vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Please remove all these items from my Credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : - XXXX I had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-07-09 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:
Please remove all these items from my Credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : - XXXX I had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-07-09 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXXL XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I had set up a settlement to pay off this loan on XX/XX/XXXX with Acima. I was supposed to pay XXXX with a debit card which I set up during the call to come out automatically. XX/XX/XXXX, I didn't have money in the bank for the payment to come out because my check had not gone in yet when Acima tried to pull the money. On XX/XX/XXXX, I received an email from Acima that my payment hadn't gone through and I needed to log in to make a payment. I logged into my account and paid the settlement amount of XXXX. I immediately called Acima to confirm my settlement was still valid since the payment didn't go through on the first. I was told they saw my payment and the account was closed but couldn't confirm my settlement would be valid and had to transfer me to the resolutions team. I spoke with someone on the Resolutions team ( I don't remember their name ) who told me not to worry because my settlement was still valid since the payment was made. 

I logged into my bank account directly after this call and found that XXXX settlement payments of XXXX had been taken from my account. I settled to close the account for XXXX and they took a total of XXXX from my account. I called them back immediately and found out AFTER I made the payment online and was transferred to the resolutions team, the resolutions representative had reprocessed my failed payment despite the fact that I had already paid the settled amount and the account was closed. This is exactly what the XXXX representative from Acima told me. They allegedly submitted a refund request but I have yet to receive a refund from them. It is not pending in my account either, and I can not for the life of me get anyone on the phone that has a brain cell in their head to help me resolve this. I just keep getting the same canned response of " we have submitted a request for a refund. '' On top of all of this frustration, because they took XXXX payments, they overdrew my account which caused a slurry of overdraft fees causing me to go XXXX dollars negative to cover the money that wasn't in my account and the number of overdraft fees I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was targeted by a scammer who succeeded in intimidating me to send a large sum of money to them. I contacted chase upon realization this was a scam to cancel the payment. The advised they would handle for me and submit it as a claim. Chase mishandled the claim and classified it wrongly. They lost the claim with XXXX and XXXX XXXX because they did not report the information correctly and I can not get the money back. They have claimed no liability. 

XX/XX/XXXX was the date of the transactions I called XXXX  times to reconfirm between the initial call on XXXX and XX/XX/XXXX. My call today on XXXX detailed the admittance of the failure to classify the claim by chase and refusal to reimburse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NVR INC.
State: NJ

Complaint narrative:
Applied for a mortgage for XXXX through NVR Home Mortgage. 

I have provided XXXX  years of tax returns, XXXX  years of tax transcripts for both Federal and State taxes paid that show XXXX balances owed to federal and state, W2 's to prove income, P & L reports to prove income vs. losses, bank statements to indicate deposits of funding and fund clearance for deposits made on the home, investment/bank statements from where the funds came from to source the funds confirming the withdrawals from XXXX account to another account to show the amounts are exactly the same in terms of withdrawals and deposits, pay stubs as recent as this last pay period from my employers ( XX/XX/year> ) .. Every day it's something else with this company in terms of what they need in terms of more information and more information. I have held XXXX mortgages in my lifetime and never experienced anything like what I'm experiencing with this company. They have over XXXX documents indicating proof of funds for deposits are legal and legitimate, taxes paid with XXXX balances owed to both feds and state, taxes paid on funds from retirement accounts, annual income to prove I can afford to pay for the mortgage, etc... months of checking account statements to show all financial transactions including employer direct deposits and all household expenses. This process is completely ridiculous. Today, I received another request to show I paid taxes on withdrawals from a retirement account but those taxes paid are reflected on the tax returns they have and they can source. I have provided more information to this company than I've ever provided to any other mortgage company in my life and I've had XXXX of them that I've qualified for and paid for as a XXXX year old man.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
XX/XX/2025 {$3000.00} To Whom It May Concern, I recently received a communication from your office regarding a debt you claim I owe. Im writing to formally request validation of this debt, as I have the right to do under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Before I take any further steps, I need to be sure this debt is actually mine and that your company has the legal right to collect it. Please send me the following : A detailed explanation of the debt, including the original creditor 's name and account number. 


A copy of the original signed agreement or contract that shows I agreed to this debt. 


Proof that you are legally authorized to collect on this debt, including any assignment or transfer documents. 


An itemized breakdown of the total amount being claimed ( principal, interest, fees, etc. ). 

Until I receive proper validation, I am requesting that you stop all collection activity, including reporting this account to the credit bureaus. Reporting invalid or unverified debt may be a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Please treat this letter as a formal dispute of the debt and a request for full validation. I expect a written response within XXXX days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 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: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors continue to cause significant harm during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
THIS AUTO LOAN ACCOUNT IS A RESULT OF IDENTITY THEFT. I HAVE CONTACTED ALL XXXX CREDIT BUREAUS IN XX/XX/XXXX AND HAVE CONTACTED THE COMPANIES INFORMING THEM THAT I AM A VICTIM OF IDENTITY THEFT REQUESTING THAT THEY DELETE THE ACCOUNT FROM MY CREDIT REPORT RIGHT AWAY. THEY STILL HAVE NOT DELETED IT. 

THE FRAUDULENT AUTO LOAN ACCOUNT IS GM FINANCIAL OPENED ON DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  - XXXX XXXX XXXX XXXX XXXX, XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX  XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE DELETION OF UNLAWFUL LATE PAYMENT REPORTING To Whom it May Concern : This letter serves as a formal demand for the immediate adjustment of a falsely reported late payment on my credit report. Your reporting of this late payment violates multiple federal laws. Including but not limited to 15 U.S.C. 1666b, 15 U.S.C 1637B, and 15 U.S.C 1681s-2 ( a ) ( 7 ) and 15 U.S.C 1681. If this inaccurate and unlawful information is not adjusted immediately or Removed, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commision ( FTC ), and my state 's Attorney General Furthermore, I am prepared to pursue legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ), which allows me to seek damages for your failure to adhere to federal regulations.

YOU ARE IN DIRECT VIOLATION OF FEDERAL LAW FOR THE FOLLOWING RESONS : 1 ). Violation of 15 U.S.C 1666B ( a ) - Lack of Reasonable Billing Procedures It is required by law that the creditor implements reasonable procedures to ensure billing statements are sent timely and correctly. If these procedures were not followed, then the late payment resulting from this failure is invalid and must be removed immediately.

2 ). Violation of 15 U.S.C 1637b -Requires creditors to send a periodic statement as required by this section- It is required by the creditor to mail or deliver to the consumer not later than 21 days before the payment due date it is a violation if the creditor fails to provide the required statement or if the statement is inaccurate and that invalid and must be removed immediately.

3 ). Violation of 15 U.S.C 1681s-2 ( a ) ( 7 ) This section states a person who furnishes information to a consumer reporting agency regarding a consumer may not furnish that person knows or has a reasonable to believe is accurate this is a violation for not getting my consent to furnish any inaccurate or accurate information on my consumer report this is a clear violation and i want this removed from my consumer report immediately. 
XXXX XXXX XXXX ACC # XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation