vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX 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 , Equifax Information LLC Services and Experian 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 XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 number : 191773383 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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC-XXXX XXXX  XXXX RETURNED XX/XX/year> Reported as a CHARGE OFF THEY HAVE THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( XXXX XXXX XXXX  Account Number : XXXX ) I disputed the referenced account above on XX/XX/year>2025. The credit report of ( XXXX XXXX,2025 ) shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report. 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, I had XXXX credit card accounts with Navy Federal Credit Union that were both charged off, with outstanding balances of approximately {$6000.00} and {$21000.00}. 

Under IRS regulations ( 26 U.S. Code 6050P ), creditors are required to issue and provide a Form 1099-C when {$600.00} or more of debt is canceled or charged off so the consumer can accurately report the amount to the IRS. 

After the accounts were charged off, Navy Federal Credit Union continued to withdraw money from my checking account to pay toward both debts. To date, I have paid approximately {$550.00} toward Account XXXX and {$550.00} toward Account XXXX in XX/XX/XXXX. Despite these withdrawals, the balances on both accounts have not changed, and the account histories do not reflect these payments. 

I have contacted Navy Federal Credit Union multiple times on XX/XX/XXXX Initial call requesting account closure details and future tax documentation. 
XX/XX/XXXX Called to request a statement of charged-off balances. 
XX/XX/XXXX Followed up ; representative advised no tax form generated yet. 
XX/XX/XXXX Requested updated balance and confirmation of 1099-C filing. 
XX/XX/XXXX Spoke with the collections department ; transferred to multiple departments, still didn't get the information requested. 
XX/XX/XXXX Another follow-up ; no progress or updates provided. 
XX/XX/XXXX Called again ; the representative escalated the request. 
XX/XX/XXXX Contacted customer service; was told balances remained unchanged despite payments. 
XX/XX/XXXX Requested supervisor ; promised callback that never happened. 
XX/XX/XXXX Followed up ; informed account review still in process. 
XX/XX/XXXX Requested both balances and tax forms ; still not provided. 
XX/XX/XXXX Called again to escalate the issue ; no resolution provided. 
XX/XX/XXXX Spoke with an agent; was told system does not generate 1099-C automatically. 
XX/XX/XXXX Followed up; again requested accurate balance adjustments and forms. 
XX/XX/XXXX Most recent call ; representative stated they can not provide 1099-C without explanation., Specifically requesting updated balance statements for both accounts and the IRS Form 1099-C for each charged-off account. My requests have been ignored or denied.

This situation is preventing me from properly reporting the canceled debt on my taxes and may also be resulting in inaccurate credit reporting. I am requesting that the CFPB assist me in having the creditor : Provide accurate, updated account balances for both accounts reflecting the payments that have been withdrawn from my checking account.

Issue and provide the IRS Form 1099-C for both accounts, as required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Formal Dispute of Charged-Off Account and Demand for Removal Under the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this follow-up complaint to reiterate my dispute and demand action under the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 605B, you are obligated to block and remove any information furnished in a consumer report when it can not be verified, is inaccurate, or is not permitted to be reported. Additionally, FCRA 611 requires you to conduct a reasonable reinvestigation of disputed information and delete or correct any entry that is inaccurate, incomplete, or unverifiable.

Despite my prior dispute, the following accounts and inquiries remain on my file without valid documentation or verification : Accounts in Dispute XXXX  XXXX Acct. No. XXXX Balance : {$71000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Acct. No. XXXX Balance : {$5900.00} Inquiries/Entries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Exeter Finance LLC wrongfully repossessed my XXXX XXXX XXXX  ( VIN : XXXX ), charged unauthorized and retroactive interest, reported inaccurate information to credit bureaus, and attempted to collect a fraudulent deficiency balance. Their conduct violates the FCRA, TILA, FDCPA, UCC, and state consumer protection laws. 



Complaint Details I financed a XXXX XXXX XXXX  on XX/XX/XXXX in New York through Exeter Finance. 
In XX/XX/XXXX, Exeter repossessed the vehicle. I promptly paid over {$2800.00} to reinstate the loan and recover the vehicle. 
From XX/XX/XXXX through XX/XX/XXXX, I made {$18000.00} in voluntary payments, all applied to principal. No interest or fees were assessed or disclosed during this time. 
As of XX/XX/XXXX, my remaining balance was {$3100.00}. 
Exeter repossessed the vehicle again on XX/XX/XXXX in Maryland and sold it in XX/XX/XXXX for {$4000.00}. 
Instead of applying proceeds properly, Exeter : Deducted {$860.00} as interest that was never assessed during the payment period. 
Added nearly {$1900.00} in unexplained post-repossession finance charges. 
Reported conflicting deficiency balances ( {$1500.00} vs. {$2600.00} ). 

Violations include : 1. FCRA Reported account as charged off even after reinstatement, failed to report payments accurately, and misrepresented tradeline.

2. TILA Retroactively imposed undisclosed interest at time of repossession.

3. UCC & State Law No pre-repossession delinquency notice required by New York and Maryland law.

4. FDCPA & Deceptive Practices Attempted to collect unauthorized and inflated deficiency balances.

5. Privacy Shared my personal information with third-party repossession agents without my consent.

6. Unjust Enrichment Retained {$860.00} from vehicle sale proceeds as interest that was never owed.

This conduct caused financial loss, credit damage, and emotional distress, including loss of transportation for XXXX months, forfeiture of my {$9400.00} down payment, and loss of employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND WAS OPEN WITH OUT MY PERMISSION. 
I DO NOT HAVE ANY CONECTIONS WITH THIS ACCOUNT. I AM A VICTIM OF IDENTITY THEFT AND I WOULD LIKE THIS Fraudulent ACCOUNT deleted immediately. Base on the consumer law : act 15usc section 604, act 15usc 605B, act15usc 609..

act15usc 623, also Comsumer law 15usc1681i ( a ) ( 6 ) ( b ) iii and ( FCRA ) 1681s-2 ( b ). I did not receive a 1099c .. thank you for your time and attention in this matter. Please send me a update to the e-mail I've provide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 2025-08-25 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: GA

Complaint narrative:
submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} Chargeoff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I received my " Paid in Full '' letter XX/XX/XXXX ( PSLF ). I have an overpayment balance due of {$1300.00}, which I have not yet received. I have contacted MOHELA twice ( online in XX/XX/XXXX and XX/XX/XXXX ) and both times the response was " All refunds are issued by the U.S. Treasury. MOHELA is not able to verify a maximum timeframe on behalf of the U.S. Treasury 's processing ''. I've tried calling but there's always a two-hour wait. I submitted a complaint to XXXX XXXX XXXX on XX/XX/XXXX and received an email from them saying they would respond within the next 15 days. Today is XX/XX/XXXX ( a month later ) and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute several unauthorized or inaccurate hard inquiries that appear on my credit report. Under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ), consumer credit reports may only be accessed with a permissible purpose and my explicit consent.

After reviewing my credit file, I found multiple inquiries that I did not initiate, authorize, or consent to. If these inquiries lack proper authorization or documentation proving a permissible purpose, they represent a violation of my rights under federal law. 
Therefore, I am requesting an immediate investigation and removal of the following disputed inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which XXXX XXXX confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please see supporting documents pertaining to identity theft and data breaches due to the negligence of TransUnion LLC This is a formal demand for the immediate deletion and blocking of fraudulent, inaccurate, and non-compliant items currently being reported on my consumer file. This notice serves as a * * direct legal demand * * and is not to be treated as a standard 30-day dispute under 15 U.S.C. 1681i, nor a reinvestigation request. I am invoking my rights under 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) and related consumer protection laws I am a victim of identity theft. I did not authorize the sharing of my information to any non-affiliated third parties, I have a right to privacy and did not give you permission to share my information pursuant to 15 U.S.C. 6802- 6805. The following information on my credit reports is fraudulent and must be permanently removed in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

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