vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I submitted a reinsertion challenge regarding previously deleted accounts. Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is prohibited from re-inserting information unless the furnisher of the information has certified that the information is complete and accurate. In addition, the consumer must be notified in writing within 5 business days of the reinsertion.

The credit reporting agency failed to provide the required notice and has allowed inaccurate and unverifiable information to remain on my report. This practice is unlawful, causes harm to me as a consumer, and is a direct violation of federal law. 

I am requesting that the CFPB take immediate action to investigate this matter, ensure compliance with the FCRA, and require the credit reporting agency to remove the reinserted items from my file.

I have not supplied proof on the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX we XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
My last care payment is XXXX XXXX now XXXX XXXX auto sales car company is trying to change the date of my last payment giving me the impression they want more money I keep calling they cant come up with the reason why its been changed they keep saying they will call back no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am disputing the accuracy of multiple late payments being reported by XXXX XXXX  on my account ending in XXXX. My credit reports with Experian, Equifax, and TransUnion show late payments for XX/XX/2024 through XX/XX/2024. 

These late payments are not accurate, not verified, and therefore not compliant with the Fair Credit Reporting Act ( FCRA ).

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate and complete reporting.

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to a reasonable reinvestigation. I demand documented proof from the furnisher.

To date, no original source documentation has been provided to verify these alleged late payments. 

If XXXX XXXX can not produce proper verification, these late payments must be deleted from all credit reports as unverified. 



Sincerely, 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am disputing the accuracy of multiple late payments being reported by XXXX XXXX  on my account ending in XXXX. My credit reports with Experian, Equifax, and TransUnion show late payments for XX/XX/2024 through XX/XX/2024. 

These late payments are not accurate, not verified, and therefore not compliant with the Fair Credit Reporting Act ( FCRA ).

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate and complete reporting.

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to a reasonable reinvestigation. I demand documented proof from the furnisher.

To date, no original source documentation has been provided to verify these alleged late payments. 

If XXXX XXXX can not produce proper verification, these late payments must be deleted from all credit reports as unverified. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: TX

Complaint narrative:
DEBT VALIDATION Subject : Debt Validation Request Pursuant to FDCPA 809 ( 15 U.S.C. 1692g ) Dear [ RECOVERY MANAGEMENT ], I am responding to your communication regarding an alleged debt. This letter is being sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide proper validation of the debt you claim I owe.

Please provide the following : 1. Validation of the debt the amount alleged, including an itemized accounting of fees, interest, and charges.

2. Proof of ownership documentation that your company has the legal right to collect on this account, including the original assignment or bill of sale.

3. Contract or agreement a copy of the original contract or signed agreement creating the debt.

4. Creditor information the name and address of the original creditor and the date of alleged default or charge-off.

5. Licensing proof that your agency is licensed to collect debts in my state.

Until you provide all requested documentation, you must cease collection activity and refrain from reporting or verifying this account with any credit reporting agency, as failure to validate violates federal law.

Be advised that any attempt to collect a debt without proper validation is a direct violation of the FDCPA, and I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office

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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 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: SC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 2025-09-11 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: AZ

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy and are causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-11 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: PA

Complaint narrative:
I am disputing the account reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Balance, Original Balance, and Account Status are incorrect and do not reflect the actual amounts or status of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and correct or remove this inaccurate information. Please provide written confirmation of your findings.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the account reported as [ XXXX : XXXX XXXX XXXX XXXX : XXXX. It is being reported with no balance when it should reflect a balance, and the status is incorrect. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which requires maximum possible accuracy. If this information can not be verified and corrected, it must be removed immediately, or I will pursue all legal remedies available under federal law.

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 2025-09-11 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: PA

Complaint narrative:
I am disputing the account reported as [ Creditor : XXXX XXXX XXXX : XXXX. This debt does not belong to me, and I have no knowledge of or responsibility for it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that this account be investigated and permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I am disputing the account reported as [ Creditor : XXXX XXXX XXXX : XXXX. This debt does not belong to me, and I have no knowledge of or responsibility for it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that this account be investigated and permanently removed from my credit report.

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 2025-09-11 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: TX

Complaint narrative:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : 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

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 2025-09-11 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: SC

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also know that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 USC 1001. Additionally, I am aware that misstatements are punishable as perjury under 18 USC 1621. This collection being displayed on my credit report are NOT related to any transaction made by me. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for good and/or services, and/or money and was clearly successful in creating this account. This is also being investigated by the FTC!!!! 

I demand this company to delete this account from all XXXX credit reporting agencies and COMPENSATE me for the violations or I will have NO CHOICE but to forward this to my litigation attorney!!! 

Collection Account : " XXXX XXXX XXXX XXXX XXXX  Amount {$840.00} ''

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 2025-09-11 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 declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also know that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 USC 1001. Additionally, I am aware that misstatements are punishable as perjury under 18 USC 1621. This collection being displayed on my credit report are NOT related to any transaction made by me. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for good and/or services, and/or money and was clearly successful in creating this account. This is also being investigated by the FTC!!!! 

I demand this company to delete this account from all XXXX credit reporting agencies and COMPENSATE me for the violations or I will have NO CHOICE but to forward this to my litigation attorney!!! 

Collection Account : " XXXX XXXX XXXX XXXX XXXX  Amount {$840.00} ''

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 non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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