vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been listed on my credit report without my authorization. These accounts do not belong to me and are entirely inaccurate. Their presence is misleading, damages my financial reputation, and compromises the integrity of my credit profile.

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 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I had initiated a purchase to be put on a XXXX XXXX plan for mine and my wife 's phones. We paid the initial fees and were expecting to receive our phones. We came to find out that XXXX was using a third-party tech company to deliver our phones and help us set them up. I contacted the tech company to ask to just deliver the phones as we did not need help setting them up. I was informed by the representative that this was not possible, and that he would be cancelling the order. 

I then contacted XXXX to see if I could get new phones delivered after this debacle. To which I was informed that the initial transaction would be cancelled, and I would need to place a new order to receive any phones, or a wireless plan at all. I declined and said I'd be taking my business elsewhere. 

Then, I started to receive emails saying I owed money to XXXX for a bill. I have XXXX, so I thought maybe that was it. After checking, it was not my XXXX  internet, but a mobile plan that I did not have. On XX/XX/XXXX, I got an email saying I've been de-enrolled from my XXXX account. On XX/XX/XXXX, I got an email saying my bill was ready, with the amount being {$180.00}. Why would I get a bill if my service was cancelled? 

On XX/XX/XXXX, I received an email saying my services have been scheduled for suspension. I thought " what does it matter? I don't even have that service! '' The reminder emails kept coming, on XX/XX/XXXX, XX/XX/XXXX, an updated bill sent on XX/XX/XXXX for {$300.00}. Immediate payment request emailed on XX/XX/XXXX, then the collections threats began on XX/XX/XXXX. They kept coming, and I got emails saying I had a few days before it would be sent to collections. This is when i reached out to XXXX, AGAIN, to resolve this. I was informed the debt would be removed and that it was inaccurate. I got an email on XXXX with a bill saying total amount due of {$0.00}, yet a minimum due of {$260.00}. This checked out as the XXXX customer service agent I was speaking with said this would be sent so I knew I didn't need to pay anything. 

Fast forward to XX/XX/XXXX and I had received a letter in the mail from a debt collector on XXXX 's behalf to collect this debt. I can not believe how far this has gone. I am reluctant to remain a XXXX customer, I will never in my life become a XXXX XXXX customer after this. Absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: RI

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$25.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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 identity 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 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 2025-09-16 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: NY

Complaint narrative:
As required by USC 1681g, please ensure these accounts are removed within 15 days.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-16 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} UNKNOWN - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I lost my job in XX/XX/XXXX and applied for a forbearance through my mortgage company, which was XXXX XXXX at the time. During the forbearance period, my mortgage was transferred to Shellpoint Mortgage Servicing. I had gone through several extensions on the forbearance through both XXXX and Shellpoint. 
In early XX/XX/XXXX I checked my credit report and noticed that late payments had been recorded against me with a significant credit score drop. At this point I was beginning repayment through trial payments, XXXX payments of a lower amount that needed to be made on time in order to receive a final modification. On XX/XX/XXXX I called Shellpoint in regards to the negative payment reporting and was told not to worry, that as long as I made the trial payments on time and got the modification complete that my payment record would be updated showing no missed payments. 
I have completed the loan modification and have called today, XX/XX/XXXX in regards to the late payments still showing up on my credit report. Shellpoint has now stated that the information they provided me in XXXX was incorrect and the derogatory payment information will remain on my credit report. 
I do not have any missed payments from XXXX XXXX during their forbearance period. I have completed every step of the Shellpoint forbearance and remodifcation process exactly as they have asked. I was lied to by this company so they could get me to sign the remodification documents at a significant increase in term ( XXXX mos from XXXX mos ) which I was happy to do to get back in good standing with my mortgage. 
My credit score has dropped over XXXX points. I am now self employed and the huge hit to my credit has affected me in performing personal and business related financial matters.

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 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted a credit application in my name without my knowledge or consent. My monthly income was fraudulently inflated from {$4200.00} to {$6300.00} so I would be approved for a {$70000.00} auto loan through XXXX XXXX XXXX XXXX XXXX  ). I never authorized or signed the original application. 

Multiple phantom loans were later created for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, there was no credit pull on XX/XX/XXXX, which makes these loans invalid. My signature was also copy-pasted onto later contracts. 

I filed a formal FTC complaint in XX/XX/XXXX and provided documentation, but XXXX ignored my complaint. Instead, they continued collections activity. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX  repossessed my truck on the same day they received my fraud evidence packet. This was a retaliatory repossession while my disputes were active and my complaints were under federal investigation. 

After the repossession, I filed a second FTC Identity Theft Report. Since then, XXXX XXXX XXXX have begun investigating. XXXX $ XXXX tradeline has already been removed from XXXX, and while XXXX has not yet deleted the tradeline, my score jumped XXXX points, which shows their investigation supports my evidence. A $ XXXX loan tied to the same date ( XX/XX/XXXX ) still remains under investigation. 

Harm Suffered Lost over {$5000.00} in payments plus a {$1000.00} down payment. 
Forced to take out a personal loan to prevent further credit damage. 
Employment status altered from XXXX retired without my consent. 
Unlawful repossession and negative reporting despite active fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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 2025-09-16 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: WA

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am formally disputing an auto loan held by Westlake Financial under account XXXX XXXXXXXX. I am the rightful vehicle owner and titleholder, not the individual they sent a settlement offer to. The vehicle was sold to me under fraudulent circumstances by XXXX XXXX XXXX in XXXX XXXX, with pre-existing mechanical damage and falsified registration practices. 

Within weeks, the vehicle broke down and was diagnosed by XXXXXXXX XXXX XXXXXXXX with over {$8000.00} in pre-existing damageincluding a blown engine and head gasket. The dealer sold me the car as-is, added over {$1700.00} in unauthorized warranty charges, double-taxed my sales tax, and charged me over {$300.00} to register the vehicle in New Jersey, even though I live in New York and could have registered it myself. They took advantage of my situation and forced unnecessary add-ons.

Despite these issues, the dealership took the car back without legal repossession. I have not had possession of the vehicle since XX/XX/year>. They waited over 45 days to send registration and plates, stalling past the legal window, which kept me from driving the car and caused me serious loss and hardship, including lost work. 

Meanwhile, Westlake Financial has continued to pursue the loan. They also sent a misleading settlement letter to a co-signer, XXXX XXXX, who is not the legal owner of the car or loan. I have tried multiple times to resolve this and submitted evidence to both Westlake and XXXX XXXX, but nothing has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My 30 year mortgage should have been paid off this past XX/XX/XXXX. Wife and I purchased a house back in XX/XX/XXXX. My original loan documents state XX/XX/XXXX as being completed paid off. The mortgage company continues to take out monthly mortgage payment with no end in sight. They refuse to respond to my letters and phone calls. NEED ASSISTANCE PLEASE or GUIDANCE. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation