vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: HI

Complaint narrative:
I am disputing the following accounts on my Equifax credit report due to incorrect reporting of charged-off statuses, which negatively impact my credit score. These accounts are inaccurate as reported : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$380.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : None listed under this category for TransUnion. 

Late Payments : XXXXXXXX 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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed one dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over XXXX hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MN

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are reported inaccurately and I am requesting a thorough investigation and correction : XXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX  - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX  - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$440.00} Additionally, I am disputing the following inquiries listed on my credit report : XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding late payments, the following items need to be reviewed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ADESA CORPORATION
State: TX

Complaint narrative:
I am the victim of a felony title fraud scheme. On XX/XX/XXXX, I purchased a XXXX XXXX from a private seller for {$13000.00}. The seller provided me with a Texas Certificate of Title that listed " 1ST LIENHOLDER : NONE. '' After purchasing the vehicle, it was repossessed by PAR North America, acting as an agent for XXXX XXXX. I then discovered that the sale was fraudulent. Apparently XXXX XXXX XXXX has a XXXX that was intentionally concealed from me. I filed a police report for theft by deception Police Report # : XXXX. 

Since the repossession, PAR North America has refused to cooperate. They will not provide me with : 1. Proof of XXXX XXXX XXXX  secured interest.

2. The location of the vehicle so I can retrieve my personal property.

A PAR North America representative explicitly told me that they were instructed not to give me any information, including the name of the lienholder. When I sent a formal demand email, they acknowledged receipt but stated it was " under review '' with no timeline, which is a common stalling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Make sure the laws deadlines for removing disputed accounts are met.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: IN

Complaint narrative:
I have received phone calls from Cawley Bergmann most recently on XXXX XXXX XXXXXX/XX/year> from different numbers I have since blocked. There has been no written form of communication sent to my address which has been permanent for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
Bureaus Investment Group Portfolio No. 15, LLC continues to report and update an alleged XXXX XXXX XXXX XXXX debt on my credit reports despite multiple disputes and requests for full validation under the FDCPA and FCRA. The company has failed to provide a signed agreement, chain of assignment, or itemized accounting. Reporting this unvalidated debt and failing to mark it as disputed violates 15 U.S.C. 1692g ( b ) and 1681s-2 ( a ) ( XXXX ). Their collection agent, XXXX XXXX XXXX, closed their involvement but confirmed the matter was returned to Bureaus Investment Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I took out a private student loan for approximately {$23000.00}. 
By the time repayment began after graduation, the balance had grown to around {$32000.00} due to interest accruing during school. 

Since XX/XX/year>, I have made consistent monthly payments of {$450.00} and have paid over {$21000.00} total toward this loan. Despite that, my current balance is still approximately {$27000.00}, and my interest rate is 12.875 % fixed. 

I have never missed a payment, but it appears that the majority of my payments are being applied to interest, with almost no reduction in principal. I have not been given a clear amortization schedule showing how my payments are applied, and I was never offered a way to make principal-only payments through the online system. 
I believe this loan structure and interest capitalization may constitute predatory or unfair servicing practices, and Im requesting a full review of my account, including interest calculations and payment application history.

My original loan disclosure shows an interest rate of 12.875 % with an estimated total repayment of {$65000.00} on a {$23000.00} loan, which demonstrates that the cost of borrowing was excessive and not sustainable. Despite making over {$21000.00} in payments, my balance has barely decreased, and I have been given no transparent explanation of payment allocation or options to reduce my interest rate.

My payment history ( attached ) shows that {$260.00} {$400.00} of each {$450.00} payment is being applied to interest, with only {$45.00} {$180.00} going toward principal. This pattern has continued for years and prevents me from making any meaningful progress toward paying off my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/year>, {$1000.00} Inquiries : None listed for Experian. 

Positive Accounts : None listed for Experian. 

Late Payments : None listed for Experian.

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 2025-11-04 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: AL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$650.00}

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 2025-11-04 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: CA

Complaint narrative:
Make certain disputed accounts are processed and removed in time under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have been trying to use my Amex gift card that was given to me as a gift from work, with a balance of XXXX USD, and I haven't been able to because I have to activate it. I have tried activating it through their website XXXX XXXX XXXX XXXX ), but when I put the card information and click continue, the website remains inactive. I have tried every possible solution, as turning off my adblocker, using a different browser, enabling cookies and accesing it from my phone. Nothing works. I have been trying since 2023. Nothing has changed. Still haven't been able to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 



Account XXXX : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : 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 2025-11-04 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Progressive Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my TransUnion credit report and noticed some things are incomplete and not accurate. According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are suppose to 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.

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 2025-11-04 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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