vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I am writing to formally dispute a fraudulent account that was previously removed from my credit report and has now been inappropriately reinserted without proper notice, in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

The account in question was removed after I submitted a FTC Identity Theft Report and a Police Report, which I have attached again for your reference. This reinstatement has occurred without : Proper written notification within 5 business days as required by law, and Evidence showing this account is valid and legitimately mine.

Action Requested : Permanently delete the fraudulent account from my credit file immediately.

Provide written confirmation that the item has been removed.

Do not reinsert this or any related account without full investigation and written notification.

Supporting Documents Attached : FTC Identity Theft Report Police Report Previous dispute confirmation Please consider this formal notice under FCRA and ensure my rights are fully honored. If this matter is not resolved within 15 days, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), state Attorney General, and pursue further legal remedies. 

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-06-17 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: NV

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, I want to dispute charges that XXXX Credit Card Company has been charging me from XX/XX/year> through XXXX XXXX all stated last year when my father died from a long battle with XXXX, He died and I had to take care of the final arrangements because his life Insurance didn't cover everything. That cause a problem for me, I was forced to pay for this funeral by monthly for 24 months. I talk with XXXX regarding this unexpected situation and that I could make my monthly payments on the first of each month, because I am a retired XXXX XXXX with a set income. 
I asked them if they would change my monthly payment from the XXXX of the month to the first of the month. But they refused to do so, Then they started to call me every month around the XXXX even on the weekend stated that they were calling to collect on a debt and why was I late with my payment. Each month I told them the same thing, Each time they stated that if I made a agreement to have the money come from my bank account then they would wavier the XXXX dollar late charge. I looked at my statements going back to one year and something looked very strange. So I called them and they told me that those extra charges were late charge fees, then I told them that each month when they would call me they would say every time that if I made the agreement to setup a auto for the first the late charge would wavier. Looking at my statements this bill should have been paid off months ago. Also they closed my account without telling me and I thought that was very wrong. P ; ease I need your help with this matter because I'm on a fixed income and I have a disability that prevents me from working. 
I'm XXXX XXXX XXXX and there are a lot of things I could do years ago, but now unable to do. 
Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: KS

Complaint narrative:
I checked my credit and see some inquiries and accounts thats settled on my credit report and also accounts that was opened without my authorization Below are the accounts that I have been trying to remove from my credit report for the past and yet still no one is taking it out and its hurting my credit badly which is making life hard for me to be approved XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer XXXX XXXX XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$48000.00} XXXX XXXX XXXX {$43000.00} XXXX {$210000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$850.00} XXXX {$21.00} XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$20.00}

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 2025-06-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I was a client with National Debt XXXX ( XXXX ). After a tense phone call with a representative on [ XX/XX/2025 ], I received a harassing phone call from a private number. The caller disguised their voice and mocked me, referencing personal information that I believe they had access to from my XXXX account. I recognized the voice and believe it was the same person I had just spoken with. 

I was upset during the first call and may have said something inappropriate. But I called back and apologized, expressing regret and concern because I knew the representative had access to my personal information. 

I now believe someone at XXXX misused my private information to intimidate me. I no longer feel safe communicating with this company and Im requesting an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc.
State: SC

Complaint narrative:
I received a pre-qualified auto refinance offer through my XXXX  credit profile in XX/XX/XXXX. The offer, from iLending, claimed I could refinance my current {$10000.00} auto loan at a 6.61 % APR with a $ XXXX payment, saving $ XXXX. It appeared directly in my XXXX  account and stated that applying would not affect my credit. 

After submitting the form, an iLending representative contacted me and immediately said I would need to provide {$5000.00} down and was not eligible for the terms shown, before reviewing my credit. They later explained that my vehicle ( a XXXX XXXX XXXX with over XXXX miles ) and the negative equity were the reason I didnt qualify. 

However, this information was already known to XXXX  and should have been factored into the offer. Displaying such a specific refinance quote, paired with my actual auto loan details, created the impression that I had already been screened and pre-qualified. 

I believe this is deceptive and predatory marketing, especially inside a trusted credit bureau interface. It misleads consumers into applying for offers they dont actually qualify for, wasting time and creating false hope for those trying to escape high-interest loans. I'm filing this complaint so it can be investigated and properly addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate and unverified information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. I am requesting the following immediate corrections : Delete all employer information and phone numbers from my credit report. I do not authorize the reporting or retention of outdated or unverifiable personal data. 

Investigate and DELETE the following accounts from my credit report if you can not provide full documentation verifying their accuracy and reporting compliance with XXXX XXXX  standards : 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than XXXX business days after such information I've provided. Accounts : 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 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 2025-06-17 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: WI

Complaint narrative:
A collection agency by the name of " XXXX  XXXX '' has reported information onto my credit report that I as a consumer is protected against by federal law The following debts must be removed as per federal law since each of them related to the consumer financial protection bureau ( CFPB ), Regulation vs. senate bill 5480. 

XXXX  XXXX has placed medical debt onto my credit reports under the disguise of debt being owed to a debt collection agency. The original creditors are XXXX XXXX, and XXXX XXXX XXXX. Im asking that the CFPB reach out to XXXX  XXXX, and demand XXXX  XXXX to remove any and all medical debt from my credit report, regardless rather XXXX  XXXX has the debt listed under their business name, any name, or under the name of the original creditor. 

Please inform XXXX  XXXX that legal action can, and will be taken against them. 

The amounts are as follows : {$1000.00} {$3300.00} {$2300.00} {$9600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: WI

Complaint narrative:
A collection agency by the name of " XXXX  XXXX '' has reported information onto my credit report that I as a consumer is protected against by federal law The following debts must be removed as per federal law since each of them related to the consumer financial protection bureau ( CFPB ), Regulation vs. senate bill 5480. 

XXXX  XXXX has placed medical debt onto my credit reports under the disguise of debt being owed to a debt collection agency. The original creditors are XXXX XXXX, and XXXX XXXX XXXX. XXXX asking that the CFPB reach out to XXXX  XXXX, and demand XXXX  XXXX to remove any and all medical debt from my credit report, regardless rather XXXX  XXXX has the debt listed under their business name, any name, or under the name of the original creditor. 

Please inform XXXX  XXXX that legal action can, and will be taken against them. 

The amounts are as follows : {$1000.00} {$3300.00} {$2300.00} {$9600.00}

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 2025-06-17 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: DISCOVER BANK
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, SECTION 602 States I have the right to privacy 15 USC. 1681, SECTION 604 A, SECTION 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NV

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : 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 : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: NY

Complaint narrative:
I got 2 deliquency on my credit report from Grid in XX/XX/XXXX to XX/XX/XXXX even though I paid the bill in full during XXXX and have the proof of payment. There was also issue with the mobile application when I was trying to pay the bill following months. I have proof of contact to address the issue and Grid has assured me that if I paid the balance before the XXXX, there won't be any deliquency reported. The account has been closed for months now since late XXXX and they are still reporting as open account and reported the deliquency. 

Their reasoning is that they can't fix the report due to their credit reporting partner filing for bankruptcy even though the deliquency is posted on my account recently at the end of XX/XX/XXXX. As a result, my credit score suffered and I would like to be fixed.

Company response to consumer: Closed with explanation