vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 Stares I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card Consumer credit plan and purpose unless 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 XXXX days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am submitting this dispute to address the inaccurate and incomplete information reported on my credit report. Below are the details of the accounts in question, which require correction as they do not reflect accurate information. Kindly investigate these discrepancies and correct the report accordingly. 

TransUnion ( XXXX ) XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-12-04 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: AZ

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am a consumer seeking to rectify inaccuracies on my credit report. Below are the accounts I am disputing, separated by the reporting bureau. 

Charged Off 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

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I entered into a merchant cash advance agreement with Giggle Finance after finding them through XXXX. I never signed a contract ; I only received a text and was told I would get a call, then the funds were deposited ( {$4300.00} after a {$340.00} origination fee was deducted from the {$4700.00} advance ). I was not able to review any contract until much later, when they finally sent me a copy. 
After receiving the funds, Giggle Finance began adding unexpected internal fees and a large default fee, increasing my balance from {$3700.00} to over {$4300.00}. My records show I should owe only about {$2400.00} based on payments made. Despite paying more than the original amount, they have not released the XXXX XXXX filed under my name as a sole proprietor. 
When I realized the charges were much higher than expected, I immediately tried to resolve the issue and offered to set up a payment plan, but my communications were ignored. I later hired an attorney, who sent a formal demand letter on XX/XX/year>, but Giggle Finance did not respond or resolve the matter. 
Their aggressive collection tactics disrupted my business and personal finances. They froze my payment processing accounts ( XXXX, XXXX XXXX, XXXX, XXXX ), which prevented me from processing customer transactions and affected my ability to earn additional income through XXXX. Bills paid through XXXX were shut off, and I had to set up new payment methods. They also attempted to run my debit card for a large amount without prior noticesomething they had never done before. The attempt was unsuccessful due to insufficient funds, and I had to cancel my card and update all my billers. 
These actions caused me to fall behind on bills, lose business opportunities, and spend significant time addressing these issues. Giggle Finance refused to honor payment plans, failed to provide a clear accounting, and has not released the lien despite substantial payments. Their representatives have been rude, hung up on me, and refused to help. 
I am seeking the immediate release of the XXXX XXXX, a full accounting and refund of any overpayments, and an investigation into Giggle Finances practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am disputing the following entries reported by Experian, which I believe to be inaccurate and should be corrected : 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 2025-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Company is Violating my consumer right to privacy pursuant to 15 usc 1681 B 2. company has also No permission to report anything using my info Pursuant to 15 usc 1681 4.

pursuant 18 usc 8, I Owe no debt.2456 Please remove the following accounts : 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 2025-12-04 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: CO

Complaint narrative:
We submitted payoff on the vehicle on XX/XX/year> they XXXX XXXX claimed to never receive the cashers check. We made an additional payment on XX/XX/year> to avoid going 30 days late. Ally did not post the payment until XX/XX/year> then immediately reported the account 30 days late. We tried to set up a wire transfer to pay the loan off. They refused to except a wire transfer. They also keep changing the payoff amount and adding more interest when the contract only allowed {$13.00} of interest per day to be added. They continue to report to the agency 's that the account is open and it's been paid off for over 2 months.

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 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
In XXXX, a medical debt of approximately {$500.00} was sent to a collection attorney. 
The debt was paid in full prior to any court action. 
Despite proof of payment, the attorney filed a lawsuit and obtained a default judgment. 
Service of the lawsuit was improper, as notice was delivered to a minor, so the judgment is legally void. 
Multiple motions were filed to quash garnishment and stay collection, but most were denied without a hearing. 
On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX at the Credit Bureau of Iowa, during a recorded call. She confirmed : The debt should not have gone to legal proceedings because it was under {$600.00}. 
The attorney failed to transmit proof of payment to the Credit Bureau.

The attorney violated HIPAA.

The Credit Bureau is opening an internal investigation into the attorneys handling of the account.

They do not want garnishment to proceed before their investigation is complete.

They are working directly with me outside the court system to resolve the matter.

The actions of the attorney and collection agency caused unnecessary legal action, stress, and attempted wage garnishment despite a paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
We submitted payoff on the vehicle on XX/XX/year> they ally finical claimed to never receive the cashers check. We made an additional payment on XX/XX/year> to avoid going 30 days late. Ally did not post the payment until XX/XX/year> then immediately reported the account 30 days late. We tried to set up a wire transfer to pay the loan off. They refused to except a wire transfer. They also keep changing the payoff amount and adding more interest when the contract only allowed {$13.00} of interest per day to be added. They continue to report to the agency 's that the account is open and it's been paid off for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in 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 non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am submitting this complaint because several items being reported by XXXX Equifax, and XXXX  appear inaccurate, incomplete, outdated, or unverifiable. I am requesting a full FCRA-compliant reinvestigation. The disputed items are listed below by bureau. 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXXXXXX Reported Date : XX/XX/XXXX Balance : {$0.00} Reason for dispute : The account is showing a {$0.00} balance but is still listed as derogatory. I request documentation supporting the current status. If it can not be properly verified, the account must be corrected or deleted. 

Hard Inquiries in Dispute XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reason for dispute : I do not recognize these inquiries and do not recall granting authorization. Please provide proof of permissible purpose. Any inquiry that can not be verified must be removed. 

Late Payments in Dispute ( IXXXX XXXXXXXX XXXX XXXX XXXX. ) Reason for dispute : The same concerns applypossible inaccurate dates, duplicates, and unverifiable negative marks. I request full verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report for accuracy and compliance. 

Charged-Off AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft, and Experian and Equifax have failed to block or remove fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted a formal 605B Identity Theft Information Block Request along with the required documentation, but the incorrect information remains on my credit file. This includes fraudulent addresses, an incorrect date of birth, unauthorized accounts, and hard inquiries that I did not authorize.

Incorrect Personal Information My credit report contains personal information that does not belong to me and was added as a result of identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at these locations nor been associated with these organizations. 

Fraudulent Accounts to Block The following accounts were opened without my knowledge or consent. These are identity-theft accounts and must be blocked under FCRA 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3800.00} * * I did not open or authorize any of these accounts. They were created through fraudulent activity tied to identity theft. 

Unauthorized Hard Inquiries The following inquiries were not authorized by me and must also be removed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The credit bureaus have not provided wet-ink signed authorization, which is required to verify these inquiries. 

Failure to Comply with FCRA 605B Under FCRA 605B, the credit bureau must block identity-theft information within 4 business days after receiving the consumers identity theft documentation. Despite submitting my materials, none of the fraudulent items have been removed. 

This continued reporting is harming my credit score, affecting my ability to secure housing, employment, transportation, and other financial opportunities. 

I am requesting CFPB assistance because the credit bureaus have not fulfilled their legal obligations under FCRA 605B.

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 2025-12-04 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: GA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments reported by Equifax. These accounts and items are incorrectly reported and must be corrected immediately. 

Charged-Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: SC

Complaint narrative:
My mortgage servicer allowed unauthorized individuals to enter my occupied home, resulting in a burglary and stolen firearms. 

In XX/XX/2025, the servicers property preservation vendor entered my home despite the home being occupied. I work long hours ( 72-hour weeks ), but I live at the property full-time, and all furniture, personal belongings, and utilities were active. The property was never abandoned. 

I later discovered that firearms and other property were missing. I filed police reports, and law enforcement attempted to contact the mortgage servicer. i have been informed that the servicer was uncooperative and unable or unwilling to help identify who accessed the home. 

I reported the incident to the servicer multiple times as far back as XXXX. They have never responded or provided any explanation, vendor logs, or documentation. I feel unsafe in my home and no longer have control over who has a key to my house. 

I am requesting : A full investigation into the unauthorized entry Vendor access logs showing who entered the property and when Copies of all property preservation orders related to my home Explanation of why the property was incorrectly classified as abandoned Review and removal of any property preservation charges that were improperly assessed A written response addressing the police reports and missing firearms This incident has caused significant emotional distress and made me feel unsafe in my own home. I am requesting immediate review and intervention.

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 2025-12-04 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: SC

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : No charged-off accounts are being disputed on my TransUnion report. 

Inquiries : I am disputing the following inquiries on my TransUnion credit report : No inquiries are being disputed on my TransUnion report. 

Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXXXXXX XXXX XXXX  - Account No. XXXX XXXX - Account 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