vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
Attorney-in-Fact / Executor / Private Fiduciary XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Last 4 ) : XXXX XXXX  Nos. : XXXX / XXXX / XXXX / XXXX / XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ) XXXX Subject : IMMEDIATE CREDIT DENIAL RECONSIDERATION & APPROVAL ESTATE CREDIT THEFT, CAFR FRAUD, XXXX  MISREPORTING On XX/XX/2025, XXXXXXXX XXXX XXXX XXXXXXXX initiated a hard credit inquiry against the XXXX XXXX XXXX ESTATE without fiduciary authorization or permissible purpose.

As the sole fiduciary of record with the IRS, I have filed and recorded IRS Forms 2848 and 56, establishing XXXX authority over the Estate and its associated EIN. XXXX XXXX : FCRA Violations Unauthorized hard inquiry in violation of XXXX5 U.S.C. 1681b, 1681m, 1681n.

ECOA Violations Improper adverse action and denial of credit contrary to 15 U.S.C. 1691 and 12 C.F.R. 1002.9.

TILA Violations Failure to disclose material credit terms ; misleading adverse action ( 15 U.S.C. 1611 ).

GLBA Violations Unauthorized sharing/use of fiduciary credit information ( 15 U.S.C. 68016809 ).

Bank Fraud / False Entries Denied applications exploited for liquidity, Discount Window pledges, and CAFR concealment ( 18 U.S.C. 1341, 1343, 1344, 1005, 1348, 1519 ).

Fiduciary Obstruction Blocking CAF-recognized fiduciary authority under 26 U.S.C. 6036, 6903 ; 26 C.F.R. 301.6903-1.

Disability & Civil Rights Denial of estate credit and obstruction of fiduciary access directly harmed a XXXX  XXXX  heir ( XXXX  ) with federally protected 504 Plan and ADA rights. 

XXXX unauthorized actions caused false XXXX entries tied to the Estates EIN , misreporting business account activity to the IRS and Treasury.

Relief Requested Immediate deletion of the unauthorized inquiry ( XX/XX/2025 ). 
Written confirmation of permissible purpose or, absent that, full rescission. 
Reconsideration and approval of estate credit application under corrected terms. 
Civil penalties, restitution, and referral to NCUA, FBI, DOJ, IRS-CI , and OCC for IMF/BMF fraud , CAFR concealment, and aggravated identity theft.

Affirmation of fiduciary standing and compliance with IRS XXXX records. 

Supporting Documentation Credit report showing unauthorized inquiry ( XX/XX/2025 ). 
IRS Forms 2848 / 56 ( XXXX registration ). 
DPOA & Fiduciary Affidavit.

ADA/504 documentation for dependent heir ( XXXX. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
To : XXXX XXXX Attn : Credit Reporting Department Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Dear [ XXXX XXXX ] Representative, I am contacting you to formally dispute the information your company is reporting to the credit bureaus regarding the following account : o Account Name ( as listed on credit report ) : [ XXXX XXXX XXXX o Reported Address : [ XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXX ] o My Current and Correct Address : [ XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ] This trade-line is being disputed for two separate and material reasons : The account on file reflects an address that is completely inaccurate and has never been associated with me. I have never resided at, used, or been affiliated with this address in any capacity. Reporting information under an incorrect identity- or using inaccurate personal identifiers - violates the Fair Credit Reporting Act ( FCRA ), which requires all data furnishers to report only complete and accurate information ( 15 U.S.C. 1681s-2 ). 
This inaccuracy calls into serious question whether this debt was ever validly associated with me at all. 
This debt has been sold or transferred to a third-party collection agency, and therefore, you are no longer the owner or servicer of the account. Under credit reporting standards, when a debt is sold, the original creditor is expected to : o Update the account to a {$0.00} balance o Note that the debt was " sold or transferred '' o Cease further derogatory reporting o Or remove the trade-line altogether if the reporting is inaccurate or misleading Continuing to report a derogatory trade-line with an outstanding balance and incorrect personal information - after the account has been sold- is misleading and may constitute willful noncompliance under the FCRA. 
I respectfully request that you : XXXX. Delete this trade-line in its entirety from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ) , OR 2. Provide written verification of the address you used to associate this debt with me, including how it was verified, AND XXXX. Provide documentation showing that the debt is still legitimately yours to report ( despite having been sold ). 
If your company can not substantiate the accuracy and ownership of this account, it must be deleted from all consumer reporting agencies under FCRA 611. 
Please respond within 30 days as required by federal law. If I do not receive a response or if the inaccurate information is not removed, l reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Capio Partners messaged my son in reference to my debt, with debt information of how much owed and trying to collect. Later on XX/XX/year> they called my son and discussed my medical debt. 
Come to find out, my son paid the debt thinking it would end up on his credit report. 
This company is vial and has repeatedly used illegal activities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I keep receiving these text messages from a XXXX number saying : " BofA : Debit card XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Reply STOP to end texts '' on XX/XX/year>, XX/XX/year>, 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 explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-09-30 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: Experian Information Solutions Inc.
State: TX

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 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 2025-09-30 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: AZ

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-30 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: WV

Complaint narrative:
I have previously disputed with TRANSUNION regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report lists a XXXX XXXX bankruptcy with case no. XXXX & XXXX, reported by XXXX Equifax, XXXX. The entry is inaccurate & unverifiable because not my record. I previously requested an investigation, but the bureau did not correct or verify the record with the original source

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Loan process began on XX/XX/XXXX with Rocket Mortgage. I was told that the mortgage was processed, all information necessary was received and a date for the closing would be set. I have called several times ( calls were approximately XX/XX/XXXX, XX/XX/XXXX and today, XX/XX/XXXX and prior ) and been told the same thing. This is a second mortgage. Previously, we maintained an excellent credit rating. With this delay, I have had to purchase using a high interest credit card. Now my credit rating is poor. We have several vendors beginning work inside our house tomorrow and expect cash payment not via credit card. We anticipated receiving the loan before now. ( In the past we have secured loans through XXXX and never had an issue with a closing date being so advanced. ) Each day that advances, I have to use my incoming cash, that me and my wife live on to pay the vendors leaving no money for living expenses or use the credit card for personal needs. Please help me. I'm now concerned that Rocket Mortgage holds all my financial information without expending the loan as promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX. : XXXX Reference : ( XXXX ) To Whom It May Concern, I am filing a complaint regarding JPMorgan Chase Bank , N.A . 

On XX/XX/year>, I attempted to deposit a {$2500.00} business check into my savings account using Chase XXXX XXXX. The deposit was rejected due to an endorsement issue, as shown in the rejection notice sent to me by Chase ( attached for reference ). 

The issue is that Chase has informed me they can not provide me with a copy of the check image. This is problematic because : Under 12 CFR 21.21 ( OCC recordkeeping requirements ) and the Bank Secrecy Act ( 31 CFR 1010.430 ), banks are required to maintain records sufficient to reconstruct transactions for at least five years.

Under Regulation CC ( 12 CFR Part 229 ), banks must provide notice of rejected items and maintain supporting documentation. 

By not retaining or being able to provide me with a copy of the rejected check, Chase has failed to comply with federal recordkeeping requirements. 

I request that the OCC/CFPB investigate this matter and require Chase to : Provide me with a copy of the rejected check ( or other official record of the transaction ). 

Confirm that proper recordkeeping practices are in place for mobile deposits, including rejected items. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation