vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am disputing an account reporting under my name with XXXX XXXX XXXX. The account details are as follows : Account Number : XXXX ( partially masked for security ) Date Opened : XX/XX/XXXX Account Status : Charged off Amount Written Off : {$9200.00} Amount Past Due : {$9900.00} ( as of XX/XX/XXXX ) This account is the result of identity theft. I did not open or authorize this account, and I was unaware of its existence until it appeared on my credit report. 

I have contacted XXXX XXXX XXXX to report the fraudulent activity and requested a full investigation. However, as of today, the account remains charged off and continues to be reported to the credit bureaus. 

I am requesting that XXXX XXXX XXXX immediately investigate and close this fraudulent account, remove all associated information from my credit reports, cease any collection activity, and provide written confirmation that the account has been deleted due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
This complaint supplements CFPB Complaint No. XXXX submitted on XX/XX/2025, regarding XXXXXXXX XXXX XXXX XXXX mishandling of my vehicle loan and title. Since my original complaint, XXXX XXXX conduct has materially worsened. 

Despite my multiple certified disputes and demands ( XX/XX/2025, and XX/XX/2025 ), XXXX XXXX failed to validate the alleged debt or provide lawful title documentation. They responded on XX/XX/2025, with a defective contract and incomplete records. 

Critically, on XX/XX/2025, XXXX XXXX sent me another collection notice demanding payment of {$2000.00}, threatening further credit reporting damage and emphasizing my account was 60 days past due, despite my formal disputes pending. This conduct blatantly violates 15 U.S.C. 1692g ( b ) of the FDCPA ( continued collection without validation ) and 15 U.S.C. 1692e ( false representations about debt status ). 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX ( OMV ) confirmed on XX/XX/2025, that no lien exists on my vehicle. Thus, XXXX XXXX has no lawful claim to retain my title or report delinquency. Their retention of my title constitutes unauthorized possession under Louisiana Civil Code article 526. 

Despite my extensive good faith efforts, XXXX XXXX remains in continuous violation of the FDCPA, FCRA, and Louisiana public policy. I request that the CFPB immediately escalate this matter, order full restitution, and impose maximum regulatory sanctions.

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 2025-04-28 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: LA

Complaint narrative:
This complaint supplements CFPB Complaint No. XXXX submitted on XX/XX/year>, regarding XXXX XXXX Auto Finances mishandling of my vehicle loan and title. Since my original complaint, XXXX XXXX conduct has materially worsened. 

Despite my multiple certified disputes and demands ( XX/XX/year>, and XX/XX/year> ), XXXX XXXX failed to validate the alleged debt or provide lawful title documentation. They responded on XX/XX/year>, with a defective contract and incomplete records. 

Critically, on XX/XX/year>, XXXX XXXX sent me another collection notice demanding payment of {$2000.00}, threatening further credit reporting damage and emphasizing my account was 60 days past due, despite my formal disputes pending. This conduct blatantly violates 15 U.S.C. 1692g ( b ) of the FDCPA ( continued collection without validation ) and 15 U.S.C. 1692e ( false representations about debt status ). 

Additionally, XXXX XXXX XXXX XXXXXXXX XXXX ( OMV ) confirmed on XX/XX/year>, that no lien exists on my vehicle. Thus, XXXX XXXX has no lawful claim to retain my title or report delinquency. Their retention of my title constitutes unauthorized possession under Louisiana Civil Code article 526. 

Despite my extensive good faith efforts, XXXX XXXX remains in continuous violation of the FDCPA, FCRA, and Louisiana public policy. I request that the CFPB immediately escalate this matter, order full restitution, and impose maximum regulatory sanctions.

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 2025-04-28 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: LA

Complaint narrative:
This complaint supplements CFPB Complaint No. XXXX submitted on XX/XX/2025, regarding XXXX XXXX Auto Finances mishandling of my vehicle loan and title. Since my original complaint, XXXX XXXX conduct has materially worsened. 

Despite my multiple certified disputes and demands ( XX/XX/2025, and XX/XX/2025 ), XXXX XXXX failed to validate the alleged debt or provide lawful title documentation. They responded on XX/XX/2025, with a defective contract and incomplete records. 

Critically, on XX/XX/2025, XXXX XXXX sent me another collection notice demanding payment of {$2000.00}, threatening further credit reporting damage and emphasizing my account was 60 days past due, despite my formal disputes pending. This conduct blatantly violates 15 U.S.C. 1692g ( b ) of the FDCPA ( continued collection without validation ) and 15 U.S.C. 1692e ( false representations about debt status ). 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX ( OMV ) confirmed on XX/XX/2025, that no lien exists on my vehicle. Thus, XXXX XXXX has no lawful claim to retain my title or report delinquency. Their retention of my title constitutes unauthorized possession under Louisiana Civil Code article 526. 

Despite my extensive good faith efforts, XXXX XXXX remains in continuous violation of the FDCPA, FCRA, and Louisiana public policy. I request that the CFPB immediately escalate this matter, order full restitution, and impose maximum regulatory sanctions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-04-28 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 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:
This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-04-28 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: FL

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 XXXXB of the Fair Credit Reporting Act.

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 2025-04-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 shall ( XXXX  ) 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 ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC XXXX they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> my XXXX check was issued and stolen. Amount {$10000.00}. Check issued by XXXX. Check was fraudulently cashed at Wells Fargo. XXXX has tried to recover funds from Wells Fargo without success. I have copies of fraudulent check and note check was not endorsed. I am seeking to recover my funds that were stolen and cashed without check endorsement at Wells Fargo. As to date XXXX funds have been issued back to 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 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute my XXXX  student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( XXXX ). Mt student records were disclosed without my consent violating XXXX 's strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without authorization aiding my privacy rights under federal law. Violation of the XXXX XXXX XXXX, as a student loan borrower, my information should have been protected but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence, the entity responsible for safeguarding my data failed to do so putting my financial security at risk and unauthorized disclosure to third parties/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
I want to emphasize that this complaint is genuine and not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy, as required. These errors continue to have a severe and lasting negative impact on my life, both financially and emotionally, in ways that are difficult to fully express. During these challenging times, the burden of these inaccuracies has been especially overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-28 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Loan account opened at XXXX on XX/XX/XXXX account is shown as collection on one bureau only and not shown on Experian and Equifax collection account opened at XXXX on XX/XX/XXXX account is shown as in collection on Transunion only and not shown on Experian and Equifax Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account is shown late payment on Experian and Equifax only and not shown on Transunion Auto Loan account opened at XXXX on XX/XX/XXXX account is showing late payments on Experian and Equifax only and not shown on Transunion collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection on Experian and Equifax only and not shown on Transunion collection account opened at XXXX on XX/XX/XXXX account is shown as in collection and late payment on Equifax only and not shown on Transunion and Experian which is being inconsistently reported among the national credit bureaus 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Formal CFPB Complaint Company : Goldman Sachs Bank USA ( Apple Card Issuer ) Product : Credit card Issue : Incorrect information on your report, reporting only HIGH BALANCE BEFORE DUE DATE Complaint : I am filing a complaint against Goldman Sachs ( Apple Card issuer ) regarding inconsistent and selective credit reporting practices that have directly and negatively impacted my credit profile during a time I am actively seeking mortgage financing and a new business loan which now I CAN NOT GET BECAUSE OF THIS. 

Specifically : Goldman Sachs failed to report my {$0.00} balance for two consecutive months, despite my full payments.

Recently, they suddenly reported a HIGH balance one week before the due date, outside of normal statement-cycle reporting. 
A company representative confirmed that they try to report every three weeks, which is irregular compared to standard industry practices that report monthly at the statement close. 

This inconsistent and selective reporting appears designed to show artificially high utilization rates while omitting periods of responsible credit management, thus misrepresenting my actual credit usage to lenders AND DAMAGING ME PERSONALLY. 

These practices create unpredictable utilization reporting, harm consumer credit scores, and impact major financial activities, such as securing mortgage financing. I request that the CFPB review these practices under the Fair Credit Reporting Act ( FCRA ) to ensure fair, consistent, and accurate credit reporting standards are upheld. 



I want Goldman Sachs to provide full and transparent reporting of all account activity, ensure consistent monthly reporting aligned with statement cycles, and correct any misleading or omitted data from my credit files. 

I want them to accurately report my card being paid down this month, XXXX and give the credit increase I WOULD have gotten if theyd reported correctly.

Company response to consumer: Closed with non-monetary relief