vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: Harley Davidson Financial Services Inc
State: OK

Complaint narrative:
Subject : Improper Reporting of Charged-Off Debt / Failure to Accurately Report Status This account is being reported inaccurately and without compliance with FCRA reporting guidelines. There is no current debt being collected, yet the account remains derogatory, violating 15 U.S.C. 1681s-2 ( a ).

Additionally, I was never given proper notice of charge-off or subsequent resale or reassignment of debt. The reporting of a charged-off debt without continuous ownership or collection efforts, while refusing to update status, is misleading and materially harmful.

I am requesting this account be removed from my credit profile under the legal grounds of unverified, inaccurate, or outdated data. Continued misreporting may result in legal action under FCRA 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
never gave affirm written permission to report this account to the credit bureau. This is a clear violation of the consumer protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-16 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC and a police report ( copies enclosed ). Despite this, this account remains on my credit file, severely damaging my credit and causing denials and judgments from lenders.

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to act swiftly and decisively in this matter. Your failure to do so constitutes willful and reckless violations of the following sections : Section 605B ( 15 U.S.C. 1681c-2 ) : Requires that credit reporting agencies block fraudulent information within 4 business days after receiving proper identity theft documentation, permanently removing such information from my credit file. Your continued reporting of this fraudulent account violates this provision and damages my rights and creditworthiness.

Section 611 ( 15 U.S.C. 1681i ) : Mandates that you conduct a reasonable reinvestigation of disputed information within 30 days, and correct or delete any information found to be inaccurate or unverifiable. This fraudulent account has not been verified as mine and must be deleted immediately.

Section 623 ( 15 U.S.C. 1681s-2 ) : Imposes duties on furnishers of information to investigate and correct inaccurate information upon notice of dispute or identity theft. The creditor reporting this fraudulent loan is in violation for continuing to report false information.

Section 607 ( 15 U.S.C. 1681e ) : Requires maximum possible accuracy of information reported by furnishers and maintained by credit reporting agencies. This fraudulent account is patently inaccurate.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain a copy of all information in my credit file and demand removal of inaccurate, fraudulent, or outdated information.

Your continued failure to comply with these federal laws harms me financially and emotionally and will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential lawsuits for statutory damages, actual damages, attorney fees, and punitive damages under the FCRA.

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 2025-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC and a police report ( copies enclosed ). Despite this, this account remains on my credit file, severely damaging my credit and causing denials and judgments from lenders.

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to act swiftly and decisively in this matter. Your failure to do so constitutes willful and reckless violations of the following sections : Section 605B ( 15 U.S.C. 1681c-2 ) : Requires that credit reporting agencies block fraudulent information within 4 business days after receiving proper identity theft documentation, permanently removing such information from my credit file. Your continued reporting of this fraudulent account violates this provision and damages my rights and creditworthiness. 


Section 611 ( 15 U.S.C. 1681i ) : Mandates that you conduct a reasonable reinvestigation of disputed information within 30 days, and correct or delete any information found to be inaccurate or unverifiable. This fraudulent account has not been verified as mine and must be deleted immediately.

Section 623 ( 15 U.S.C. 1681s-2 ) : Imposes duties on furnishers of information to investigate and correct inaccurate information upon notice of dispute or identity theft. The creditor reporting this fraudulent loan is in violation for continuing to report false information.

Section 607 ( 15 U.S.C. 1681e ) : Requires maximum possible accuracy of information reported by furnishers and maintained by credit reporting agencies. This fraudulent account is patently inaccurate.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain a copy of all information in my credit file and demand removal of inaccurate, fraudulent, or outdated information.

Your continued failure to comply with these federal laws harms me financially and emotionally and will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential lawsuits for statutory damages, actual damages, attorney fees, and punitive damages under the FCRA.

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 2025-06-16 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: CA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries Under FCRA 604 and 611 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my TransUnion credit report. According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be listed when they are made with the consumer XXXX XXXX XXXX XXXX XXXX  knowledge and express permission under permissible purpose ( 604 ). I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were neither initiated nor approved by me. I am requesting that TransUnion immediately investigate and remove these inquiries from my credit report in accordance with FCRA 611.

Please confirm in writing the outcome of your reinvestigation within the 30- day timeframe as required by federal law. I have included a copy of my credit report highlighting the disputed inquiries, as well as proof of identity and address. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-16 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: DISCOVER BANK
State: SC

Complaint narrative:
This CFPB complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX  to block fraudulent information from my credit report within 4 business days. The false items include a Discover credit card charged off for {$1700.00}, a XXXX XXXX loan charged off for {$1000.00}, a {$10000.00} collection with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I did not open or authorize any of these accountsthey are the result of identity theft and fraud. Ive attached FTC Identity Theft Report Number XXXX as proof. Please block these accounts and cease all related collection activity as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-16 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: IL

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 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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank clised my XXXX XXXX credit card without my permission, causing my XXXX XXXX to go down. When I tried to use the card on XX/XX/2025, it was declined because Citizens Bank had closed the account. 

When I called the automated service, on XX/XX/2025, it said my card was active ; no charges went through ; I had a {$1000.00} credit line; and I didn't owe a balance. 

When I spoke with a representative, I was told that my account was closed because I had not previously used the card. 

I responded that there was not a deadline on when I could use the card, and I didn't authorize the account to be closed. I added that closing the account also lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
b'For the record I have filed complaints with ncua, ftc, help with my bank, occ, now you. I wired Santander XXXX  bank wire for XXXX XXXX XXXX. Santander requested from me XXXX XXXX receipts multi docs from XXXX XXXX XXXX XXXX, letter from cu manager, ect. Sent request return wire of XXXX. Never returned XXXX XXXX. Last remarks from Santander XXXX  bank was account holder closed checking account.\nI wired Santander XXXX  bank XXXX to help my friend. Wire was from XXXX XXXX XXXX XXXX. Sent XXXX from cu manager. Last remarks from Santander XXXX  bank. Never returned wire XXXX XXXX. Account holder closed checking account. \nWhere is the money? ???\nAll item are documented via my email, scan, drag and drop impossible. No computer now.\nI should not be penalized because all proof/ documents are in email.\nRequest exception to send email copies???'

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and Im not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and Im not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

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 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Im reaching out regarding a concerning change in my monthly payments. For several years, my debits were consistent. However, recently my payments have increased by nearly {$50.00} per month without any clear explanation or change in my financial situation.

This sudden fluctuation seems suspicious, especially considering similar reports Ive come across suggesting this may be a recurring issue for other borrowers. I would appreciate a clear breakdown of the changes to my account, including any factors that may have contributed to the recent increases. 

Please review my account and provide clarification at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
My affirm account was put close by affirm they says I'm not responsible for the outstanding loans but it still got reported to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I am submitting this complaint as a continuation of unresolved issues previously documented. Equifax continues to report a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that I have formally disputed. Despite multiple written requests for verification, Equifax failed to provide the original source or documentation used to validate the bankruptcy. 

To clarify, I obtained XXXX official letters from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Both letters clearly state that the court does not verify or furnish any consumer data to credit bureaus or third parties. In addition, I submitted a signed form from the County Clerk verifying that the court does not furnish or verify bankruptcy information in any form.

Equifax 's response falsely claimed the bankruptcy was verified with the original source. However, because the bankruptcy court is the sole source of the recordand it does not communicate with credit bureausthis information is legally unverifiable. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 616, and 617.

Equifaxs continued reporting of this bankruptcy, despite clear evidence that it can not be verified through the original furnisher, is not only misleading but also causing ongoing harm to my creditworthiness and financial opportunities.

I am requesting that this matter be escalated and that the unverifiable bankruptcy entry be removed immediately in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$16000.00}

Company response to consumer: Closed with non-monetary relief