vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX and XXXX XXXX, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate investigation and removal of all negative items on my credit report that have resulted from fraudulent activity and data breaches. I have reported instances of identity theft, and despite my diligent efforts to resolve these inaccuracies, all three major credit bureausEquifax, Experian, and TransUnionare in violation of my rights as a consumer as outlined under the Fair Credit Reporting Act ( FCRA ). The specific accounts I dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are incorrect and not associated with me. It is unconscionable that the credit reporting agencies continue to allow these fraudulent reports to persist on my credit file without valid proof of my obligation. As per FCRA 609 ( a ) ( 1 ), I have the right to request the disclosure of all information in my file, and I have not received valid proof with my signature verifying these debts.

Furthermore, I must highlight that under the Gramm-Leach-Bliley Act ( GLBA ), my personal information must be safeguarded. The recent data breaches have led to significant exposure of my information, adding to the complications of resolving this issue. Clearly, my rights have been ignored, and I formally request that all negative items resulting from these breaches be removed without delay.

I am prepared to escalate this matter legally. I will take appropriate legal action for fraud if this situation is not resolved immediately. You have failed to obtain my consent to report any negative items that do not belong to me, and your negligence has had a severe impact on my ability to live freely and make financial decisions.

I expect the removal of all inaccuracies and fraudulent items from my credit reports within 30 days of receiving this notice, and a written response confirming the actions taken. 

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
DID NOT USE THE CARD AND CANCELLED IT. THEY HAVE CHARGE {$140.00} FEE FOR ANNUAL USE. I CANCELLED IT BEFORE IT WAS DUE. I CANCELLED IT IN WRITING AND BY PHONE. IT IS A BEST BUY CREDIT CARD BY CITI BANK. THEY SAID IT WAS CANCELLED BUT KEEP SENDING ME BILLS SAYING MY PAYMENT IS PAST DUE. I HAVE NOT CHARGED ANYTHING ON THE CARD AND SENT IT BACK TO CITI BANK. THEY HAVE BEEN HARASSING ME FOR THE PAST 3 MONTHS.. I HAVE NOT CHARGED ANYTHING ON THE CARD AND HAVE NEVER USED IT.

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 monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: MN

Complaint narrative:
I want to rescind the 2 nd contract they had us sign be made whole again any money or credits be returned or rescind all contracts and all money be returned they never told me nor did I give them permission to borrow from my ssn number then make me pay it back with interest if I knew this I would have never agreed this is fraud and I want to be brought back to whole all money created by me returned

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Chaparral Inc
State: OH

Complaint narrative:
I bought this car XX/XX/XXXX I have had issues with this vehicle ever since XX/XX/XXXX the day before XXXX XXXX the vehicle was overheating and I had to pull over on the highway and it caught on fire, the insurance company was going to total the vehicle but XXXX XXXX XXXX who I got the car through said they could fix it and give it back to me, I was out of a vehicle until it was fixed and ever since then I have been having issues with this vehicle over heating. Most recently it overheated and I was told by the mechanic at XXXX XXXX XXXX ( dealership I bought the car from ) said they keep trying to get the engine to not overheat but it keeps overheating and they sent it to XXXX and XXXX XXXX figure out the issue either and then I called XXXX XXXX XXXX and spoke with XXXX and he said the car isnt totaled and how the mechanic told Him that he could fix it and have it ready by Monday XX/XX/XXXX in which they had it for a month before they claimed it was ready. Then now that I have the car back they told me I have to pay an additional {$250.00} biweekly on top of my {$440.00} payment I make a month. This is a XXXX XXXX XXXX. I recently asked for my 10 day pay out letter and they told me I owe {$14000.00} which when I signed the papers for my car the price was around {$13000.00} and I have been paying on it since XX/XX/XXXX when the contract was signed. They gave me a paper showing {$250.00} bi weekly payment for the work they recently did on my car. I cant go trade this car in and get a more reliable car because theyre saying the car is {$14000.00} but XXXX XXXX book states trade in value $ XXXX. Can someone please help me. Also, I was not able to make the {$250.00} payment towards the additional fees they claim Im responsible for and they turned my car off while I was at work so I had to find a ride home. I have the document from XXXX XXXX XXXX XXXX XXXX XXXX specifies with account number XXXX XXXX. In the beginning the total amount for the car was {$17000.00} They are trying to say I have {$14000.00} balance left on the car. 

. When I look at all the payments I have made. On that document the balance does not match. The total payments that I have made {$10000.00}. That does not add up. It should be {$6400.00}. 
It was also a lemon, I have had issues with this car and has been in the shop more than I have been paying on it. They want me to pay {$500.00} a month additional for a XXXX vehicle. They sent me a letter that they are going to auction of the car in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WA

Complaint narrative:
I have disputed a account that has been paid off and still showed a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
I received a complaint in mail from Gurstel Law firm out of XXXX, XXXX and out of XXXX XXXXXXXX XXXX They said XXXX XXXX merged with XXXX and that I owe XXXX plus XXXX court costs and interest due and said I failed to answer their complaint they filed with court. I never got a court date to show up and dispute it. I also don't owe the XXXX amount they say. I never had that much for a credit limit with XXXX XXXX XXXX XXXX so why is it that much money. This company has a lot of complaints about their illegal practices. Please investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The same issue happened again. After the last complaint I filed with you, they contacted me and profusely apologized and promised that they would refund the {$1600.00} that they took from my account in violation of our authorized agreement. 

They replaced the {$1600.00}, and then once again in violation of our agreement deducted {$800.00} from my account again this month. 

The level of incompetence and lack of customer care demonstrated by Suncoast is simply beyond comprehension. 

I would like the {$800.00} they took out of my account again in violation of our agreement replaced and wired to my account at their expense. They actually had the gall to charge me {$20.00} as a fee to wire the {$1600.00} back to my account that they took out. 

I have great concern that they are going to keep taking out an additional {$800.00} every month once my regular payments are reinstated. The stress and financial hardship this has caused me is difficult to express in writing. Any help you can provide would be greatly appreciated. 

Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Blocking of Fraudulent Accounts Due to Identity Theft FCRA 605B To Whom It XXXX Concern, I am writing to formally notify you that I am a victim of identity theft. My personal and financial information was compromised in the XXXX  data breach, and fraudulent accounts have since appeared on my credit file. 

Under the Fair Credit Reporting Act, Section XXXX, I am requesting that you block and permanently remove the following accounts from my credit report, as they do not belong to me and are the direct result of identity theft : XXXX. XXXX XXXX XXXX XXXX I am enclosing the following documents as required : A copy of my government-issued photo identification Proof of my current address ( utility bill, lease, or bank statement ) A copy of my FTC Identity Theft Report and/or police report documenting the identity theft Please block these fraudulent accounts from my credit report within XXXX ( XXXX ) business days of receiving this request, as required by federal law. Additionally, please provide me with written confirmation once the accounts have been removed and send me an updated copy of my credit Sincerely, XXXX XXXX XXXX XX/XX/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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate payment history and account information. The account was charged-off in XXXXXX/XX/year>, yet they continue to update it as if new payments or balances are occurring. My payment history is being reported inaccurately, and each time it is updated, the balance and amount due keep changing, which is not consistent with a charged-off account. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 607 ( b ) : requiring consumer reporting agencies to assure maximum possible accuracy.

623 ( a ) : prohibiting furnishers from reporting information they know or should know is inaccurate.

611 ( a ) : requiring reasonable reinvestigation of disputed information.

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 2025-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX  XXXX DC XXXX Date : XX/XX/year> Subject : Formal Complaint and Dispute of Inaccurate and Unverifiable Credit Reporting Experian, Equifax, and TransUnion Dear CFPB, I am filing this complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable information on my credit files. 

Under the Fair Credit Reporting Act ( FCRA ), these agencies are required to maintain maximum possible accuracy and to properly reinvestigate disputes. Despite this, the following accounts continue to appear on my reports even though they are inaccurate, incomplete, or unverifiable. 

Accounts in Dispute Experian XXXX. Dept of EdXXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct XXXX XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Equifax XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct XXXX XXXXXXXX XXXX. XXXX XXXX Acct XXXX XXXX TransUnion XXXX. XXXX Acct # XXXX XXXX. XXXX of XXXX Acct # XXXX XXXX. Dept of EdXXXX AccXXXX XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXXXXXX Basis for Dispute XXXX. Violation of FCRA 1681e ( b ) and 1681i ( a ) : Each bureau is required to ensure maximum possible accuracy and conduct proper reinvestigations. These obligations have not been met. 
XXXX. Failure to Verify : The above accounts are either inaccurate or unverifiable. If they can not be verified within the statutory time frame, they must be deleted immediately. 
XXXX. Recent Legal Actions : Federal enforcement and lawsuits against Experian and Equifax confirm systemic failures in ensuring report accuracy. 


Action Requested I am requesting that the CFPB require Experian, Equifax, and TransUnion to : Immediately conduct proper reinvestigations of the accounts listed above. 
Delete any account that can not be fully verified with documented proof. 
Provide me with written confirmation of deletions or corrections within 30 days. 


If these agencies fail to comply, I ask that the CFPB take appropriate enforcement action to protect my rights under the law. 

Sincerely, 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 2025-08-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX  XXXX DC XXXX Date : XX/XX/year> Subject : Formal Complaint and Dispute of Inaccurate and Unverifiable Credit Reporting Experian, Equifax, and TransUnion Dear CFPB, I am filing this complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable information on my credit files. 

Under the Fair Credit Reporting Act ( FCRA ), these agencies are required to maintain maximum possible accuracy and to properly reinvestigate disputes. Despite this, the following accounts continue to appear on my reports even though they are inaccurate, incomplete, or unverifiable. 

Accounts in Dispute Experian XXXX. Dept of EdXXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct XXXX XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Equifax XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct XXXX XXXXXXXX XXXX. XXXX XXXX Acct XXXX XXXX TransUnion XXXX. XXXX Acct # XXXX XXXX. XXXX of XXXX Acct # XXXX XXXX. Dept of EdXXXX AccXXXX XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXXXXXX Basis for Dispute XXXX. Violation of FCRA 1681e ( b ) and 1681i ( a ) : Each bureau is required to ensure maximum possible accuracy and conduct proper reinvestigations. These obligations have not been met. 
XXXX. Failure to Verify : The above accounts are either inaccurate or unverifiable. If they can not be verified within the statutory time frame, they must be deleted immediately. 
XXXX. Recent Legal Actions : Federal enforcement and lawsuits against Experian and Equifax confirm systemic failures in ensuring report accuracy. 


Action Requested I am requesting that the CFPB require Experian, Equifax, and TransUnion to : Immediately conduct proper reinvestigations of the accounts listed above. 
Delete any account that can not be fully verified with documented proof. 
Provide me with written confirmation of deletions or corrections within 30 days. 


If these agencies fail to comply, I ask that the CFPB take appropriate enforcement action to protect my rights under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief