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CORRECT NAME IS : XXXX XXXX XXXX I have never lived at these addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my Self credit card was charged {$1300.00} at an XXXX XXXX ( transaction reference XXXX ). I did not authorize or approve this purchase. I have no connection with this XXXX XXXX and did not provide my card information for this transaction. 

As soon as I saw the charge, I contacted Self and filed a fraud dispute. After their review, Self denied my claim, stating that the transaction was valid. Despite my repeated explanation that I did not authorize this purchase, they have refused to refund me. 

i called them multiple time to get this fixed and refunded to my credit card and its he hectic. 

This has caused a significant financial burden, as {$1300.00} is a large amount of money to lose due to fraud. I am requesting that Self reopen and properly investigate this claim, issue a refund for the unauthorized transaction, and provide me with a written explanation of the evidence they relied on to deny my dispute. 

I also ask the CFPB to ensure that Self complies with the consumer protections guaranteed under the Fair Credit Billing Act, which gives cardholders the right to dispute unauthorized charges and be protected from liability for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Dave Operating, LLC
State: TN

Complaint narrative:
I'm getting messages from Dave saying that I owe {$140.00} when I'm not used it before and I do have identity theft and fraud on my name and my social security and again I'm getting unexpected mail saying that I'm getting {$1200.00} and I've been qualified for a test and again they want me to pay and I don't believe it and I'm not going to get involved but I wanted to let you all XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2020 - Balance {$0.00}

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pa XXXX Re : Cease and Desist / Request for Deletion of Inaccurate and Unverifiable Information Report Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern, This letter serves as a formal Cease and Desist and Dispute Notice regarding inaccurate, unverifiable, and derogatory information being reported in my XXXX  credit file. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), you are legally required to maintain only accurate, complete, and verifiable information. 

I hereby dispute and demand the permanent deletion of the following categories of information : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC {$640.00XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC {$310.00} ( XXXX XXXX XXXX XXXX  XXXX. Derogatory / Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Irrelevant/Outdated Only my current address XXXX XXXX XXXX XXXX XXXX, PA XXXX should remain XXXX file XXXX 

XXXX. Inquiries I dispute the following hard inquiries as unauthorized and/or lacking permissible purpose under XXXX XXXX. XXXX : Ally Financial ( XX/XX/XXXX XXXX entries ) Consumer Portfolio Services ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Legal Basis for Deletion 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You must reinvestigate any disputed item within 30 days.

15 U.S.C. 1681e ( b ) : You must ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) : Furnishers can not report inaccurate information.

15 U.S.C. 1692c ( c ) ( FDCPA ) : This letter also serves as a Cease and Desist demand against any further collection communication.

Demand : If these items can not be 100 % verified with documented proof, they must be deleted from my credit report permanently. Failure to comply will result in formal complaints to the CFPB, FTC, and Attorney Generals Office, and I will pursue legal remedies for willful noncompliance. 

I request written confirmation of deletion within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: WI

Complaint narrative:
in accrdance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I'm calling regarding my consumer file. 
I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data. 
Pursuant to my rights under FCRA {$600.00}, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level. 
Please be advised that failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 
Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my report? 

XXXX XXXX yep and then file a ftc report. Then send everything to the other XXXX bureaus. After that file with the CFPB. And sit back and wait

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-27 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$7500.00} Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I was in the XXXX  and did not notice the fraud charges ach charges until now. I called WellsFargo and told them these are not my charges and by law they have to extend the time for reporting a fraud claim due to XXXX  and the denied the claim. I am the only person on my checking account and did not authorize these charges.

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 2025-09-27 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ; XXXX XXXX XXXX XXXX XXXX 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 I have never lived at these addresses : XXXX XXXX, MD XXXX XXXX XXXX, MD XXXX DELETE INQUIRIES PLEASE : XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRASUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
XXXX. On or about XX/XX/year>, an account identified as JEFFERSON CAPITAL SYSTEMS LLC was opened/tracked on my credit file, with an open balance listed as {$990.00}, and Placed for collection / Account information disputed by consumer. ( See attached screenshot. ) XXXX. I assert that this account and the information associated with it is inaccurate, either in whole or in part ( e.g. wrong amount, wrong creditor, wrong status, or duplicative/trash furnishing ). 
XXXX. On [ date ( XXXX ) you disputed ], I formally disputed this account with XXXX ( and any furnishers ) and provided documentation showing the inaccuracy or my position ( for instance, proof of payment, identity theft, or other evidence ). 
XXXX. Despite my dispute, XXXX has failed to ( a ) conduct a proper, reasonable reinvestigation, ( b ) remove or correct the inaccurate item, ( c ) cease reporting the erroneous information, or ( d ) provide me adequate notice of results, as required by law. 
XXXX. To my knowledge, the inaccurate item remains on my XXXX  credit file, harming my creditworthiness, causing distress, and impeding my ability to obtain credit/loan/other financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Consumer Concern : Failure to Provide Post-Sale Accounting After Repossession I financed a vehicle through Honda Financial Services ( HFS ) in California. The vehicle was repossessed and later sold at auction. After more than 90 days and multiple phone calls, I still have not received a proper post-sale accounting. 

I have spoken with at least three different HFS representatives. I have received two different documents in response to my requests : 1. A generic letter stating only that the vehicle was repossessed and sold at auction.
2. A second letter stating only that the account was paid in full. 

Neither of these documents provides the required information about the actual auction sale. It wasnt until speaking with the third representative that I was verbally informed there had been a surplus after the sale. However, I have never received anything in writing explaining the sale date, sale amount, how the proceeds were applied to my account, or what happened to the surplus. 

Under UCC 9-616, as adopted in California, a consumer is entitled to receive a written post-sale accounting ( sometimes called a deficiency/surplus statement ). This statement must disclose : The date of the sale, The sale price, The outstanding balance at the time of repossession, Fees applied ( repossession, storage, etc. ), and Whether the sale resulted in a deficiency balance or a surplus, and how that surplus was applied or refunded.

Despite repeated requests, Honda Financial Services has not provided this itemized post-sale accounting. Instead, they have only provided generic form letters. 

Without the proper documentation, I can not confirm how my account was settled or what happened to the surplus funds. This lack of transparency has caused confusion and prevents me from closing out my financial records with confidence. 

I am requesting that Honda Financial Services provide me with the required post-sale accounting that shows : The auction sale date, The auction sale amount, The application of proceeds to my loan balance, Any fees charged, and The disposition of the surplus. 

I am not asking for anything unusual only the legally required itemized accounting after a repossession sale.

Company response to consumer: Closed with explanation