vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
On XX/XX/year>, Equifax received a formal dispute under 15 U.S.C. XXXX regarding inaccurate account reporting. The dispute identified specific errors and requested corrections or deletion. However, Equifax did not meet its obligations to investigate, review relevant information, or correct/delete inaccurate data as required by 15 USC XXXX. The continued inaccurate reporting has harmed my credit profile. See attachment for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
United Auto Credit repossessed my wifes vehicle XXXX  once in XX/XX/XXXX and again in XX/XX/XXXX while I was actively serving under military orders, which violates the Servicemembers Civil Relief Act ( SCRA ), XXXX XXXX CXXXXe XXXX. I am the XXXX service member, and my wife is a dependent entitled to XXXX protection. 

On XX/XX/XXXX, we submitted official military orders to United Auto Credit by email ( to XXXX ). The company acknowledged receipt by lowering the loans interest rate in response proof they received and acted on the orders. 

Despite this, they repossessed the vehicle without a court order XXXX, returned it both times, and then charged off the loan and damaged my wifes credit even though the vehicle is still in our possession and we've been trying to get it registered. 

In their XX/XX/XXXX response to the CFPB, United Auto Credit falsely claimed they never received documentation, which is provably untrue. We submitted proof of military orders, a copy of the XX/XX/XXXX email, and confirmation of the interest rate adjustment tied to those orders. 

We also requested the vehicle title multiple times so we can register it in our state ( Colorado ), but the company delayed for months. We were forced to file legal action due to this situation causing transportation hardship, credit damage, and significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX  Date : 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
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 2025-07-24 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-07-24 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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 grant you an additional XXXX 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. 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 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 2025-07-24 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXCARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$9900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I was given several legal notices for some kind of debt I did not have in not even my legal name, then my work was given a notice for my wages even though this is not my legal name and was not served. They have given out my social security number multiple times leaving it on forms for anyone to see.The people who " served '' this did not 1. serve it at my address and 2. left this packet of information wide open for anyone to see on the porch of a relatives house. It was given to some random person at my job, who recognized my nickname as the one that was listed on there and I received it. I have consulted with a law firm in regards to counter suing for illegal publication of my identity and personal information as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Synchrony Bank and XXXX XXXX XXXX, I am writing to formally demand the immediate removal of a fraudulent XXXX XXXX  credit card account that has been wrongfully reported on my credit file. I did not open this account, authorize its use, or have any involvement with it. It is the direct result of identity theft. 

As required under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ) and the Identity Theft Enforcement and Restitution Act, I have already filed an official identity theft report with the Federal Trade Commission and a police report, which are enclosed/attached with this letter. Additionally, I am represented by legal counsel, and litigation preparation is currently underway.

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 2025-07-24 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: TX

Complaint narrative:
I do not recognize the listed credit inquiries and believe they may be fraudulent. Please take corrective action immediately and review the provided 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: IL

Complaint narrative:
I submitted a written request for debt validation to IQ Data International regarding a collection account they are reporting related to a former apartment lease. Their response failed to include sufficient documentation to verify the debt. 
They provided a basic lease but did not include any clause authorizing the addition of 5 % interest per annum to the balance. 
The payment ledger includes write-off charges but lacks proper breakdowns or justification for the amounts listed. 
They failed to include information specific to Illinois, where the lease took place, and instead enclosed generic information about other states. 
Because they did not fully validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that the credit reporting agencies remove this account from my credit file. I am also requesting that IQ Data cease collection activity until proper documentation is provided. They failed to send adequate validation per my request. They did not provide a signed lease showing I agreed to 5 % interest, a breakdown of charges, or any mention of applicable Illinois rental laws. This is incomplete debt validation under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Ive filed 2 complaints before this and this should be my last as of now I am imploring the CFPB to do something and if not will leave me with no other option then to file suit against all 4 companies. XXXX, EXPERIAN, TRANSUNION, EQUIFAX for their total disregard of the CARES ACT. I am attaching a picture of the statement that XXXX gave to me that shows that XX/XX/XXXX was my next due date, the cares ACT was signed XX/XX/XXXX and back dated to XXXX and it states that as long as the consumer was not delinquent at the time of the signed law and consumer is in contact with the company then they couldnt show a delinquency for 120 days means my first delinquent payment wouldve been the month of XXXX thats the first derogatory thing that XXXX shown up. I was laid off and or released the XXXX of XXXX left in limbo until the XXXX when the governor enacted the no more then XXXX people and so on. I was in contact with them and can prove it the billing cycle for marches due date as the investigation says was my next payment my VAPR was 14.79 % they lowered it after I told them I was no longer working to 12.99 % at a time when prime or number used to figure a Variable apr rose 114 %. So with that being said they violated federal law then hurried up and closed the account without even notifying me when they knew what was going on. Ive disputed this accounts accuracy and so on thru transunion every month it seems for the last 3 years with no change theyd adjust a date then say its correct. And now that EQUIFAX has chimed in and said theyre siding with BOFA means no one at either camp knows anything about the CARES act and or dont care. 

I will also be posting BOFAs interest calculation and this calculation is used to figure out the interest on that months bill. You will see that the number from the calculation is higher then the balance due every single month and not by a few cents but {$22.00} on average making there interest charged to consumers not an actual accurate estimate instead its overcharging. Theyre algorithm says its based on an average daily balance and so on but if the balance hasnt changed then theyre algorithm is wrong for the balance from the previous month after fees should be the number used to determine the interest on the following month. Over XXXX years Ive roughly overpaid $ XXXX which some say isnt much but if you multiply that by the sheer number of customer and consumers they have your talking BILLIONS in illegally calculated money.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive filed XXXX complaints before this and this should be my last as of now I am imploring the CFPB to do something and if not will leave me with no other option then to file suit against all XXXX companies. XXXXXXXX XXXX XXXX, EQUIFAX for their total disregard of the CARES ACT. I am attaching a picture of the statement that XXXX gave to me that shows that XX/XX/XXXX was my next due date, the cares ACT was signed XX/XX/XXXX and back dated to XXXX and it states that as long as the consumer was not delinquent at the time of the signed law and consumer is in contact with the company then they couldnt show a delinquency for 120 days means my first delinquent payment wouldve been the month of XXXX thats the first derogatory thing that shouldve shown up. I was laid off and or released the XXXX of XXXX left in limbo until the XXXX when the governor enacted the no more then XXXX people and so on. I was in contact with them and can prove it the billing cycle for marches due date as the investigation says was my next payment my VAPR was 14.79 % they lowered it after I told them I was no longer working to 12.99 % at a time when prime or number used to figure a Variable apr rose 114 %. So with that being said they violated federal law then hurried up and closed the account without even notifying me when they knew what was going on. Ive disputed this accounts accuracy and so on thru transunion every month it seems for the last 3 years with no change theyd adjust a date then say its correct. And now that EQUIFAX has chimed in and said theyre siding with XXXX  means no one at either camp knows anything about the CARES act and or dont care. 

I will also be posting XXXX  interest calculation and this calculation is used to figure out the interest on that months bill. You will see that the number from the calculation is higher then the balance due every single month and not by a few cents but {$22.00} on average making there interest charged to consumers not an actual accurate estimate instead its overcharging. Theyre algorithm says its based on an average daily balance and so on but if the balance hasnt changed then theyre algorithm is wrong for the balance from the previous month after fees should be the number used to determine the interest on the following month. Over XXXX years Ive roughly overpaid $ XXXX which some say isnt much but if you multiply that by the sheer number of customer and consumers they have your talking BILLIONS in illegally calculated money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Ive filed XXXX complaints before this and this should be my last as of now I am imploring the CFPB to do something and if not will leave me with no other option then to file suit against all XXXX companies. XXXX, XXXX, TRANSUNION, XXXX  for their total disregard of the CARES ACT. I am attaching a picture of the statement that XXXX gave to me that shows that XX/XX/XXXX was my next due date, the cares ACT was signed XX/XX/XXXX and back dated to XXXX and it states that as long as the consumer was not delinquent at the time of the signed law and consumer is in contact with the company then they couldnt show a delinquency for 120 days means my first delinquent payment wouldve been the month of XXXX thats the first derogatory thing that shouldve shown up. I was laid off and or released the XXXX of XXXX left in limbo until the XXXX when the governor enacted the no more then XXXX people and so on. I was in contact with them and can prove it the billing cycle for marches due date as the investigation says was my next payment my VAPR was 14.79 % they lowered it after I told them I was no longer working to 12.99 % at a time when prime or number used to figure a Variable apr rose 114 %. So with that being said they violated federal law then hurried up and closed the account without even notifying me when they knew what was going on. Ive disputed this accounts accuracy and so on thru transunion every month it seems for the last 3 years with no change theyd adjust a date then say its correct. And now that XXXX  has chimed in and said theyre siding with XXXX  XXXX no one at either camp knows anything about the CARES act and or dont care. 

I will also be posting XXXX  interest calculation and this calculation is used to figure out the interest on that months bill. You will see that the number from the calculation is higher then the balance due every single month and not by a few cents but {$22.00} on average making there interest charged to consumers not an actual accurate estimate instead its overcharging. Theyre algorithm says its based on an average daily balance and so on but if the balance hasnt changed then theyre algorithm is wrong for the balance from the previous month after fees should be the number used to determine the interest on the following month. Over XXXX years Ive roughly overpaid $ XXXX which some say isnt much but if you multiply that by the sheer number of customer and consumers they have your talking BILLIONS in illegally calculated money.

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