vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding GRANDVIEW FINANCIAL SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX  and XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. GRANDVIEW FINANCIAL SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

GRANDVIEW FINANCIAL SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-14 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: MI

Complaint narrative:
Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). 

Repeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. 

What happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. 

My information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.

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 2025-10-14 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: IN

Complaint narrative:
This correspondence serves as my XXXX round follow-up demanding the permanent removal of the following charged-off, collection, and unauthorized inquiry entries that continue to appear on my credit report. Despite multiple previous disputes, these inaccurate and unverified items remain, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The accounts being disputed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} * * This account is reported as Charged Off, yet no valid Form 1099-C ( Cancellation of Debt ) has ever been issued or verified for a balance above {$600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit bureaus are required to maintain the maximum possible accuracy of reported information. Reporting this debt without a valid 1099-C violates federal accuracy standards and constitutes unverified reporting. Therefore, I demand its permanent deletion from my credit file. 
XXXX, XXXX XXXX * Balance Owed : {$5900.00} XXXX XXXX This collection account remains unverified. Under FDCPA 809 [ 15 U.S.C. 1692g ], debt collectors must provide proof of debt validation upon request, and under FCPA 807 [ 15 U.S.C. 1692e ], they are prohibited from making false or misleading representations in any debt collection activity. Since no verification or validation has been provided, the reporting of this account violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which grants consumers the right to have unverifiable or inaccurate information blocked or removed. I am demanding permanent removal of this collection entry. 
Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge or authorization, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which clearly state that a consumer report may only be accessed with a permissible purpose and explicit consent from the consumer. These inquiries are therefore unauthorized and unlawful, and must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IN

Complaint narrative:
This correspondence serves as my XXXX round follow-up demanding the permanent removal of the following charged-off, collection, and unauthorized inquiry entries that continue to appear on my credit report. Despite multiple previous disputes, these inaccurate and unverified items remain, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The accounts being disputed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} * * This account is reported as Charged Off, yet no valid Form 1099-C ( Cancellation of Debt ) has ever been issued or verified for a balance above {$600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit bureaus are required to maintain the maximum possible accuracy of reported information. Reporting this debt without a valid 1099-C violates federal accuracy standards and constitutes unverified reporting. Therefore, I demand its permanent deletion from my credit file. 
XXXX, XXXX XXXX * Balance Owed : {$5900.00} XXXX XXXX This collection account remains unverified. Under FDCPA 809 [ 15 U.S.C. 1692g ], debt collectors must provide proof of debt validation upon request, and under FCPA 807 [ 15 U.S.C. 1692e ], they are prohibited from making false or misleading representations in any debt collection activity. Since no verification or validation has been provided, the reporting of this account violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which grants consumers the right to have unverifiable or inaccurate information blocked or removed. I am demanding permanent removal of this collection entry. 
Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge or authorization, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which clearly state that a consumer report may only be accessed with a permissible purpose and explicit consent from the consumer. These inquiries are therefore unauthorized and unlawful, and must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ].

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account has been fully satisfied, but late payments remain reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-14 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: CA

Complaint narrative:
My wife and I commenced a settlement arrangement with XXXX on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. Prior to agreeing to settlement we were making the monthly payments on time. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. This account was reported 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX and XX/XX/XXXX, then from XX/XX/XXXX - XX/XX/XXXX reported as charged off with a past due balance, yet never reported as settled. I have disputed this with TransUnion and Experian, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting XXXX directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the XXXX time we emailed our document to XXXX. XXXX finally sent the settled-in-full letter dated XX/XX/XXXX but Experian and XXXX  have still failed to investigate and correct our credit 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 2025-10-14 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: CA

Complaint narrative:
My wife and I commenced a settlement arrangement with XXXX on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. Prior to agreeing to settlement we were making the monthly payments on time. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. This account was reported 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX and XX/XX/XXXX, then from XX/XX/XXXX - XX/XX/XXXX reported as charged off with a past due balance, yet never reported as settled. I have disputed this with TransUnion and XXXX, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting XXXX directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the XXXX time we emailed our document to XXXX. XXXX finally sent the settled-in-full letter dated XX/XX/XXXX but XXXX  and TransUnion have still failed to investigate and correct our credit 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I submitted a written dispute to [ TXXXX XXXX XXXX ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate to investigate disputed information and correct inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$210.00} Under FCRA 609, I have the right to request full disclosure of the information in my file, including the sources of reported data. Section 611 further entitles me to dispute any inaccurate or incomplete information and mandates that TransUnion conduct a reasonable investigation within the time period allowed by law. Section 623 imposes obligations on data furnishers to ensure the accuracy of all information provided and to correct or remove any unverifiable or erroneous reporting once a dispute is submitted.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ) regarding XXXX ( XXXX ) unauthorized credit inquiries on my Equifax credit report. 

On XX/XX/year>, I mailed a written dispute demanding reinvestigation and deletion of these inquiries. Each company confirmed they have no application, personal information, or signed authorization on file for me and referred me to the credit bureau. 

It is now well past the XXXX reinvestigation period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and Equifax has failed to verify, remove, or provide results of any reinvestigation, violating 1681i ( a ) ( 6 ).

Because the inquiries were never authorized or verified, they must be deleted immediately under 1681i ( a ) ( 5 ) ( A ). Continuing to report them violates 604 and 1681b ( c ) ( no permissible purpose ) and 1681e ( b ) ( duty to ensure maximum possible accuracy ). 

XXXX failure to act also constitutes willful and negligent noncompliance under 1681n and 1681o, and violates FACTA 1681s-2 ( b ), which requires furnishers to report only accurate, verified information. 

These false inquiries have damaged my credit, lowered my score, and are blocking my ability to secure housing, directly impacting my ability to provide a safe roof for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
My vehicle was totaled ( thank XXXX ) and I learned I have paid almost $ XXXX toward this company where ZERO of it has went toward the loan. In fact, I was paying bi-monthly, on time, and it GREW. 

How is this a legal entity, how is this loan company even ALLOWED to do this to people? And then have the AUDACITY to add fees. 

This is so XXXX  and honestly you as a consumer protection and regulatory agency should be ashamed of yourselves. All of you. 

What a XXXX  place youre SUPPOSED to be protecting us from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have never missed to keep my loans on IDR and PSLF with updated information. I mysteriously was put on Forbearance I did not sign any information to be placed on forberrance or advised anyone to, I was told in so many ways I did not have a choice due to administration. I have consistently sent in my PSLF that has been processing for. months I resent a IDR that is currently just in process stage. I have called Studentaid.gov, have spoken to Mohela everyone is having you back and forth. I never ever have asked to be put on forbearance they have put me on forbearance to avoid my payments coconut because they know I more than qualify for forgiveness.

Company response to consumer: In progress
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: TX

Complaint narrative:
Lead Bank reports my secured credit card to XXXX and XXXX, but it does not appear on XXXX. Please ensure this account is reported accurately to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist & Debt Validation Request AccounXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am disputing the validity of the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I demand : 1. Debt Validation Provide documentation proving your legal right to collect, including original signed agreements and full account history.

2. Cease & Desist Cease all communications with me regarding this account under 15 U.S.C. 1692c ( c ).

3. Credit Reporting Compliance Until validation is provided, you must not report or furnish this account to any consumer reporting agency. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation