vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Despite my recent CFPB complaint ID # XXXX and FTC Identity XXXX Report # XXXX ... ] ) and submission of my FTC Identity Theft Report ( # XXXX ), [ TransUnion/Equifax/Experian ] and XXXX XXXX have failed to properly XXXX XXXX correct the unauthorized/false information on my credit report as required by law. 

Instead of fully deleting or blocking the derogatory marks as required under FCRA 1681i and 1681s-2 ( b ), they have manipulated my payment history and tradeline data : Current months were changed to Unknown ( which still lowers my score and is inaccurate ). 

XXXX late payments were shifted to XXXX late, not removed. 

My XXXX XXXX dropped even further after this manipulation ( see attached screenshots ). 

This is NOT a legitimate resolution under FCRA. The bureaus/furnishers have not conducted a good-faith, manual reinvestigation or properly deleted the inaccurate/unauthorized marks. These changes are cosmetic and intended to avoid liability, not to correct my file. 

I am now providing direct evidence : Screenshots showing before/after payment history changes and score drops immediately following my formal complaint. 

All previously uploaded PDF reports and FTC ID Theft documentation. 

Complaint IDs for all bureaus to show repeated violations and lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
Despite my recent CFPB complaint ID # XXXX and FTC Identity XXXX Report # XXXX ... ] ) and submission of my FTC Identity Theft Report ( # XXXX ), [ TransUnion/Equifax/Experian ] and XXXX XXXX have failed to properly XXXX XXXX correct the unauthorized/false information on my credit report as required by law. 

Instead of fully deleting or blocking the derogatory marks as required under FCRA 1681i and 1681s-2 ( b ), they have manipulated my payment history and tradeline data : Current months were changed to Unknown ( which still lowers my score and is inaccurate ). 

XXXX late payments were shifted to XXXX late, not removed. 

My XXXX XXXX dropped even further after this manipulation ( see attached screenshots ). 

This is NOT a legitimate resolution under FCRA. The bureaus/furnishers have not conducted a good-faith, manual reinvestigation or properly deleted the inaccurate/unauthorized marks. These changes are cosmetic and intended to avoid liability, not to correct my file. 

I am now providing direct evidence : Screenshots showing before/after payment history changes and score drops immediately following my formal complaint. 

All previously uploaded PDF reports and FTC ID Theft documentation. 

Complaint IDs for all bureaus to show repeated violations and lack of resolution.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
I would like to formally dispute the accuracy and legality of the information being reported on my credit report regarding my student loan account ( s ). Specifically, this pertains to recent discrepancies, reporting errors, and potential legal violations associated with the management of my loans.

Upon review of my credit report, I noticed that my student loans were closed and reopened under different collection agencies without proper notification, and they have been reported with multiple late payments and derogatory statuses that are inconsistent with my actual payment history and circumstances. Furthermore, this account is still negatively impacting my credit score despite numerous disputes and inquiries.

It has come to my attention that there have been recent federal violations and irregularities involving the handling of student loan dataincluding third-party mismanagement and privacy breaches. XXXX XXXX recent involvement and violations with private data, including those tied to financial and government platforms, are deeply concerning and XXXX be linked to the errors seen on my student loan accounts. 

Additionally, my account was affected by the XXXX emergency period, during which payments and interest should have been paused under the CARES Act. Despite this protection, the loan servicers continued to report missed or late payments and proceeded with unlawful collections activity. This is in direct violation of federal guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This is a formal complaint and consumer credit dispute involving OneMain Financial and XXXX, concerning the suppression of my credit history, repeated deceptive solicitation tactics, and the triggering of damaging credit inquiries based on internally distorted credit profiles. 

XXXX repeatedly promoted OneMain Financial loan offers to me through its platform and affiliated channels. I applied for those loans in good faith, based on XXXX representation that I was a qualified candidate. OneMain then pulled my credit and denied the applications despite my strong internal history with OneMain, including at least XXXX paid-off loan of over {$15000.00}, which they failed to report to the credit bureaus. 

Both XXXX and XXXX played a role in : Initiating credit inquiries based on incomplete or suppressed data Promoting offers that led to denials and credit harm Failing to ensure proper internal and external credit review protocols Withholding accurate tradeline history which would improve my score, affect loan decisioning, and change interest rate offers This situation has caused measurable injury, including : Increased number of hard inquiries Lowered credit a score due to false data scarcity Loan denials from the same lender XXXX promoted Higher interest rates across my credit profile Legal Violations iClaimed : FCRA 623 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 7 ) OneMain FCRA 607 ( e ), 604, and deceptive trade violations XXXX FTC Act 5 ( 15 U.S. Code 45 ) False or misleading loan offer promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
On XX/XX/year>, XX/XX/year> and XX/XX/year> i requested for Jefferson Capitol Llc to provide me with the following info pertaining to XXXX accounts for XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

XXXX and Address of Alleged Creditor : -Name on File of Alleged Debtor : -Alleged Account # : -Address on File for Alleged Debtor : -Amount of alleged debt : -Date that this alleged debt became payable : -Date of original charge off or delinquency : -Was this debt assigned to debt collector or purchased? 
XXXX paid if debt was purchased : -Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

This info has still not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
Account Opened Fraudulently 1. XXXX XXXX XXXX opened on XXXX 2. XXXX XXXX  opened on XXXX Hard Inquiries Inquired fraudulently 1. XXXX Bank inquiry date XXXX 2. XXXX  inquiry date XXXX 3. XXXX XXXX Bank inquiry date 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 2025-07-20 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a formal identity theft dispute submitted by XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S. Code 1681c-2 ( Section 605B ). This is not a frivolous or duplicative dispute. I am submitting new documentary evidence from my XXXX Full File XXXX dated XX/XX/year>, which confirms that the following account is not reported in their system, reinforcing that the tradeline in question is fraudulent and unauthorized. 

I have submitted all legally required documentation, including : FTC Identity Theft Report ( Ref. No. XXXX ) Government-issued photo ID Proof of current address A written statement specifically identifying the fraudulent account The disputed tradeline is : XXXX XXXX Services Account No. XXXX XXXX : {$4600.00} XXXX never opened, authorized, or benefited from this account. It is the direct result of identity theft, and no permissible purpose exists under FCRA 1681b ( a ) ( 2 ) for this information to appear on my TransUnion consumer report. TransUnion has a legal obligation to block this tradeline within XXXX ( XXXX ) business days of receiving my identity theft documentation, as required by FCRA 1681c-2 ( c ). 

Failure to act in accordance with this statute may result in enforcement actions under : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging through ongoing derogatory updates FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable or misleading data 26 U.S. Code 6050P No IRS Form 1099-C issued for canceled debt exceeding {$600.00} I am also requesting assurance under FCRA 1681c-2 ( d ) that this account will not be reinserted into my credit file without full legal documentation and prior notice.

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 2025-07-19 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:
This is a formal dispute filed pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 ( Section 605B ). This submission is not a frivolous or duplicative dispute, but rather is based on new documentary evidence showing that a fraudulent tradeline is being unlawfully reported on my Equifax consumer file. I am the victim of identity theft, and the account below must be immediately blocked and permanently deleted. 

The account in question is : XXXX XXXX XXXX Account XXXX. XXXX XXXX : {$4600.00} I did not apply for, open, or authorize this account. It does not belong to me, and no permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify its continued reporting on my credit file. To support this dispute, I have provided all required documentation as outlined under FCRA 1681c-2 ( a ), including : A valid FTC Identity Theft Report ( Ref. No. XXXX ) A copy of my government-issued photo ID Proof of my current address A written statement clearly identifying the XXXX XXXX XXXX account as fraudulent Additionally, I am submitting new third-party evidence in the form of my XXXX Full File Disclosure dated XX/XX/year>, which confirms that this tradeline is not reported in their system. The absence of this account in XXXXiswidely used for data validation by creditorsfurther substantiates that it is not legitimately tied to me or my verified identity. 

Despite the clear and complete documentation previously submitted, Equifax has failed to block and delete this account. This is a direct violation of the following : FCRA 1681c-2 ( c ) Failure to block identity theft accounts within four ( 4 ) business days FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging through continued derogatory updates FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable or inaccurate data XXXX XXXX Code XXXX Failure to issue XXXX for a charged-off amount over {$600.00} The XXXX XXXX XXXX tradeline continues to harm my credit standing, financial well-being, and reputation. Its continued reporting constitutes bad faith and willful noncompliance with clearly established federal law. 

Fair Resolution Requested : I am formally demanding that Equifax : Immediately block and permanently delete the XXXX XXXX XXXX tradeline from my credit report ; Provide written confirmation of deletion within the statutory XXXXbusiness-day window as mandated under FCRA 1681c-2 ( c ) ; Confirm that this account will not be reinserted unless Equifax complies fully with FCRA 1681c-2 ( d ) and provides proper notice and documentation. 

If Equifax fails to meet its legal obligations, I will escalate this matter to the CFPB, FTC, and IRS XXXX XXXX XXXX and pursue all remedies under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the XXXX major credit reporting agencies : Experian, TransUnion, and Equifax. 

XXXX XXXX XXXX is reporting a delinquent account allegedly opened on XX/XX/year>. This information is completely false and appears to be illegally reported, as I did not open any such account. I have disputed this inaccurate information with all three credit bureaus, yet each has failed to remove the erroneous item from my credit report. 

This inaccurate reporting has caused significant harm to my credit standing and has directly prevented me from securing a loan critical to my financial well-being. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a consumers credit file must be accurate, verifiable, and complete. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for reporting false information and to review the practices of Experian, TransUnion, and Equifax for their failure to correct or remove this demonstrably inaccurate account after a formal dispute.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the XXXX major credit reporting agencies : Experian, TransUnion, and Equifax. 

XXXX XXXX XXXX is reporting a delinquent account allegedly opened on XX/XX/year>. This information is completely false and appears to be illegally reported, as I did not open any such account. I have disputed this inaccurate information with all three credit bureaus, yet each has failed to remove the erroneous item from my credit report. 

This inaccurate reporting has caused significant harm to my credit standing and has directly prevented me from securing a loan critical to my financial well-being. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a consumers credit file must be accurate, verifiable, and complete. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for reporting false information and to review the practices of Experian, TransUnion, and Equifax for their failure to correct or remove this demonstrably inaccurate account after a formal dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX : XXXX Company Email : XXXX Company Phone : ( XXXX ) XXXX Business Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX Complaint Summary : I am submitting this complaint regarding the denial of my GAP insurance claim by XXXX XXXX XXXX. The claim was related to my XXXX XXXX XXXX, which was totaled. My auto loan was through GM Financial, and after my primary insurance paid a portion of the balance, the remaining amount was to be covered by GAP insurance under claim number XXXX. 

On XX/XX/XXXX, GM Financial representative XXXX XXXX confirmed that all required documentationincluding the settlement valuation report and police reportwas submitted to XXXX XXXX. Despite this, the GAP insurance administrator denied my claim, stating that those documents were missing. 

I contacted both GM Financial and my dealership, XXXX XXXX, and was told everything had been properly submitted. I asked XXXX XXXX for a formal confirmation or explanation of the denial, including a list of what they believe was not received, but I have not received a complete or satisfactory response. 

This situation has left me with a loan balance that should have been resolved through GAP coverage. The unpaid balance is now causing derogatory reporting on my credit and making it difficult for me to obtain housing or other financing. 

I am requesting a formal investigation and resolution of this matter, and for the debt to be removed and or paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: The Savings Group, Inc.
State: MI

Complaint narrative:
on XX/XX/XXXX i was offered a lower monthly payment through RateGenius on XXXX XXXX {$480.00} instead of {$620.00} on my auto loan. after applying they refused to honnor that rate and now i have a hard check on my credit score..... XXXX

Company response to consumer: Closed with explanation