vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am writing to formally request the immediate investigation and removal of inaccurate and fraudulent information from my credit report resulting from identity theft. 

I recently reviewed my credit reports from the major credit bureaus and discovered several accounts and/or inquiries that I did not authorize or open. These items are not associated with any financial activity I have conducted and are clearly the result of identity theft. 
I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be removed or blocked from my credit report immediately. I also request written confirmation from the CFPB once these items have been addressed and removed by the relevant credit reporting agencies. 

Please consider this matter urgent, as this inaccurate reporting is negatively affecting my credit standing and financial well-being. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: IA

Complaint narrative:
I bought a XXXX Honda XXXX in XXXX of XXXX. Honda Financial Services was the lender on the loan. I made my monthly payments until XXXX. I did not make any payments after XXXX. I was under the impression that the scooter had been paid off, despite never receiving the title. From XXXX to XXXX I made no payments. During that time I was not notified by Honda Financial, that I still owed money on the loan. {$1800.00}, was what was left on the loan. 

In XXXX of this year ( XXXX ) I traded the scooter in as part of my downpayment of buying a vehicle at XXXX XXXX XXXX. When XXXX XXXX tried to obtain title they were informed that the title still belongs to Honda Financial. 

I sent payments to Honda Financial for {$200.00} in XXXX and XXXX of XXXX but due to job loss and mental health issues I have not been able to work or make payments. Now XXXX XXXX is wanting to charge me with fraud if I don't pay it off by XX/XX/XXXX. 

From XXXX to now, I have never received the notice of right to cure or was given the opportunity to make payment arrangements and resolve the debt. Also during this time frame I was also never provided any notice of delinquency or referral to collection agency. 
Honda Fianacial never made any attempt to repossses the scooter.

I called Honda Fianancial today and spoke to XXXX and she advised that they never sent notice of right to cure and they were not planning on repossing the scooter despite that the loan had not been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
At XXXX XXXX tonight, I received an email with attached letter from One Main Financial declining a XXXX loan which I did not apply for and would never do business with One Main Financial due to a bad experience with them in XX/XX/2024. I have not applied for any loans period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I sent funds ( XXXX ) to my verified wallet on polygon blockchain in Binance US, but the funds are now unrecoverable due to lack of network support, and Binance will not help manually recover despite controlling the receiving wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXXXXXX

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 2025-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure by Experian, Equifax, and TransUnion to Correct Inaccurate Reporting and Mark Accounts as Disputed I am filing this formal complaint against Experian, Equifax, and TransUnion for failure to comply with federal law concerning the accuracy and completeness of my credit reports. After reviewing a recent copy of my credit report, I discovered that multiple accounts are reporting inaccurate, incomplete, or misleading information, and prior disputes have not been appropriately addressed. 

Despite previously submitting direct disputes both to the furnisher and through the credit bureaus, no meaningful corrections have been made. This constitutes clear noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : Unauthorized Inquiry XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized and should be removed immediately. 

Late Payment ( Closed/Paid ) XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires data furnishers to report an account as " disputed '' once a consumer notifies them of the dispute.

15 U.S. Code 1692e ( 8 ) Prohibits a debt collector from reporting credit information without indicating the item is disputed, if they are aware of the dispute. 

Despite my original dispute being submitted more than 35 days ago, the account listed under XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) has not been marked as " disputed '' in my credit file. This is a clear violation of both FCRA and FDCPA, and it significantly impacts my creditworthiness and reputation with potential lenders or employers. 

I am submitting supporting documentation showing : A copy of my original dispute A copy of my current credit report showing that the account remains unmarked as " disputed ''

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 2025-07-11 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure by Experian, Equifax, and TransUnion to Correct Inaccurate Reporting and Mark Accounts as Disputed I am filing this formal complaint against Experian, Equifax, and TransUnion for failure to comply with federal law concerning the accuracy and completeness of my credit reports. After reviewing a recent copy of my credit report, I discovered that multiple accounts are reporting inaccurate, incomplete, or misleading information, and prior disputes have not been appropriately addressed. 

Despite previously submitting direct disputes both to the furnisher and through the credit bureaus, no meaningful corrections have been made. This constitutes clear noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : Unauthorized Inquiry XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized and should be removed immediately. 

Late Payment ( Closed/Paid ) XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires data furnishers to report an account as " disputed '' once a consumer notifies them of the dispute.

15 U.S. Code 1692e ( 8 ) Prohibits a debt collector from reporting credit information without indicating the item is disputed, if they are aware of the dispute. 

Despite my original dispute being submitted more than 35 days ago, the account listed under XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) has not been marked as " disputed '' in my credit file. This is a clear violation of both FCRA and FDCPA, and it significantly impacts my creditworthiness and reputation with potential lenders or employers. 

I am submitting supporting documentation showing : A copy of my original dispute A copy of my current credit report showing that the account remains unmarked as " disputed ''

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is not mine and was open without out my knowledge I've been disputing this for a while now and still nothing

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NM

Complaint narrative:
Discover and XXXX XXXX XXXXXXXX settled but still shows a derogatory on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of identity theft.

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 2025-07-11 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX XXXX RE : Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 * * * * Reference Number : XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$950.00} XXXX XXXX To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX XXXX XXXX XXXX, associated with an alleged balance of XXXX XXXX {$950.00} XXXX XXXX  for XXXX XXXX. 

Under the XXXX XXXX  Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g XXXX XXXX, and the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX, I am requesting full validation of this alleged debt. 

Please provide the following : XXXX A XXXX XXXX copy of the original signed contract XXXX XXXX or agreement bearing my wet signature; XXXX A full XXXX XXXX itemized breakdown XXXX XXXX of the {$950.00} balance and how it was calculated ; XXXX Proof that you are legally authorized to collect on this debt; XXXX  The XXXX XXXX name and contact information of the original creditor XXXX XXXX, and any related account numbers. 

All documentation must be sent XXXX XXXX by email only XXXX XXXX  to the address listed above. Do not send anything to my physical mailing address. 

Until you provide the requested validation, you are required to XXXX XXXX cease all collection activity XXXX XXXX and ensure that the account is reported as XXXX XXXX disputed XXXX XXXX with all credit reporting agencies. If you are unable to validate this account, it must be XXXX XXXX immediately removed XXXX XXXX from all credit reports in compliance with the FCRA. 

This is a good faith effort to resolve this matter. Please respond within XXXX  days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation