vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TX

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: VA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding a misleading and unfair practice I experienced with Honda Financial Services. Specifically, I am concerned about the lack of transparency surrounding the down payment I made for my car lease and how it does not go towards the buyout price of the vehicle. 

In XXXX XXXX I leased a vehicle from XXXX for the second time, and as part of the agreement, I placed a substantial down payment of {$10000.00}. At no point was I informed by XXXX that this down payment would not be applied to the buyout price of the vehicle at the end of the lease. The sales representative did not clarify this critical detail, and I was under the impression that my down payment would be applied towards the final purchase of the car should I choose to buy it at the end of the lease term. 

However, I only discovered the truth about this practice when my mother went to lease a car from XXXX and was informed by the dealership that her down payment would not be applied toward the buyout of the vehicle. This was the first time I learned that XXXX does not apply down payments in this manner, which directly contradicts the information I was led to believe during my leasing process. 

As a result, I feel that I have been misled and have lost a significant sum of money $ XXXX the false assumption that it would be put toward the buyout. I am deeply disappointed in the lack of transparency and communication from Honda Financial Services, and I believe that this practice constitutes a form of consumer deception. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Honda Financial Services is held accountable for its failure to disclose this crucial information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I formally requested full validation and all supporting documentation for Account # XXXX. I provided notice that I have proof of payment and account closure. To date, you have not furnished the documentation required to validate this debt.

According to the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), a debt must be properly validated upon request. Furthermore, under the Fair Credit Reporting Act ( FCRA ), furnishing unverifiable or inaccurate information to credit bureaus is a violation of federal law.

Because you have failed to validate this account within the required time frame, and I have documented proof of payment, you are now obligated to : Cease all collection activity,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

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

1681c-2 ) that you, the Experian Credit 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 Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : 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 2025-06-30 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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 a credit card account opened at XXXX auto on XX/XX/XXXX under the account number XXXX. These auto 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 # ( private case number ) 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 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 2025-06-30 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: MI

Complaint narrative:
Ive been trying to correct the errors on my credit report for months, and the process has been nothing short of exhausting. Maintaining a strong credit profile is extremely important to me, yet these unresolved inaccuracies have damaged both my financial opportunities and my peace of mind. Despite my repeated efforts, my concerns continue to be ignored, which only worsens the impact on my creditworthiness and personal life.

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 2025-06-30 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-30 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-30 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: NV

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Subject : Inaccurate Credit Reporting and Failure to Validate Debt XXXX XXXX Account # XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complaint Type : Debt Collection / Credit Reporting Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Description of Problem : I am submitting this complaint regarding the above-referenced XXXX XXXX XXXX On XX/XX/XXXX, I entered into a vehicle financing agreement with XXXX XXXX. Due to financial hardship, I was unable to continue payments, and the account was charged off on XX/XX/XXXX, with a balance of {$37000.00}. 

In XX/XX/XXXX, XXXX XXXX assigned the debt to Blitt and Gaines , P.C . for collection. I filed for XXXX XXXX bankruptcy on XX/XX/XXXX ( XXXX XXXX : XXXX XXXX. XXXX XXXX, and this account was included in my bankruptcy filing. Despite this, XXXX XXXX continues to report the account as a charge-off with an active balance, failing to reflect the Included in Bankruptcy status and XXXX balance required by XXXX XXXX XXXX reporting standards and FCRA 1681s-2 ( b ). 

On XX/XX/XXXX, I submitted a written dispute to XXXX XXXX and filed a previous CFPB complaint. XXXX XXXX responded on XX/XX/XXXX, but refused to correct or delete the tradeline, and their response did not include full validation of the debt or proof of assignment. 

Additionally, I have submitted a new validation request ( enclosed ) but have not received the requested documentation. XXXX XXXX  continued reporting of inaccurate information violates my rights under the FDCPA and FCRA. 

Requested Resolution : I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to : Provide full validation of the debt, including proof of assignment and payment history. 
Correct the credit reporting to reflect Included in Bankruptcy with a XXXX balance or delete the tradeline entirely from all consumer reporting agencies. 
Cease any further inaccurate reporting and collection attempts on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately. 

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable. 

Not only is this hurting my credit profile, but its also a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and only associated with the correct consumer. This account fails both of those standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: FL

Complaint narrative:
There is a XXXX feature that I have had sense the beginning of me banking with the company chime and that started a new instant loan feature which I used. However they failed to mention or communicate that the instant loan feature can affect the XXXX feature. I was told the issue would be resolved and the XXXX  feature enabled because of the failure to communicate this but it never happened. They also lie and have regular customer service reps impersonating supervisors which I'm sure ensures my issues aren't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have guardianship of my XXXX, both personal and estate, Cause No. XXXX from XXXX XXXX XXXX XXXX Texas which was presented to Randolph Brooks Federal Credit Union XXXX XX/XX/year> and again on XX/XX/year>. They will not close my XXXX 's account because they are asking for me to pay a XXXX year old discharged debt I had there! It was discharged by the XXXX XXXX Bankruptcy XXXX over 10 years ago! It was my account not my XXXX 's! He's XXXX now, so he would've been a minor when my account was discharged! They are asking me to give them {$2000.00} and then they say they will close his account which has a balance of {$5000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  issued a 1099-C showing that the debt was canceled. Under IRS rules, a 1099-C signifies cancellation of debt income, which I am required to report as taxable income. Despite this, XXXX is still reporting the account as a charge-off to the credit bureaus. 

This is misleading and unfair. Once a debt is canceled ( as evidenced by the 1099-C ), the account should no longer be reported as a collectible charge-off. This results in double punishment both tax consequences and derogatory credit and misrepresents the actual legal status of the account. 

I have attached a copy of the 1099-C XXXX  filed with the IRS, showing the cancellation. I have attempted to resolve this through disputes and have received no meaningful response or correction. 

I am requesting that XXXX XXXX  immediately remove the charge-off tradeline and cease all negative credit reporting related to the canceled debt.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  issued a 1099-C showing that the debt was canceled. Under IRS rules, a 1099-C signifies cancellation of debt income, which I am required to report as taxable income. Despite this, XXXX is still reporting the account as a charge-off to the credit bureaus. 

This is misleading and unfair. Once a debt is canceled ( as evidenced by the 1099-C ), the account should no longer be reported as a collectible charge-off. This results in double punishment both tax consequences and derogatory credit and misrepresents the actual legal status of the account. 

I have attached a copy of the 1099-C XXXX  filed with the IRS, showing the cancellation. I have attempted to resolve this through disputes and have received no meaningful response or correction. 

I am requesting that XXXX XXXX  immediately remove the charge-off tradeline and cease all negative credit reporting related to the canceled debt.

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