vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-10-01 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: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX public record reported on my credit file ( filed XX/XX/2024, Ref # XXXX ). this information is inaccurate. 

I previously disputed this entry with the Transunion, Experian and Equifax. They claim to have verified it, but no supporting documentation, docket number, or copy of the alleged court record was provided. Simply stating verified without producing the actual underlying documentation does not meet the requirements of the Fair Credit Reporting Act ( FCRA ).

15 U.S.C. 1681i ( Section 611 ) : A consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification, including the name of the person or entity contacted to verify the information.

15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681k : For public record information used for credit, the CRA must either ( a ) notify the consumer immediately when such information is reported, or ( b ) maintain strict procedures to ensure the information is complete and up-to-date.

15 U.S.C. 1681s-2 : Furnishers of information have a duty to correct and delete inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: MT

Complaint narrative:
Every month since XX/XX/year>, I have paid {$44.00} premium to XXXX XXXX. To elevate my XXXX XXXX to a base of XXXX available credit through their portal. They are supposed to report to XXXX XXXX XXXX XXXX The only bureau picking this up is XXXX. I have repeatedly complained about this and brought it to their attention. Always getting the same response, wait XXXX days, and it will show. It has never shown on the other bureaus. My XXXX XXXX did not improve at all with this. I gave more than adequate time for results. 

Total payments : {$940.00} The company 's actions have been unsuccessful. No improvement has occurred in my XXXX XXXX, and no updates have been made to the outstanding bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am disputing an inaccurate XXXX late payment reported on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute and they responded that the furnisher had verified the late payment as accurate, but they did not provide me with any documentation or proof of accuracy. They also did not explain the method of verification, which is required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. 

Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : 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 XXXXate Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} 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 : {$75.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$730.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XX/XX/XXXX I sent request for proof of XXXX existence ( certified mail number XXXX ) and that they were in violation of the ePromissory Note/Security Agreement since I had a XXXX search showing no XXXX existed in my name certified by the Missouri XXXX XXXX XXXX. XXXX XXXX, they, sent me a diversionary response. I sent follow up demands for full accounting and equitable relief, affidavits, tender of payment, notices, and requests on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Certified Mail Numbers : XXXX, XXXX. Registered Mail : XXXX To date XXXX XXXX only responds saying the documents I provide do not release me from my obligation to them and I remain responsible for repayment. I have asked them to verify if an obligation under 18 USC subsection 8 or lawful money? and they still have lacked any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 formally disputing entries associated with accounts I did not create. Kindly perform a detailed review and remove them. Documentation accompanies this letter.

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 2025-10-01 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 reported item does not align with my financial record and seems to be erroneous. Kindly review it and update my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I got a fake bill in the mail. An argument from my families past is not my fault or responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: PR

Complaint narrative:
Honda Financial Services have presence within the XXXX continental states but not in XXXX XXXX despite the fact we are a XXXX territory ruled by the same financial laws as the rest of XXXX. They offer very attractive rates interests not available to the XXXX XXXX 's market. Leaving us undefensive to the local banks which have higher rates, generally above the 5 %. I think this is an unloyal practice put in the XXXX XXXX consumer in disantvantage. Furthermore, when I call to the local authorized dealership XXXX XXXX an associates XXXX XXXX the response was that why they will opt for a .99 % or 1.99 % finanance when they have " other cows who feeds them '' refering to local banks. He said it won't make any sense for a dealership doing that. I believe this is discriminatory and putting obstacles to access their financial products and mostly when they have authorized delearship doing business under their company XXXX. I asked if I can apply online but they said I wont be able to do so because I am in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SLM CORPORATION
State: AR

Complaint narrative:
A couple years back in XXXX I moved to XXXX  and XXXX with XXXX  and XXXX XXXX along with their dad XXXX XXXX XXXX During the time I lived in XXXX Texas they stole my things and kicked me out because I wasnt on the lease stealing my personal property and later filing a loan in my name using my accounts, name, XXXX, email, etc. they not only stole my things and filed a fraudulent loan they also stole over XXXX worth of animals and physical property. They use different messaging apps to send things about the things they stole. If there devices were seized you would find XXXX of XXXX  of XXXX  worth of identity fraud and scams of high dollar animals. They had used my email to add me as a co-signer and XXXX the student accepted the money. I didnt allow or give them my info. I will need to sue Sallie Mae shortly if this isnt fixed soon. they have retracted their report after I told them about the fraud and then put it back on months later. I have a new phone number and changed my email password so they cant steal any more information. When I called Sallie Mae they said they were figuring it out. I never once said I would co sign for this loan XXXX actually sounds similar to me so I assume he would answer the phone as me XXXX XXXX. If you call the complex at XXXX XXXX XXXX XXXX they will tell you about XXXX and that I didnt live there because of the lease but I personally spoke to the owner and said they stole my things so she should remember me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This record is inconsistent with my payment behavior and seems mistaken. I respectfully request its review and correction.

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 2025-10-01 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: GA

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been locked out of my Citi XXXX XXXX for over a month without an explanation as to why there is a block on my account, beyond the standard response that something changed in the back end at Citi ( no specifics provided ). I sent in the requested 4506C form and called to confirm it was properly completed. I received the confirmation that it was properly completed, however, 3 weeks later, I received a call telling me that it was not properly completed and that I need to send in a new form. I have been in contact with Citi for a month at this point trying to get this issue resolved, only to receive conflicting information from the various representatives. This raises serious concerns as I am paying for a card that I can not use. The conflicting information received, raises serious compliance concerns as the bank is providing false information to the client. Please review ALL of the notes on the account and listen to ALL of the recorded calls.

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 monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: KY

Complaint narrative:
Received an email from Volkswagen XXXX XXXX on XX/XX/XXXX @ XXXX XXXX EST stating I owed a balance of {$380.00} on a personal property tax bill that was billed to my account. 

I have NEVER received any correspondence on this amount owed until this email. 

Volkswagen Credit has reported the account PAID and CLOSED to the credit reporting agencies since XX/XX/XXXX. There are no derogatory remarks, amounts owed on the account, etc. 

When I called, they never told me they were attempting to collect a debt from me. They told me that they sent mailed notices to address on file. However, I have moved since then. They told me it was my responsibility to update them of my address, however the account was considered paid in full and closed according to the credit reporting agencies. 

I asked the agent why they never attempted to contact me via live contact like phone. She did not have an answer. She told me the tax bill came in XXXX of XXXX. Account paid in full and closed in XX/XX/XXXX. The vehicle was in an accident on XX/XX/XXXX and considered totaled. The agent told me their tax department paid this tax, but couldnt explain why they paid a tax on a closed account and asset they no longer owned or had any value do to it being totaled. 

I asked they send me a debt validation notice and a tax bill to my update address I gave them, I am just waiting on this info. 

I have concerns that this may be an unfair practice under UDAAP concerns. This causes a financial hardship for me, I could not have reasonably avoided this collection attempt after I was told I owed this debt almost 3 years after being paid off and the lender 's profit comes from exploiting my desperation, not from providing a fair and affordable product. 

I think this may violate some FDCPA regulations as well as they reported an account with a {$0.00} balance to the credit reporting agencies, but are trying to collect this balance almost 3 years later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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 sent a letter of dispute to remove the account from my consumer report and proof that these account were identity theft and not mine per the FCRA violation law. So far nothing has been done nor have I received any correpondence to the matter.

Company response to consumer: Closed with explanation