vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian regarding inaccurate personal information that continues to appear on my credit file despite prior efforts to correct it. Specifically, Experian is listing my legal name as XXXX XXXX, omitting the XXXX suffix. This is not only incorrect but also legally significant. My correct legal name is XXXX XXXX XXXX, and I have documentation, including my government-issued ID, to support this. 

Furthermore, my current and only address is XXXX XXXX Ct, XXXX, CA XXXX, which is also backed by valid proof of residence. However, Experian still lists an outdated address : XXXX XXXX XXXX, XXXX, CA XXXX, which I vacated back in early 2022. This address is no longer associated with me and its continued presence on my file XXXX result in confusion or misassociation with other records or individuals. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ), I have a right to expect that the credit reporting agencies maintain complete and accurate information about me. And under Section 611, once I notify a credit bureau of an inaccuracy, they are required to conduct a reasonable investigation and correct or remove that information if it can not be verified. My legal name and address are clear, verifiable facts, and there is no ambiguity about either. The ongoing failure by Experian to correct these fields despite prior notice constitutes noncompliance with its duties under the FCRA. 

These seemingly minor discrepancies have already caused unnecessary delays and suspicion during employment verifications and background checks, and have even led to complications when applying for credit, where the omission of the XXXX creates confusion or mismatch errors. It is degrading and stressful to have to constantly explain and defend my identity to institutions that should already have correct data.

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 2025-07-15 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : 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 : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
am filing this complaint regarding Speedy Cashs continued collection activity, despite my active participation in a payment plan.

I entered into a formal payment arrangement with Speedy Cash with the understanding that, as long as I remained in good standing, no further collection actions would be taken. I have consistently made my scheduled payments and have upheld my end of the agreement.

Despite this, I continue to receive collection notices in the mail. This is both frustrating and confusing, as it contradicts the purpose of the payment plan and undermines my efforts to resolve the matter responsibly. Additionally, the customer service I have received while trying to clarify this situation has been disappointing and unprofessional.

Requested Resolution : An apology from Speedy Cash for the poor customer service I have experienced A stop to all mailed collection notices while I remain current on the payment plan I appreciate the CFPBs role in protecting consumers and respectfully request your assistance in helping bring this matter to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX Complaint Type : Incorrect information on credit report Filed by : XXXX XXXX XXXX Date of Certified Dispute : XX/XX/XXXX Description : I disputed an account with XXXX XXXX XXXX via certified mail on XX/XX/XXXX, regarding incorrect and outdated reporting. I have not received any mailed response from XXXX XXXX or their servicer ( XXXX ), yet the account was updated retroactively, showing re-aged payment history. These updates occurred after my dispute and worsen my credit history without proper validation or notice, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623. 

XXXX XXXX shows multiple updates between XX/XX/XXXX and XX/XX/XXXX, with inconsistent payment notations and new derogatory information applied after my formal dispute. This type of retroactive re-aging is deceptive and unlawful under FCRA and furnisher guidelines.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$65.00} XXXX 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 : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
I mailed a full payoff check in the amount of {$7400.00} ( Check # XXXX ) on XX/XX/ 2025 which, based on tracking # XXXX ( see attached ) was delivered on XX/XX/2025. However, the check has not been processed, and I am continuing to accrue interest. 

I spoke with supervisor XXXX ( # XXXX ) who was unable to help me. I was only informed that a ticket was issued and would take another 2-4 days for a possible resolution. THIS IS UNACCEPTABLE!!!! This negligence is costing me money. 

I requested for them to please expedite this! They advised me they are unable to do this. 

I respectfully request that the payoff be applied effective XX/XX/XXXX to prevent undue financial burden due to processing delays outside my control. 

Thank you, XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
I was notified on XX/XX/year> that my personal and student loan information was exposed in a data breach involving XXXX. The breach included sensitive data like my Social Security number and loan details. 

Since then, Ive had issues getting clear answers from the servicer about what was exposed and what protections are being offered. Im concerned about identity theft and the lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
I was notified on XX/XX/year> that my personal and student loan information was exposed in a data breach involving XXXX. The breach included sensitive data like my Social Security number and loan details. 

Since then, Ive had issues getting clear answers from the servicer about what was exposed and what protections are being offered. Im concerned about identity theft and the lack of transparency.

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 2025-07-15 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: TX

Complaint narrative:
See Attachments! 

I am writing to formally dispute multiple fraudulent, inaccurate, and unverified accounts being reported on my consumer credit file with experian, equifax, and transunion. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), the Truth in Lending Act ( TILA ), Texas Finance Code, and CFPB enforcement regulations. I am serving formal legal notice and demand that you immediately investigate and pennanently DELETE all disputed items listed below and update consumer credit file within 14 days of receiving this notice. 

DISPUTED ACCOUNTS ( ALL REPORTING NEGATIVE UNVERIFIED INFORMATION ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Transunion ) ' XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion ) Several accounts are reporting late payments that are unverifiable. Under TILA, no late payment or finance charges can be imposed unless the creditor can prove : Proper and timely billing statement was sent, Grace period tenns were met, The consumer failed to pay by due date. Accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Late Payment ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Transunion ) ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( Transunion ) ( Late Payment ) DISPUTED ACCOUNTS ( ALL REPORTING NEGATIVE UNVERIFIED LATE HARD INQUIRIES INFORMATION ) : XXXX TransUnion XX/XX/XXXX NA XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX  XXXX AL Trans Union XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX NA XXXX XXXX Trans Union XX/XX/XXXXXXXX XXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Equifax XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX Equifax XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received my Ally credit card statement telling me that my credit card payment was due by XX/XX/year>, XXXX XXXX. I made the payment at XXXX XXXX  on XX/XX/year>. On XX/XX/year>, I received a text message saying that my account was past due. I called and spoke XXXX who told me, " Payments can take up to 48 hours to process. '' I asked for a supervisor. XXXX transferred me to a supervisor named XXXX who told me that the payment cut off is XXXX XXXX, XXXX. I explain to XXXX that the statement I get every month says, " ONLINE PAYMENTS : You may pay online at ally.com. Payments made online will be credited as of the same if made by XXXX XXXX. Eastern Time. '' XXXX told me the statement was incorrect and that she has been there for 10 years and it has always be XXXX XXXX. I asked to speak to someone higher up. XXXX transferred me to XXXX who told me that it can take up to 48 hours for a payment to be credited. I explained to XXXX what the statement says. She disagreed with me. I asked to speak to someone higher up. I was then transferred to XXXX. XXXX told me that making a payment via the mobile app, which I did, was a different channel and the cut off time was XXXX XXXX  Eastern Time. When I log into the mobile app, it also says that the cut off time is XXXX XXXX. Eastern Time. 

I called and spoke to another supervisor who told me that, " Our cut off time for same day payments are XXXX XXXX  Eastern Time. '' I explained to that supervisor that three payment channels reflect information different than what mentioned.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint and dispute regarding the inaccurate and unverifiable reporting of a XXXX XXXX bankruptcy listed on my Experian credit file. This reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be fully investigated.

According to 15 U.S. Code 1681 ( a ) ( 4 ) : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian has failed to meet this obligation by reporting an alleged XXXX XXXX bankruptcy without providing legally required documentation verifying the accuracy, completeness, and permissible purpose of this record.

Legal Grounds for Dispute Per the FCRA, I am requesting that Experian be held accountable to the following provisions : 15 U.S. Code 1681i ( a ) Requires CRAs to conduct a reasonable investigation if a consumer disputes the accuracy of information.

15 U.S. Code 1681e ( b ) Mandates that CRAs follow reasonable procedures to assure maximum possible accuracy.

15 U.S. Code 1681g ( a ) ( 2 ) & ( a ) ( 3 ) Requires CRAs to disclose the sources and entities that provided the information.

15 U.S. Code 1681c ( a ) ( 1 ) Limits the time that adverse information, including bankruptcies, may be reported.

Specific Request for Documentation Experian has not provided the necessary verification to justify inclusion of this bankruptcy. Therefore, I am demanding that Experian be compelled to produce the following original source documents : A copy of the original court judgment or order that allegedly confirms I filed for XXXX XXXX  bankruptcy.

Proof that Experian directly obtained this information from the court, not a third-party vendor such as XXXX or XXXX ( which are not original furnishers ). 

Documentation demonstrating Experian has verified the accuracy of this public record with the clerk of the court, as required by law. 

The full name, address, and contact information of the entity that furnished this bankruptcy data to Experian. 

A copy of any communication or record authorizing Experian to report this record under the permissible purpose doctrine, per 15 U.S. Code 1681b.

Internal documentation showing the procedures Experian used to ensure the record was accurately reported and not mixed or associated with another individual.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am an authorized signer on a credit card at Chase ending in XXXX. Chase says they have been reporting to all three bureaus since XX/XX/year>. They say my social security number and name and address are correct. 

But none of the three credit bureaus will give me a free credit report. XXXX says no history. XXXX  is HORRIBLE. It is impossible to get a human on the phone, and when you do they say call the bank, they have no idea why it was not reported. I have not tried Transunion on the phone, but online they will not allow me to order a free credit report. 

Please have the XXXX companies involved ( Chase, XXXX XXXX XXXX XXXX ) research my account and provide to me my updated score, a copy of the free credit report and a letter of apology. 

The best way to reach me is via email. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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