vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: CT

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX Section XXXX and Section XXXX, I have the right to privacy and no consumer reporting agency may furnish my report without my written consent. The following hard inquiries were not authorized by me and were made without my knowledge or written instruction : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These unauthorized inquiries appear on Experian, TransUnion, and Equifax. I am requesting their immediate removal and written confirmation once deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Use this shortened complaint text for the CFPB forms What happened and What I want fields. Replace bracketed items with your details and attach the documents listed below. 

Date : [ XXXX ] Company : GM Financial XXXX number XXXX [ account number ] Vehicle : [ year, make, model, VIN ( optional ) ] State XXXX [ your state ] I became XXXX  and XXXX on/about XX/XX/year> and contacted GM Financial on XXXX XXXX after I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to request a temporary payment reduction, deferment, or other hardship accommodation. 

On XX/XX/year> I contacted GM Financial informing them of my XXXX from XXXX XXXX XXXX and offered to send supporting documentation of my XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. GM Financial refused to reinstate my loan and offer of smaller payment plan or reasonable accommodation. My account was charged off on XX/XX/XXXX. This charge-off is on my credit reports and is harming my credit. I have not received a clear written explanation of why my hardship request was denied or whether the debt was sold or if there is a deficiency balance after any repossession/sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding inaccurate and unverifiable items on my credit reports. It has now been more than XX/XX/XXXX days since my most recent dispute, and the credit bureaus have failed to remove, correct, or provide documentation to support the continued reporting of the disputed accounts. This lack of response shows a pattern of neglect and willful disregard of my consumer rights. 

The continued reporting of inaccurate and unverified information violates : 15 U.S.C. XXXX ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to provide the method of verification 15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy To date, none of the bureaus have provided : The method and procedures used to verify the disputed items Documentation relied upon to validate the accounts The full contact information of the furnishers involved

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 2025-11-06 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding inaccurate and unverifiable items on my credit reports. It has now been more than XX/XX/XXXX days since my most recent dispute, and the credit bureaus have failed to remove, correct, or provide documentation to support the continued reporting of the disputed accounts. This lack of response shows a pattern of neglect and willful disregard of my consumer rights. 

The continued reporting of inaccurate and unverified information violates : 15 U.S.C. XXXX ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to provide the method of verification 15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy To date, none of the bureaus have provided : The method and procedures used to verify the disputed items Documentation relied upon to validate the accounts The full contact information of the furnishers involved

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 2025-11-06 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: NY

Complaint narrative:
I would like to know whybmy account is reporting charge off every month XXXX XXXX paying the debt of every month. I have paid my account in full as of XX/XX/year> I would like this XXXX XXXX account to reflex my payments every month. XXXX XXXX has not sent me my payoff letter I sent them my request for pay off I have not recieved anything thing back. CFPB can you conduct an investigation on my behalf against XXXX XXXX to reporting false information on my payment history thank you

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 2025-11-06 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: SC

Complaint narrative:
I am submitting this complaint because all three credit reporting agenciesTransUnion, Equifax, and Experianhave failed to fully comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 1681s-2, after I provided complete and verified documentation of identity theft.

I have submitted my FTC Identity Theft Report, my identification, and a written statement over six times to each bureau. I have also spoken directly with customer-service representatives and managers who confirmed receipt and accuracy of my documents. Despite this, the bureaus have only partially removed some accounts, leaving behind late payments, high balances, inquiries, and derogatory remarks tied to the same fraudulent accounts.

The law requires that, once a consumer provides proper proof of identity theft, the bureaus must block all fraudulent information within four ( 4 ) business days ( FCRA 605B ). The failure to fully delete and block these items constitutes willful non-compliance under FCRA 1681n and/or negligent non-compliance under 1681o. 

The following accounts and inquiries remain inaccurately reported despite my valid identity-theft filings : XXXX / XXXX XXXX payments and derogatory information remain. 
XXXX XXXX XXXX XXXX ( XXXX ) Should be deleted ; balance must be {$0.00}. 
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX confirmed no authorized-user reporting XXXX XXXX XXXX  has XXXX removed accounts and late payments on their end. 
XXXX XXXX  ( XXXX ) Still showing high balance and inquiries. 
XXXX XXXX Fraudulent account remains. 
U.S. Bankruptcy Should be deleted as identity-theft-related. 
Closed accounts Still reporting high balance, falsely implying I owe money. 
Improper inquiries XXXX XXXX, XXXX, XXXX XXXX. 

These bureaus were legally obligated to remove and block this information but have failed to do so even after more than 30 days. Their continued reporting is damaging my credit reputation and preventing me from obtaining fair access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding inaccurate and unverifiable items on my credit reports. It has now been more than XX/XX/XXXX days since my most recent dispute, and the credit bureaus have failed to remove, correct, or provide documentation to support the continued reporting of the disputed accounts. This lack of response shows a pattern of neglect and willful disregard of my consumer rights. 

The continued reporting of inaccurate and unverified information violates : 15 U.S.C. XXXX ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to provide the method of verification 15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy To date, none of the bureaus have provided : The method and procedures used to verify the disputed items Documentation relied upon to validate the accounts The full contact information of the furnishers involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Good day, I would like to request that investigations be conducted and that this account be deleted. Because of this bogus account, which I disclosed to your organization, I was recently fired from my work. My records of the issues that I have encountered with your company in the past have also been preserved. I have saved all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I RECEIVED AN EMAIL ON XX/XX/XXXX FROM NAVY FEDERAL CREDIT UNION OFFERING ME A BALANACE TRANFER WITH NO TRANSFER FEE AND 1.99 % FOR 15 MONTHS ON EXISTING CREDIT CARD. SO I LOGGED INTO MY ACCOUNT AND REQUESTED CREDIT LIMIT INCREASES ON EACH OF MY CREDIT CARDS, WHICH THEY APPROVED. I LOOKED AT EACH OF MY CREDIT CARDS, PLATINUM AND REWARDS, TO SEE IF ONE CARD HAD THE OFFER OVER THE OTHER, THAT WHERE NAVY FEDERAL 'S PROCESS WAS A LET DOWN, AS IT WAS NOT CLEAR WHAT INTEREST RATE I WOULD BE CHARGED IN PROCESSING A TRANSFER, SO JUST ASSUMED THE OFFER WAS AVAILABLE ON BOTH CARDS. SO I TRANSFERRED {$40000.00} TO MY REWARDS CARD AND {$10000.00} TO MY PLATINUM CARD. 
THE TRANSFER TOOK PLACE ON MY REWARDS CARD ON XX/XX/XXXX AND XX/XX/XXXX ON MY PLATINUM CARD. 
MY STATEMENT CUT ON THE REWARDS CARD ON XX/XX/XXXX, AND NOTICED I WAS CHARGED {$290.00} WHICH SEEMED EXCESSIVE, SO I PULLED UP MY STATEMENT AND SAW I WAS BEING CHARGED 18 %, AND IT LOOKS LIKE THEY USE THE AVERAGE DAILY BALANCE METHOD FOR THE MONTH, AS THE BALANCE SUBJECT TO INTEREST WAS {$20000.00} I THEN WENT BACK TO THE EMAIL, TO CONFIRM THE OFFER WAS 1.99 % FOR 15 MONTHS. I THEN CALLED NAVY FEDERAL, I EXPLAINED TO THEM, THE PROCESS ONLINE WAS NOT VERY CLEAR, HOW I CHECKED BOTH CARDS FOR A PROMO RATE, AND IT DID NOT LIST A PROMOTIONAL RATE ON EITHER CARD, SO I ASSUMED THE OFFER WAS AVAILABLE ON BOTH CARDS, IT ONLY ASKED FOR THE CREDIT CARD NUMBER I WANTED TO PAY AND THE AMOUNT ON THE FIRST SCREEN, THEN ON THE NEXT SCREEN IT ASKED FOR THE BANK NAME AND PAYMENT ADDRESS OF THE CARD I WANTED TO PAY, NEVER DID IT STATE WHAT INTEREST RATE I WOULD BE CHARGED, ON THE PHONE NAVY FED ASKED FOR A PROMO CODE, AND I COULD NOT FIND ONE ANYWHERE IN THE EMAIL, SO I SUGGESTED THAT I FORWARD THE EMAIL TO THEM. THEY SAID ON THE WEBSITE I COULD SEND IT TO THEM. 
I TOOK SCREEN SHOTS, AND MESSAGED THEM. 
THEY CAME BACK THE NEXT DAY AND SAID IT WAS A FOR A NEW CARD OFFER. AN THAT I WOULD BE CHARGED 18 % ON MY REWARDS CARD AND 10.24 % ON MY PLATINUM CARD. 
I REPLIED BACK AND TOLD THEM TO LOOK AT THE FIRST OF THE XXXX IMAGES I ATTACHED, AND IT DID STATE EXISTING CARD ENDING IN XXXX DIGIT NUMBER REPRESENTING MY PLATINUM CARD SO THEY CAME BACK AND SAID THE BALANCE TRANSFERS ON MY PLATINUM CARD WOULD IN FACT BE AT 1.99 % AND WILL NOT BE REFUNDING ANY OF THE INTEREST I FELT I WAS OVERCHARGED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Failure to Properly Investigate Identity Theft Report XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to your recent request for additional proof of identity, that I received by email from Experian despite the fact that I have already provided you with : A copy of my government-issued identification, Proof of my current address, and An FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, when a consumer submits an Identity Theft Report, the credit reporting agency is required to block the reporting of information that results from identity theft within 4 business days of receiving the report. You may not continue to report information that is the result of identity theft once such documentation has been provided. Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Continuing to demand redundant identity documents after receiving a valid FTC Identity Theft Report and proof of identity creates unnecessary barriers and constitutes noncompliance with federal law. Your refusal to honor my FTC Identity Theft Report and my previously submitted identity documents may also amount to a violation of the Fair and Accurate Credit Transactions Act ( FACTA ), which was enacted to ensure consumers have protections against identity theft and are not forced to repeatedly prove their identity after a valid report has been filed. At this time, I am demanding that you : 1. Immediately block and remove all fraudulent accounts and information identified in my FTC Identity Theft Report. 2. Provide me with a written confirmation of the actions you have taken to ensure compliance with federal law. 3. Cease requiring me to submit duplicative or unnecessary identity documents when you already possess valid proof. Attached is the results of your non diligent investigation into XXXX, XXXX, XXXX XXXX, XXXX XXXX, ED department of education and XXXX. The redundant request for proof of my identity has caused a time lapse in efforts to correct my credit report.FTC report was filed due to the XXXX  data breach that supports my claim that is not being taken seriously. My XXXX credit report also shows proof of these accounts deleted from my report as proof of fraud. The document is attached here as well. There has also been a XXXX  XXXX breach that further exposes my personal information and damages my credit report. Please follow the laws in this request as there several violations.

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 2025-11-06 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: IL

Complaint narrative:
The account was settled in full, but the credit report still lists delinquency remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is currently attempting to collect on an alleged debt that was formally identified and reported as fraudulent well before Synchrony Bank sold, assigned, or otherwise transferred any interest in the account. Both my husband and I are confirmed victims of identity theft, and the fraudulent nature of this account has been thoroughly documented through official reports, police reports, and an FTC Identity Theft Report. 

Despite this, it appears Synchrony Bank failed to properly flag the account as disputed and fraudulent prior to its transfer, resulting in continued collection efforts by XXXX XXXX XXXX XXXX XXXX on a debt that is not valid. The sale or assignment of a known fraudulent account represents a serious violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), particularly as it concerns the duty to investigate and the prohibition against the continued collection or furnishing of information known to be false.

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My entire loan for my car is paid in full. This loan was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was ripped off but I paid the loan in full. I got behind a few times and my car was taken twice but each time I recovered the car did paid all fees right away with no hesitation. 

Now my loan is paid and they are stating I still owe money and not sure why after I paid everything that was asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I attempted to contact the Bureaus concerning the absence of my credit report, despite my subscription to a monthly service with other credit monitoring providers. I have called, emailed, and mailed my documents to request an update in their system ; however, it has been three months without any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NY

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 AMERICAN EXPRESSs 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 XXXX XXXX XXXXet 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. AMERICAN EXPRESS has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation