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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

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 status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I am submitting a complaint regarding incorrect negative reporting on my student loan account with Mohela. 

I was not notified that my loans were transferred to Mohela, which caused a payment issue. I disputed the transaction with my bank, the funds were returned, and my account was corrected and brought current. 

Even though the account is now current, Mohela has reported negative information to the credit bureaus. This reporting is inaccurate and does not reflect the true status of my account. 

I request that this negative reporting be corrected or removed and that my credit reports accurately show my account as current. 

Attached are documents showing my dispute, the bank reversal, and confirmation that my account is current. 

Thank you for your assistance.

Company response to consumer: In progress
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than 30 days ago. The information in question continues to be reported by EXPERIAN.

According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within XXXX business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement. 
The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX  - XXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than 60 days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this one continues to report it. 
This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability. 
For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA. 
Provide me with written confirmation of the removal of this information from my credit report.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
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: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I file a claim for unauthorized transactions that was done without my permission NetSpend close my account after denied my claim and never investigated my claim I waited for 10 days as they promised to provisional credit my account until they finished my dispute my account was never investigated by the company. After waiting NetSpend decisions to close my account after I filed an another dispute charges for ATM not receiving my money and the ATM company didn't respond to my email or anything so I have file a dispute with my bank NetSpend that's when NetSpend decisions to close my account for no reason. NetSpend sent me an email on the XXXX of XXXX to close my account they stated for activity this is all false information and advertising information that NetSpend is making to say that a person will have a provisional credit and denies their dispute on the day of the provisional credit is very unprofessional. I am an older man and I know better than that to tell lies about someone account and never investigated the account. I don't have money to go to waste especially XXXX, or even XXXX dollars to go to waste and NetSpend only cares about they self care. No communication with me or anything just denied my claim and close my account without no good reason. I need my money and it's only for NetSpend to do a real time investigation not just wait until the 10 days over to say that they investigate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Consumer Protection Division Date : XX/XX/XXXX Georgia Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint AgainsXXXX XXXX XXXX XXXX and Its Recovery Agent To Whom It May Concern, I am filing this complaint to formally document and request investigation into unlawful and harassing conduct by XXXX XXXX XXXX and its third-party repossession contractor. 

On XX/XX/XXXX, at approximately XXXX XXXX, a recovery agent contracted by XXXX XXXX XXXX came to the XXXX Apartment Complex, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the residence of my ex-wife, who is not a party to my vehicle loan. The agent banged on her door, flashed vehicle lights, and created a disturbance observed by neighbors and the property maintenance manager, XXXX XXXX XXXX. This conduct was disruptive, intimidating, and improper. 

Such behavior violates Georgia law and federal protections : O.C.G.A. 11-9-609 prohibits repossession through any breach of the peace. 
The Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ) prohibits harassment, oppression, or abuse by debt collectors or their agents.

Harassing and disturbing third parties with no connection to the loan is unlawful and unacceptable. 

I respectfully request that the Georgia XXXX XXXX XXXX investigate this matter and take appropriate action to ensure XXXX XXXX XXXX and its contractors comply with all applicable laws. 

Attached are details of the incident, including witnesses who can confirm the disturbance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Witness Statement Date : XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX, and I am employed as a maintenance manager at the XXXX Apartments, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX 

On the morning of XX/XX/XXXX, at approximately XXXX XXXX, as I was arriving for work, I observed a tow truck parked at the property. The driver was banging excessively on the door of XXXX  XXXX and flashing his vehicles lights, creating a disturbance that drew the attention of multiple neighbors. 

I personally witnessed other residents come outside due to the commotion. Concerned, I contacted the owner of the vehicle, XXXX XXXX XXXX, whom I know to be out of the country at this time, to inform him of the situation. 

I am willing to serve as a witness to this incident in connection with any complaint or investigation. I can be contacted directly at ( XXXX ) XXXX or through the XXXX XXXX  XXXX in XXXX, XXXX 

Sincerely, XXXX XXXX Maintenance XXXX XXXX XXXX  XXXXXXXX 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: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint and FCRA dispute regarding the reporting of an auto loan by Santander Consumer USA that currently appears as a chargeoff/derogatory on my consumer reports. The tradeline is harming my credit profile and I dispute the accuracy and legality of this reporting. 
Grounds : CFPB Consent Order No. XXXX : XXXX XXXX found that Santander violated the Consumer Financial Protection Act by failing to properly disclose the benefits and limitations of its XXXX GAP addon product and by failing to clearly disclose the interest accrual and impact of loan extensions, among other issues. These findings call into question the accuracy and reliability of data furnished by Santander for impacted consumers, including myself. 
FCRA Duties of Furnishers 15 U.S.C. 1681s2 : Santander must ensure the maximum possible accuracy of information reported. In light of the consent order and my dispute, continued reporting without proper validation violates the FCRA.

Reinvestigation 15 U.S.C. 1681i : Upon my dispute, the bureaus must conduct a reasonable reinvestigation and delete or correct information that can not be verified with competent evidence.

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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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:
There are fraudulent accounts on my credit report that I did not open or authorize. These accounts are the result of identity theft and are not mine. Despite disputing these accounts when I discovered the agencies and furnishers were reporting them they refuse to rectify this inaccurate reporting.

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: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit Reporting Agencies Failure to Comply with FCRA, UCC, and Intellectual Property Protections Complaint Summary : I submitted a Formal Notice of Dispute and Liability to all three major credit reporting agencies regarding the inaccurate and unauthorized reporting of accounts under my name. My notices included : Affidavit of Truth establishing my position as Secured Party Creditor and living woman. 

Notice of Dispute under the Fair Credit Reporting Act ( FCRA ). 

Notice of Liability citing violations under the FCRA, Uniform Commercial Code ( UCC ), and my intellectual property rights regarding unauthorized use of my legal name without consent. 

Court-certified documents including Dual Power of Attorney in Fact, Hold Harmless and Indemnity Agreement, and my recorded copyright/trademark affidavit regarding my name. 

These were properly served by certified mail with return receipts, creating a valid record of delivery. 

Despite being on formal notice, the credit reporting agencies have continued to publish, report, and disseminate disputed information on my consumer credit reports, in direct violation of their obligations under : FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Duty to accurately report and correct errors.

FCRA 607 ( 15 U.S.C. 1681e ) : Duty to maintain reasonable procedures to assure maximum possible accuracy.

By continuing to report disputed and unvalidated information after notice, the agencies are engaging in : Willful noncompliance with FCRA. 

Unauthorized use of my intellectual property ( name, copyright/trademark recorded with public authorities ). 

Commercial harm and reputational damage to me as the living woman and Secured Party Creditor. 

Relief Requested : I respectfully request the CFPB to : Investigate the failure of Equifax, Experian, and TransUnion to properly validate, correct, or remove disputed information. 

Compel deletion of all tradelines and information that remain disputed and unvalidated. 

Impose penalties for ongoing violations of federal consumer protection laws. 

Require written confirmation from each agency that my consumer reports have been corrected and that my intellectual property ( legal name ) will not be used without authorization. 

Supporting Documents Attached : Certified Mail Receipts and Tracking Copies of my Formal Notices of Dispute and Liability Affidavit of Truth Dual Power of Attorney in Fact & Hold Harmless Agreement Recorded Copyright/Trademark Affidavit of my name UCC filings and evidence of secured party status Respectfully submitted, : Nicole-Early : Secured Party Creditor Date : [ 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit Reporting Agencies Failure to Comply with FCRA, UCC, and Intellectual Property Protections Complaint Summary : I submitted a Formal Notice of Dispute and Liability to all three major credit reporting agencies regarding the inaccurate and unauthorized reporting of accounts under my name. My notices included : Affidavit of Truth establishing my position as Secured Party Creditor and living woman. 

Notice of Dispute under the Fair Credit Reporting Act ( FCRA ). 

Notice of Liability citing violations under the FCRA, Uniform Commercial Code ( UCC ), and my intellectual property rights regarding unauthorized use of my legal name without consent. 

Court-certified documents including Dual Power of Attorney in Fact, Hold Harmless and Indemnity Agreement, and my recorded copyright/trademark affidavit regarding my name. 

These were properly served by certified mail with return receipts, creating a valid record of delivery. 

Despite being on formal notice, the credit reporting agencies have continued to publish, report, and disseminate disputed information on my consumer credit reports, in direct violation of their obligations under : FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Duty to accurately report and correct errors.

FCRA 607 ( 15 U.S.C. 1681e ) : Duty to maintain reasonable procedures to assure maximum possible accuracy.

By continuing to report disputed and unvalidated information after notice, the agencies are engaging in : Willful noncompliance with FCRA. 

Unauthorized use of my intellectual property ( name, copyright/trademark recorded with public authorities ). 

Commercial harm and reputational damage to me as the living woman and Secured Party Creditor. 

Relief Requested : I respectfully request the CFPB to : Investigate the failure of Equifax, Experian, and TransUnion to properly validate, correct, or remove disputed information. 

Compel deletion of all tradelines and information that remain disputed and unvalidated. 

Impose penalties for ongoing violations of federal consumer protection laws. 

Require written confirmation from each agency that my consumer reports have been corrected and that my intellectual property ( legal name ) will not be used without authorization. 

Supporting Documents Attached : Certified Mail Receipts and Tracking Copies of my Formal Notices of Dispute and Liability Affidavit of Truth Dual Power of Attorney in Fact & Hold Harmless Agreement Recorded Copyright/Trademark Affidavit of my name UCC filings and evidence of secured party status Respectfully submitted, : Nicole-Early : Secured Party Creditor Date : [ 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I received a credit card with a {$300.00} limit from Capital One. I never applied for this card. I have never applied for any card or activity that might put me on a list of people who might want a card. I was homeschooled and did not apply for college. Somehow, Capital One sent me a card, not an application, but an actual card. I called them to cancel the card. They refused to even speak to me about it unless I gave them my personal data, date of birth, and social security number. I have no way of knowing for sure who I was speaking to, so I refused and gave them the card number and my name. They still refused.

Company response to consumer: Closed with non-monetary relief