vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: SC

Complaint narrative:
In applying for a mortgage in house through Lennar, the underwriter through their questioning, learned that I was engaged to a woman with multiple children. Based on my anticipated marriage and all of them moving in with me eventually after that marriage, Lennar increased my family/household size from 1 to me plus my fianc and her children. Lennar then further demanded that my fianc provide documentation for her income including any child support even though she would not be on the loan. 

Per VA Lenders Handbook M26-7, Chapter 4 : Credit Underwriting , pg4-50 : " Count all members of the household ( without regard to the nature of the relationship ) when determining family size, including : A borrowers spouse who is not joining in title or on the note, and Any other individuals who depend on the borrower for support.

If a dependent is claimed on the Federal Tax Returns, then the dependent must be considered as a member of the household, to calculate residual income. '' At the time of mortgage application, I was single for tax return purposes and all other considerations. No one depended on me for support.

Lennar 's actions were also in violation of the ECOA which prohibits considerations of the impact of marital status or a change of that in the future whereby familial status and residual income calculations may be impacted.

Lennar 's position was that once they learned due to their questioning that I would be getting married in the future to a woman with children, that there was no way to roll back that information and that it had to be considered despite the VA lender 's guidelines and the ECOA. 

There are dozens of back-and-forth emails and texts on this matter. Due to the increased family size, Lennar also required that I terminate and dissolve my business.

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 2025-08-27 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: FL

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA XXXX ( b ), you are required to maintain maximum accuracy, and under XXXX you must reinvestigate disputed information. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TekCollect Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account and personal loans the names are XXXX XXXX XXXX XXXX XXXX ) and TEK COLLECT INC ( personal loan ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit  report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account and personal loans the names are XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( personal loan ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-27 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: AL

Complaint narrative:
I am writing to formally dispute one or more bankruptcy-related entries listed on my credit report. These entries are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately attributed to my credit file. I did not authorize, open, or maintain this account. Its presence is false and is negatively affecting my credit profile and financial reputation.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I bank with Chime I noticed a transaction come through on my debit account from XXXX for {$57.00} on XXXX XXXX2025. I immediately called my bank and let them know this was not me. We froze the account. I then contacted XXXX and made sure we didnt have a subscription or anything like that. XXXX informed they didnt have a transaction for this amount/date/time with my card number. I then contacted chime back and was advised to close my card and get a new card along with filing a dispute. I filed the dispute and they denied it. I was advised to file a rebutle dispute and provide evidence of my work clock in for that day, screen shots of my XXXX account as well as a reference provided by XXXX so they could work with my bank and prove to them I did not make the transaction. My rebutle as of today XXXX XXXX2025 was denied yet again. So I contacted chime and asked to speak to a manager. The manager was so unprofessional and rude and told me that XXXX is a liar and they are the ones stealing my money and that if I wanted my money back then I had to get a refund from XXXX. XXXX can not refund me as they dont have a transaction in their system from my account so I have to handle it through my bank. The customer service Ive received from chime is very unprofessional and they are unwilling to help. My card information was obviously compromised and Ive been nothing but complient and Ive done everything I can to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
SEE ATTACHMENTS! for inaccurate credit reporting, improper use of consumer credit reports, and affidavits for misuse of consumer report, along with FTC report for identity theft. fraudulent, inaccurate, and unverified accounts being reported on my consumer credit file. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), the Truth in Lending Act ( TILA ), Texas Finance Code, and CFPB enforcement regulations. I am serving formal legal notice and demand that you immediately investigate and permanently DELETE all disputed items listed below and update consumer credit file within 14 days of receiving this notice. Notices sent to Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX, and XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX. 2. No reinsertion without compliance with FCRA 1681i ( a ) ( 5 ) ( B )

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> RE : Inquiries Dated XX/XX/scrub>/2025 and XX/XX/year>2025 Greetings, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money.

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. Please be aware that should you instigate a lawsuit against me without proof that I owe you anything at all, I now have evidence that you are creating a frivolous lawsuit.

Instigating a frivolous lawsuit may subject you to sanctions by the court, including costs, fees, and penalties. I exhort you to carefully consider your course of action from this point forward. 
best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 may 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XX/XX/year>XXXX  {$54.00} Late fee, labeled as then. 
There should have been no late fee Now Im being told that I was never billed a late fee. I have pictures of my account on the website of this payment request being made as a late payment fee, Exeter now denies it ever existed as such and that I had simply made a payment on interest even though I had on XXXX made my monthly payment and then some. Payment of {$800.00}. The attached document says in stated month there was a late payment thus resulting in an increase in interest.i was not billed in the month of XXXX by Exeter because of my prior payments exceeding the amount owed had covered XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX the XXXX XXXX XXXX went into Navy Federal personally at XXXXXXXX XXXX where I was unfortunately greeted by XXXX the supervisor at that time and day. Not only was I XXXX profiled she continuously asked me what my documentation of needing to be notarized she demanded that I show her not only once but twice when giving her the paperwork she obviously was not reading it because she asked me my name after I gave her the paperwork to review even though I had already called prior to make sure that my bank did cover the notary upon arriving when also sharing that with her she continuously harassed me before I was able to even get in line to be able to get what I came there for which was notary.XXXX was the supervisor apparently she had other objectives that she wanted to implicate and me getting a notary was obviously going to be a task going through her for some odd reason. That was no reason for her to XXXX profile me and nor did I appreciate it along with being harassed in and after I left the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rosebud Economic Development Corporation
State: VI

Complaint narrative:
I have received calls from 3 different agencies requesting that I pay a zoca loan, from XXXX the loan amount jumped from {$1000.00} to {$3500.00}, I started paying one company XXXX then in XXXX a new company called XXXX called and I started paying them also along with XXXX, then in XX/XX/XXXX XXXXXXXX XXXX started calling and I just did an agreement with them also ; just to avoid court and all of that I dont live in Florida and I am also unemployed right now and so far I have probably paid almost {$3000.00} or close to that between XXXX XXXX XXXX and XXXX sent no recipes or email communication when they took the payments. Now it came to me that I was paying XXXX so I called them on XX/XX/XXXX and the employee had an attitude that because my payment didnt go thru thats why I was now calling to ask who am I paying the debt for, I told him because I realize 3 agencies calling me for the same debt and I am not working and struggling to be paying debts for the same loan thats not fair to me at all.

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