vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Respondent : XXXX XXXX XXXX XXXX XXXX 
Mailing Address : XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Sale/Contract Date : XX/XX/XXXX Dealer : XXXX of XXXX ( XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX # XXXX XXXX Customer # : XXXX Current Reported Balance : {$33000.00} I. Summary of the Complaint I purchased a XXXX XXXX XXXX ( VIN XXXX ) on XX/XX/XXXX, from XXXX of XXXX under a retail installment contract that was assigned to XXXX XXXX XXXX XXXX. 
Within XXXX weeks, I returned the vehicle to the dealer, who accepted possession. Despite this, XXXX continues to report a balance of {$33000.00} to the credit bureaus, as though the loan remains active. 
The dealer later resold the vehicle, yet XXXX has failed to provide a post-sale accounting, apply the sale proceeds to the loan, or correct my credit report. This has caused inaccurate and harmful reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX provisions. 
XXXX. Legal Violations and Grounds for Complaint XXXX. XX/XX/XXXX XXXX and XXXX * * XXXX failed to provide a proper accounting after the collateral ( vehicle ) was resold. 
XXXX. * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * Furnishing inaccurate information to consumer reporting agencies. 
XXXX. * * FCRA XXXX * * Failure to reinvestigate disputed information. 
XXXX. * * FCRA XXXX * * Continued reporting of inaccurate or outdated negative information. 
XXXX. * * Texas XXXX XXXX Practices XXXX ( XXXX ) * * Engaging in unfair or deceptive acts by misrepresenting the loan status and balance. 
XXXX. Prior Attempts to Resolve the Matter I have made multiple good-faith attempts to resolve this matter directly with XXXX and XXXXrough the credit bureaus : - Sent a XX/XX/XXXXXXXX demand letter * * to Santander ( certified mail ). - Filed * * disputes with Experian,XX/XX/XXXX and XX/XX/XXXX *, requesting correction or deletion of the tradeline. - Provided copies of the purchase contract, return documentation, and communication with the dealer. - No adequate response or correction has been received to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Respondent : XXXX XXXX XXXX XXXX XXXX 
Mailing Address : XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX Sale/Contract Date : XX/XX/XXXX Dealer : XXXX of XXXX ( XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX # XXXX XXXX Customer # : XXXX Current Reported Balance : {$33000.00} I. Summary of the Complaint I purchased a XXXX XXXX XXXX ( VIN XXXX ) on XX/XX/XXXX, from XXXX of XXXX under a retail installment contract that was assigned to XXXX XXXX XXXX XXXX. 
Within XXXX weeks, I returned the vehicle to the dealer, who accepted possession. Despite this, XXXX continues to report a balance of {$33000.00} to the credit bureaus, as though the loan remains active. 
The dealer later resold the vehicle, yet XXXX has failed to provide a post-sale accounting, apply the sale proceeds to the loan, or correct my credit report. This has caused inaccurate and harmful reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX provisions. 
XXXX. Legal Violations and Grounds for Complaint XXXX. XX/XX/XXXXXXXX and XXXX * * XXXX failed to provide a proper accounting after the collateral ( vehicle ) was resold. 
XXXX. * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * Furnishing inaccurate information to consumer reporting agencies. 
XXXX. * * FCRA XXXX * * Failure to reinvestigate disputed information. 
XXXX. * * FCRA XXXX * * Continued reporting of inaccurate or outdated negative information. 
XXXX. * * Texas Deceptive Trade Practices Act ( XXXX ) * * Engaging in unfair or deceptive acts by misrepresenting the loan status and balance. 
XXXX. Prior Attempts to Resolve the Matter I have made multiple good-faith attempts to resolve this matter directly with XXXX and through the credit bureaus : - Sent a XX/XX/XXXXXXXX demand letter * * to Santander ( certified mail ). - Filed * * disputes with XX/XX/XXXX, and TransUnion * *, requesting correction or deletion of the tradeline. - Provided copies of the purchase contract, return documentation, and communication with the dealer. - No adequate response or correction has been received to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Respondent : XXXX XXXX XXXX XXXX XXXX 
Mailing Address :XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Sale/Contract Date : XX/XX/XXXX Dealer : XXXX of XXXX ( XXXX XXXX XXXX XXXX ) Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX # XXXX XXXX Customer # : XXXX Current Reported Balance : {$33000.00} I. Summary of the Complaint I purchased a XXXX XXXX XXXX ( VIN XXXX ) on XX/XX/XXXX, from XXXX of XXXX under a retail installment contract that was assigned to XXXX XXXX XXXX XXXX. 
Within XXXX weeks, I returned the vehicle to the dealer, who accepted possession. Despite this, XXXX continues to report a balance of {$33000.00} to the credit bureaus, as though the loan remains active. 
The dealer later resold the vehicle, yet XXXX has failed to provide a post-sale accounting, apply the sale proceeds to the loan, or correct my credit report. This has caused inaccurate and harmful reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX provisions. 
XXXX. Legal Violations and Grounds for Complaint XXXX. *XX/XX/XXXXand XXXX * * XXXX failed to provide a proper accounting after the collateral ( vehicle ) was resold. 
XXXX. * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * Furnishing inaccurate information to consumer reporting agencies. 
XXXX. * * FCRA XXXX * * Failure to reinvestigate disputed information. 
XXXX. * * FCRA XXXX * * Continued reporting of inaccurate or outdated negative information. 
XXXX. * * Texas Deceptive Trade Practices Act ( XXXX ) * * Engaging in unfair or deceptive acts by misrepresenting the loan status and balance. 
XXXX. Prior Attempts to Resolve the Matter I have made multiple good-faith attempts to resolve this matter directly with XXXX and through the credit bureaus : - Sent a XX/XX/XXXXXXXX demand letter * * to Santander ( certified mail ). - Filed * * disputes withXX/XX/XXXX, Equifax, and XX/XX/XXXX requesting correction or deletion of the tradeline. - Provided copies of the purchase contract, return documentation, and communication with the dealer. - No adequate response or correction has been received to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate personal information on my Experian file under FCRA 609 & 611. My only correct and current address is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Please delete all inaccurate addresses, including but not limited to : 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 Additionally, remove all employer listings from my file as they are inaccurate or unverifiable. Retain only my correct address above.

Per the FCRA, any unverifiable or incorrect information must be deleted within the required time frame. Please provide a corrected credit report reflecting these deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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 2025-10-13 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:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( 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 2025-10-13 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: January Technologies, Inc
State: CA

Complaint narrative:
Continuing collection without providing full validation ( no Chain of Custody ) and providing documentation that contains gross accounting errors ( static balance ), violating the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
XXXX  Data Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER INACCURATE ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION The presence of the inaccuracy due to XXXX  TransUnion and XXXX XXXX Data Breaches , I will be seeking legal action if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon.

I further assert that your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy.

1. I am the lawful owner of the Social Security Number referenced above and have been since its issuance.

2. My personal identifying information, including my Social Security Number, name, date of birth, and other sensitive data, was compromised in the XXXX data breach and TransUnion data breach. 
3. I have documentary evidence proving that my Social Security Number was directly impacted by these data breaches.

4. I did NOT authorize, apply for, open, or otherwise consent to the following accounts, inquiries, or credit activities appearing on my credit reports : a ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2000.00} Opened XX/XX/XXXX b XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$520.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$960.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$100.00} : Allegedly Opened : XX/XX/XXXX 5. I did NOT receive any money, goods, services, or benefits from the fraudulent accounts listed above.

6. I did NOT give permission to any person or entity to use my personal information to obtain credit, goods, or services.

7. The signatures appearing on any applications for the disputed accounts are NOT my signatures, and I did NOT authorize anyone to sign on my behalf.

8. I did NOT provide valid government-issued identification to open any of the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Couch Lambert LLC
State: TX

Complaint narrative:
Two years ago I borrowed money from XXXX to pay off some bills. I was not able to pay them do to unforeseen circumstances. on XX/XX/XXXX I decided to join a debt resolution company and combine my debt. XXXX decided to charge off the account before working out an agreement with the debt resolution company. They apparently turned the debt over to Couch Lambert LLC location in Louisiana XXXX. The Law Office reached out to XXXX XXXX XXXX XX/XX/XXXX /with an offer for {$7000.00} dollars. 
I contacted XXXX XXXX being ok with paying them back {$7000.00} dollars in installments. However, XXXX XXXX stated the law office is demanding the payments in full. Therefore, I had to turn down the offer because I do not have {$7000.00} dollars. If I had that kind of money, I would not need the debt resolution company. I have no problem with paying the offer. I just want to make them in installments. XXXX XXXX basically telling me that the law office is going to sue me and garnish my check if I don't pay all up front. That is harassment when I had intentions on paying XXXX. However, they decided to charge off the debt on my credit. I have not received a 1099-C from XXXX since they wrote the debt off. It's a XXXX balance on my credit from XXXX. However, they have a lawyer still trying to collect. I believe they sold it to another agency and that agency hired the lawyer. Either way, I was trying to resolve the debt with XXXX  and now I'm being harassed into paying a lump sum I do not have. I will do installments for the offer given today XX/XX/XXXX via phone. On the other hand, I was told by XXXX  XXXX  that I was going to have to decline the offer since I am not able to come up with {$8000.00} dollars on XX/XX/XXXX. All I know is I paid off one of my loans with installments for almost 2 years with XXXX XXXX and XXXX would have been paid as well. However, my debt is now with a lawyer Company that is using threating tactics and not trying to be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed by another individual in the amount of {$300.00} dollars. They claimed to have been hit in an accident by myself. I filed a police report and when was doing their investigation the banker forgot to mention to them that I filed a police report and the fraud department did not ask for the report. Chase concluded that the transaction was valid and not fraudulent. 

I spoke with the XXXX XXXX XXXX and they informed me what happen was a scam. They informed me to go to the XXXX XXXX XXXX because what happen was fraudulent. The XXXXXXXX XXXX XXXX  agreed with me and had me file a police report. When I spoke with chase they informed me they would do an investigation. Chase concluded that it was not fraud and they did not take action to get the money back from XXXX. I spent a very long time at the police department to get this matter resolved. Then spent a very long time at the branch. I would not be able to file a police report if the matter was not fraudulent.

Company response to consumer: Closed with explanation