vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

Complaint narrative:
In XX/XX/year>, I received a move-out statement from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) listing {$1100.00} in total charges, including my {$300.00} security deposit and {$830.00} in claimed damages and cleaning fees. 

On XX/XX/year>, I emailed the property to formally dispute the following charges : {$500.00} carpet replacement ( the carpet was already pilling and worn at move-in, documented on my move-in inspection ), {$80.00} for blinds ( these were of poor quality and failed due to normal wear and tear ), and {$250.00} deep cleaning fee ( we left the apartment clean and have video proof of its condition at move-out ). 

I acknowledged and agreed to pay {$180.00} in utility charges, which were legitimate. 

On XX/XX/year>, the property manager ( XXXX XXXX replied with general photos but no invoices, vendor documentation, or itemized evidence supporting the {$830.00} in disputed charges. I responded the same day, clarifying that I did not seek a refund of my deposit but disputed any balance beyond that amount. I clearly stated that I would take legal action if the debt was sent to collections without proper documentation or justification. 

I never received any further response or documentation from the property after that email. Despite this, on XX/XX/year>, I received a collections letter from Hunter Warfield XXXX XXXX, claiming I owed {$710.00} to XXXX XXXX XXXX XXXX. 

XXXX XXXX decision to send this to collections after I had formally disputed it, and without providing validation or documentation, appears to violate Michigans Security Deposit Act ( XXXX  XXXX ) and the Fair Debt Collection Practices Act ( FDCPA ). 

What Ive done to resolve the issue : I emailed the property manager multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ) with no response after my initial dispute. 

I have now sent a formal dispute and validation request to Hunter Warfield ( the collector ). 

Ive retained email records, the move-out video, and the collection letter as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After my vehicle was repossessed, I paid the full reinstatement amount and recovered the vehicle. Upon retrieval, I discovered that my original key was not returned ; instead, I was given a completely different key that does not match my cars manufacturer design. Additionally, the vehicles battery had been drained, likely due to the headlights being left on while in the custody of the repossession company. One of the tires was also flat, despite being in good condition prior to repossession. 

I promptly reported these issues to Chase Auto and submitted photo evidence of the key, flat tire, and the cost of replacing the battery. However, Chase Auto refused to take responsibility, stating there was not enough evidence and directing me to the repossession companys claims department. I believe Chase, as the lienholder and party that authorized the repossession, shares legal responsibility for damages and losses that occurred while my vehicle was in their or their agents possession. 

This situation has caused me unexpected financial losses and undue hardship. I am seeking a proper investigation, reimbursement for the costs I incurred due to their negligence, and accountability for the mishandling of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Company went ahead and filed default judgement against me in court. Didn't provide me with original signed contract or any information about the assignment contracts. They are in breach of contract. I am filing a motion to dismiss case in XXXX XXXX for failure to provide me such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo creating digitally fabricated statements and accounting fraud ruining auto loan consumer credit has been filed in federal court. And, with a tech background the consumer has proved what Wells Fargo provided is fraudulent! Wells Fargo is continuing the same fraudulent practice they were fined by the CFPB in 2022.

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 2025-10-13 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:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-13 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CBC Companies, 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 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 explanation
Consumer complaint received 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX 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  FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXXXXXX 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 explanation
Consumer complaint received 2025-10-13 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:
Subject : Factual Inaccuracies Demand for Independent Verification Dear Experian Compliance Division, Pursuant to FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), I formally dispute the following inaccurate and incomplete data : 1. XXXX Mortgage Reports Date Opened XX/XX/XXXX and Date Last Active XX/XX/XXXX, while peer bureaus show different dates. Provide complete loan payment ledger. 
2. XXXX Balance {$760.00} differs from verified {$340.00}. 
3. XXXX XXXX XXXX XXXX figure and last payment date entries. 
4. XXXX Account still coded as dispute resolved by subscriber, violating 611 ( a ) ( 5 ) ( A ) requirement to delete obsolete dispute flags. 
5. XXXX  XXXX tradelines ( XXXX, XXXX, XXXX, XXXX ) Multiple inconsistent balances and High-Credit fields. 
6. XXXX ( XXXX ) Reports Open status despite transfer event recorded by furnisher. 
7. XXXX XXXX XXXX Reports as Transferred but missing closing ledger. 
Your automated verification process does not meet the statutory standard established in XXXXXXXX XXXX XXXX If you can not independently obtain documentary proof ( due-date ledger, posting records, and payment histories ) within 30 days, you must delete the affected entries under 611 ( a ) ( 5 ) ( A ). 
Failure to correct will trigger CFPB and AG complaints and litigation under 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I never received a title or lien release letter from Toyota Financial Services after 4+ years of paying off the loan of my car. I have traded my car in and have requested an overnight of a lien release letter so I can go to the Colorado DMV to get my title. I have talked to more than 6 customer service reps and a conflict resolution specialist. All have given me incorrect information and have not sent the letter. I'm still waiting for the title of my car which has been paid off for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only reflect information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be properly confirmed, they should be updated or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 submitting this complaint regarding serious inaccuracies and fraudulent reporting on my Equifax credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). Equifax has reported multiple closed accounts and hard inquiries that are fraudulent and unauthorized, including accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXXXXXX XXXX, and XXXX LOAN XXXX, as well as inquiries by XXXX XXXX BANK XXXX XXXX I have formally disputed these with Equifax and submitted a self-attestation letter affirming these accounts were not authorized by me. Under the FCRA, I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. Equifax has failed to remove fraudulent accounts despite clear notice and proof, causing ongoing harm to my credit profile. I am requesting CFPB intervention to ensure Equifax immediately deletes all fraudulent entries and inquiries and complies with FCRA requirements. Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Its misleading in terms of my financial perspective.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXXXX/XX/XXXX) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-13 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: KY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter XXXX is refusing to issue my XXXX refund after i had refinanced with XXXX XXXX XXXX XXXX. When trying to get ahold of someone i was told the check was canceled, and that they would resend the check. A week went by and I reached back out due to not receiving the check for my GAP cancellation. They stated the check was cashed at a wells fargo ( meaning fraud because it was never cashed by me and I had no received the check ). I called back because the first person wasnt giving me any information besides that it was cashed. Upon calling back a third time, i was told that the check was never cashed and they would resend it. I called back now a FOURTH time ( 15 days after my original call date ) and they are now saying that the check was cashed back in XXXX of XXXX XXXX have never received the check and its being withheld. I get nothing but different stories everytime i call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. 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 XXXX 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.

Company response to consumer: Closed with explanation