vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your Account Number XXXX Account Name XXXX XXXX XXXX XXXX 

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXXXXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your Account Number XXXX Account Name XXXX XXXX XXXX XXXX 

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXXXXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-08-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX  -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX XXXX  Michigan | United States Bankruptcy ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-25 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: PA

Complaint narrative:
I am formally dispute and request the removal of inaccurate and incomplete credit information from my credit profile. It has come to my attention that the information listed below is inaccurate, and I am deeply concerned about the lack of accuracy and diligence in your operations to ensure the accuracy of the credit reports you publish. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), it is mandated by federal law that credit bureaus verify the accuracy of any and all accounts they report by physically verifying the original signed consumer contract. Failure to adhere to this requirement leaves room for the inclusion of fraudulent accounts, which could have serious repercussions for individuals such as myself. I hereby demand to see verifiable proof, in the form of an original consumer contract bearing my signature, for the accounts detailed below. Without such evidence, it is imperative that the account be promptly removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We sent wells Fargo over XXXX on XX/XX/XXXX towards the reg regular mortgage of XXXX and anything towards the past due balance. We received all of it back my church had a check for them for XXXX which they got back and I got my XXXX back. They did not take any of it towards the regular monthly mortgage and instead now has a lawyer after us to start foreclosure processing when we have been trying to pay this, but they are refusing to work with us I have given them my lawyers name and number, and they will not reach out to him either. I am filing for XXXX, and this is now going against the law by law. They shouldve taken what there was towards the monthly payment. But instead gave us back everything and pretty much said XXXX you we want {$300000.00} again I am filing for XXXX  what they have done is illegal. I got no notification until today that theyre starting the process, but they didnt even take my {$7000.00}. They dont give a XXXX. 
Instead, they write back with the most ridiculous excuses that every lawyer has read and said that its a complete lie and that theyre being illegal. 
What you write to me is a bunch of XXXX do your job take my money and put it into my mortgage. Its not simple any other place that I have money that Im borrowing takes my money and put it towards what my balance is but you people dont.

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 2025-08-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-26 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my Equifax credit report regarding my XXXX XXXX XXXX account ( auto loan, last payment : XX/XX/year>XXXX  ). My records, supported by statements from the lender and corroborated by XXXX  reporting, indicate that this account has only one late payment. However, Equifax is reporting two late payments, which is factually incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information in my credit file. Equifax is required to conduct a reasonable reinvestigation and correct or delete information that can not be verified as accurate within 30 days.

I am requesting that Equifax : 1. Investigate this discrepancy with XXXX XXXX XXXX. 
2. Correct my credit report to reflect only the accurate number of late payments.

3. Provide me with written confirmation of the correction or a detailed explanation if the information is verified as accurate. 

Attached, I have included : Statements from XXXX XXXX XXXX showing the actual payments made. 
Supporting documentation from XXXX  showing only one late payment. 
This inaccurate reporting has a material impact on my creditworthiness and my ability to secure credit under fair terms. I request this matter be resolved promptly in accordance with my rights under the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To whom it may concern, I received an end of term bill from Genesis Finance ( also XXXX XXXX ), on which there is a break down of charges, featuring my final lease payment, standard {$400.00} turn in fee, and final taxes/fees. I was charged a total of {$990.00}, my lease payment with taxes and all fees rolled in is {$560.00}, my turn in fee is {$400.00} as per lease agreement of which i have a copy of. Upon attempting to inquire as to the difference of {$25.00} which i was charged I was told that this was the tax on the {$400.00} turn in fee. 
In XXXX, sales tax is generally not charged on a lease turn-in fee, also known as a disposition fee. The statement invoice lists the fee as a separate and non-taxed item, furthermore, the lease agreement structure states that the fee is not a taxable item. Upon review of XXXX  XXXX XXXX XXXX, specifically XXXX, subsections ( XXXX ) ( a ), XXXX, XXXX the fee and how it is stated on both the lease agreement and the final statement is not subject to tax. I attempted to bring this to the attention of the XXXXXXXX XXXX XXXX at Genesis Finance, to the customer service supervisor, and attempted to speak to a XXXX - and was ignored. I was told the company is within the law and that I must pay the tax like everyone else, without any consideration to contract verbiage or above points. I suspect there are many consumers being subjected to this false tax on a junk fee and subsequently request that Genesis Finance and XXXX XXXX be investigated and sanctioned accordingly.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital XXXX am writing to formally demand that you cease and desist from all communication with me regarding the alleged debt associated with the above-referenced accountXXXX the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692c(c), once a consumer notifies a debt collector in writing to cease further communication, the collector must stop all attempts to contact the consumer except to inform them of one of the followingXXXX XXXX efforts to collect the debt are being terminatedXXXX the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector or creditorXXXX the debt collector intends to invoke a specified remedyXXXX hereby assert my rights under this federal law and demand that you immediately stop all forms of communication with me regarding this alleged debt, including but not limited XXXX XXXX XXXX XXXX XXXX I do not acknowledge or validate this alleged debt and request that you provide full validation of the debt under 15 U.S.C.  1692g(b), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of the original signed contract or XXXX detailed breakdown of the amount allegedly XXXX that you have the legal right to collect this XXXX you fail to comply with this request, or if you continue to contact me after receipt of this letter in violation of the FDCPA, I will consider taking legal action and filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals XXXX letter has been sent via certified mail to ensure proper documentation. Keep this letter on file and govern yourself XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: ID

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that can not be verified as fully accurate. These errors continue to weigh heavily on me, causing significant negative impacts during an already difficult time. Having these inaccuracies corrected or removed would be of great help and much-needed relief.

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 2025-08-26 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-26 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief