vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I applied for Tesla financing for a new auto loan under reservation # XXXX via the Tesla mobile app, the application was submitted successfully received notification from Tesla that the credit decision was pending that it could take up to XXXX hours to receive answer. Later on the same day XXXX I received a call from XXXX a manager from Tesla in XXXX phone # XXXX and said that my credit was denied that she needed to cancel the order and that unfortunately the {$250.00} order fee was non refundable so I said ok so am I not able to use the approval I already had for financing and she said no for every order a new fee needs to be paid and a new application needs to be submitted I was like ok I guess my lost, so she said I will cancel your order XXXX and we will proceed with order XXXX for the XXXX XXXX submitted last month which is already fully approved pending delivery date so that was that. Then at XXXX same day XXXX I received a text message from Tesla financing stating that the financing for order XXXX was approved for me to review the terms of the approval so I logged into my Tesla account and the order was no longer active it was cancelled I never received a cancellation notice nor a credit denial for the financing on this order XXXX. Service Advisor XXXX treated me unfairly she assumed that I was not approved when the application was still under review made me feel so bad, super stressed out. 
I am very disappointed by the way Tesla advisor handle the situation and I feel that Tesla should make the process more friendly user. I do not agree with the fact that if you are not able to make any changes to your vehicle reservation if it still pending delivery for something that is out of my control I should be given the opportunity to finance the vehicle I choose without feeling pressure. 
I have attached evidence of the notifications received that my application for finance was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner is reporting a collection account on all three of my credit reports XXXX XXXX XXXX XXXX without ever having received my consent or authorization to possess or use my personal information. 

I have never done business with this company, never signed anything agreeing to be contacted or reported by them, and I never received any communication from them regarding this debt. This is a violation of my privacy rights and my consumer protection rights under federal law. 

They are in illegal possession of my personal identifying information including my name, address, Social Security number, and financial data, and have reported it to all three major credit bureaus without my knowledge or approval. 

I have not received any : Validation letter Notice of placement Contract or agreement with my signature They have failed to provide me with : Proof of the original debt A copy of any contract showing I agreed to this debt My wet signature The legal chain of assignment showing they have any right to collect or report This company is in violation of : 15 U.S. Code 1692g ( a ) No timely written notice or validation 15 U.S. Code 1681s-2 Furnishing inaccurate and unverifiable information 15 U.S. Code 1681b Accessing and reporting personal information with no permissible purpose FCRA Section 604 No legal authorization to access or report my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to disputing the accuracy and continued reporting of several accounts and inquiries appearing on my credit file. Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I am requesting a reasonable reinvestigation and removal of these items unless they can be verified with complete and accurate documentation. 
My report contains a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}. This information is inaccurate and unverifiable and must be deleted in accordance with the law. In addition, there is a charge-off reported by XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$12000.00}. Because this charge-off exceeds {$600.00} and no IRS Form 1099-C has been issued , the reporting is unlawful and must be removed. 
There are further charge-off accounts being reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}, and XXXX XXXX  XXXX * XXXX with a {$0.00} balance. These accounts are obsolete and their continued reporting violates FCRA 605 ( a ), 15 U.S.C. 1681c, which prohibits outdated negative information from remaining on a consumers credit file. These must therefore be deleted.

Additionally, my report reflects several collection accounts that are the direct result of identity theft. Specifically, these include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with reported balances of {$880.00} and {$890.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$550.00}, and XXXX XXXX XXXXXXXX XXXX XXXX  with a balance of {$11000.00}. Under FCRA 605B, 15 U.S.C. 1681c-2, such fraudulent information must be blocked from my report once an identity theft report has been provided.

Finally, my credit report includes unauthorized inquiries from XXXX XXXX XXXX  dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and do not meet the permissible purpose requirements of FCRA 604 ( a ), 15 U.S.C. 1681b ( a ). If obtained under false pretenses, they would also violate FCRA 619, 15 U.S.C. 1681q. As such, these inquiries must also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 filing a complaint to disputing the accuracy and continued reporting of several accounts and inquiries appearing on my credit file. Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I am requesting a reasonable reinvestigation and removal of these items unless they can be verified with complete and accurate documentation. 
My report contains a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}. This information is inaccurate and unverifiable and must be deleted in accordance with the law. In addition, there is a charge-off reported by XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$12000.00}. Because this charge-off exceeds {$600.00} and no IRS Form 1099-C has been issued , the reporting is unlawful and must be removed. 
There are further charge-off accounts being reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}, and XXXX XXXX  XXXX * XXXX with a {$0.00} balance. These accounts are obsolete and their continued reporting violates FCRA 605 ( a ), 15 U.S.C. 1681c, which prohibits outdated negative information from remaining on a consumers credit file. These must therefore be deleted.

Additionally, my report reflects several collection accounts that are the direct result of identity theft. Specifically, these include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with reported balances of {$880.00} and {$890.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$550.00}, and XXXX XXXX XXXXXXXX XXXX XXXX  with a balance of {$11000.00}. Under FCRA 605B, 15 U.S.C. 1681c-2, such fraudulent information must be blocked from my report once an identity theft report has been provided.

Finally, my credit report includes unauthorized inquiries from XXXX XXXX XXXX  dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and do not meet the permissible purpose requirements of FCRA 604 ( a ), 15 U.S.C. 1681b ( a ). If obtained under false pretenses, they would also violate FCRA 619, 15 U.S.C. 1681q. As such, these inquiries must also 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX attorney XXXX  attorney XXXX XXXX XXXX XXXX XXXX XXXX entered her appearance in my case for the XX/XX/year> proceeding with out my knowledge violating my due process, again. During that hearing attorney XXXX XXXXngage in discriminatory and unprofessional conduct by making derogatory statements directed at my gender identity specifically attorney XXXX stated to the judge that she could not tell if I am a man or woman the remark was irrelevant prejudicial and discriminatory and it had the effect of undermining my credibility and dignity in the courtroom. I was humiliated and embarrassed in front of the entire courtroom including but not limited to other attorneys judicial staff plaintiffs defendants and all persons in the gallery. why is this a serious issue : irrelevant and discriminatory comment the attorney 's reference to my gender had no bearing on the foreclosure matter which concerns property and debt issues. The comment was intended to disparage and humiliate me. The pattern of discrimination is retalitory because this incident occurred after I previously filed a CFPB complaint regarding Wells Fargo 's errors in reporting me as being in a XXXX XXXX  without my consent or knowledge. This history shows a pattern of discriminatory treatment connected to my identity. Violation of professional standards since attorneys have an ethical duty to maintain professionalism and respect in court disparaging remarks targeting a party 's gender are inconsistent with those duties. Consumer harm : the attorneys discriminatory mark remarks created an uneven playing field in legal proceedings and represents a form of harassment against me as a consumer this caused not only reputational and emotional harm but also raises questions of fairness in how financial institutions and their representatives treat consumers and foreclosure disputes.

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 2025-08-23 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
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 explanation
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Sometimes 2019 I signed up with XXXXXXXX XXXX XXXX for a phone that i was advised it was purchase to own as i requested, and I collect a handset at their store. At the end of the contract i was suprised to be informed that they said it was a lease. I've never leased a handset in my life. 
I refused to return it so XXXX generated a charge of {$350.00} ( For XXXX XXXX XXXX XXXX ) to debt collector named XXXX XXXX XXXX located in XXXX, MN XXXX I reach out to the collector requesting valid info that they failed to send but said XXXX owes me and threaten that I'm lucky the debt it's old or else they would have sued me for it. 
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clasp Group, Inc.
State: KS

Complaint narrative:
I signed an Income Share Agreement with the company Thinkful, anytime I make $ XXXX or XXXX a year I owe them XXXX  % of my gross income, and they have sold that agreement to multiple third parties. The third party entity called Clasp is telling me I made substantially more in XXXX  than I actually did, basing it off of my ex girlfriends net worth, not mine. Now theyre demanding I pay them $ XXXX plus almost {$1000.00} a month for money I never earned. I have informed them of this and they continue to pursue me. They are using fraudulent tax information to extort money from me that they are not owed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 2025-08-23 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-08-23 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
A formal dispute of several inaccurate, unauthorized, or fraudulent entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. 
After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and are negatively impacting my score. These accounts and inquiries were not authorized by me and are the result of identity theft or misreporting. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX  XX/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 non-monetary relief