vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMERCIAL SERVICES GROUP, INC.
State: MI

Complaint narrative:
I am being pursued by a third-party debt collector for a vehicle lease balance from my former employer, XXXX. The amount allegedly owed accumulated during a period of medical leave in early XXXX when I received no paycheck and therefore could not have lease deductions processed. 

I was laid off in XX/XX/XXXX, returned the vehicle as required, and believed all financial matters were settled under my severance agreement. However, over a year later, in XX/XX/XXXX, I was contacted for the first time about the missed paymentsdespite never receiving prior notice, an invoice, or any communication from XXXX. 

I sent a request to XXXX XXXX Operations ( within 30 days of receiving the letter ), requesting clarification and information on the debt but received no response. 

XXXX failed to notify me of the missed payments or send any invoice or demand for over a year. I emailed XXXX XXXX XXXX XXXX team on XX/XX/XXXX seeking clarificationbefore the collector contacted meand received no response. 

Then in XX/XX/XXXX, I was reported to collections without warning. 

The sudden and delayed reporting to collectionsafter I had attempted to resolve the matteris unfair and potentially in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am a victim of identity theft and is disputing inaccurate and unverifiable information currently listed on my report. some accounts and inquiries are not mines and are under investigation please consider FCRA guidelines when reviewing my 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 2025-07-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Formal Complaint Against Equifax for FCRA Violations and Failure to Respond to Dispute Requests Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services LLC for failing to properly respond to my credit dispute requests and for multiple violations of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting several disputes along with supporting identification documentsincluding a government-issued ID, my Social Security card , and a utility bill to confirm my addressEquifax continues to verify inaccurate information without providing any validation or method of verification, which is required by FCRA 611 ( 15 U.S.C. 1681i ). 

Each time I request an investigation and supporting documentation, Equifax responds with generic letters stating that the information has been verified, without sending any actual proof or detail as to how it was verified, or by whom. 

The accounts I disputed with Equifax include : XXXX XXXX XXXX Account # XXXX ( Appears twice on my credit report a duplicate reporting ) XXXX XXXX XXXXXXXX XXXXccount # XXXX Amount : {$2400.00} XXXX XXXX XXXX XXXX. Amounts : {$700.00} XXXX XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX Account # XXXX Amount : {$1600.00} XXXX XXXX XXXX XXXX Amount : XXXX XXXX XXXX  balance of {$660.00} with late payments XXXX XXXX balance of {$1000.00} with late payments XXXX XXXX XXXX XXXX XXXX These accounts either report inaccurate information, have not been properly validated, or contain duplicate entries that are unlawful under federal regulations. Equifax has failed to provide : Method of verification used to confirm the accounts Validation documents from the original creditors or furnishers Furnisher contact information as required under FCRA guidelines

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

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

1681c-2 ) that you, the Experian Credit XXXX , 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 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 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 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 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 2025-07-07 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize on XX/XX/year>.

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

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

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

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC, social security and ID attached for verification 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 explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
CFPB Complaint Against Experian, Equifax, and TransUnion Complainant Information Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Company Information Experian : XXXX XXXX XXXX, XXXX, TX XXXX Equifax : PXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX Complaint Details Date of Issue : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Problem : On XX/XX/XXXX, I discovered a 30-day late payment reported for my XXXX XXXX account ( # XXXX ) on my credit reports from Experian, Equifax, and TransUnion XXXX despite timely payments ( e.g., {$25.00} on XX/XX/XXXX ). I contacted XXXX on XX/XX/XXXX, and disputed the error with all three bureaus on XX/XX/XXXX ( e.g., Dispute # XXXX with Experian ). A prior CFPB complaint was unresolved. The bureaus failed to correct this false reporting, damaging my credit. 
Consumer Law Violations : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : All three bureaus failed to ensure maximum accuracy by retaining the inaccurate 30-day late payment.

1681i : The bureaus did not conduct a proper reinvestigation of my dispute, violating their obligation to correct erroneous data.

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

Complaint narrative:
CFPB Complaint Against Experian, Equifax, and TransUnion Complainant Information Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Company Information Experian : XXXX XXXX XXXX, XXXX, TX XXXX Equifax : PXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX Complaint Details Date of Issue : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Problem : On XX/XX/XXXX, I discovered a 30-day late payment reported for my XXXX XXXX account ( # XXXX ) on my credit reports from Experian, Equifax, and TransUnion XXXX despite timely payments ( e.g., {$25.00} on XX/XX/XXXX ). I contacted XXXX on XX/XX/XXXX, and disputed the error with all three bureaus on XX/XX/XXXX ( e.g., Dispute # XXXX with Experian ). A prior CFPB complaint was unresolved. The bureaus failed to correct this false reporting, damaging my credit. 
Consumer Law Violations : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : All three bureaus failed to ensure maximum accuracy by retaining the inaccurate 30-day late payment.

1681i : The bureaus did not conduct a proper reinvestigation of my dispute, violating their obligation to correct erroneous 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 non-monetary relief
Consumer complaint received 2025-07-07 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: AL

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 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

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

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

1681c-2 ) that you, the Experian Credit 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 XXXX XXXX XXXX CA XXXX ACCOUNTS : 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

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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After looking at my credit report, I noticed hard inquiries I do not recognize I reach out to TransUnion and Equifax and they refuse to dispute or investigate the inquiries.Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statements section that should be removed from my credit profile. 

15USC 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries Except as provided in section 15USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer

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 2025-07-07 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 utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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 utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because TransUnion is reporting outdated and wrong information on my credit report that needs to be fixed. I just pulled my file, and it doesnt reflect my accurate details at all. 

Heres what should be showing : Full Name : XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Employer : Unemployed ( for now ) There are several wrong addresses being reported that dont match my documents and Ive never lived at. These need to be deleted : XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Only the XXXX address I listed above should be in my file. 

Also, if there are any name variations on file, please make sure my last name is correctly shown as XXXX or add my last name to my file and remove or fix anything thats inaccurate or cut off. 

Ive submitted supporting documents, including my passport, SSN, and utility bills.

Under the FCRA : 15 U.S.C. 1681e ( b ) requires you to maintain accurate credit report data.

15 U.S.C. 1681i ( a ) requires corrections once documentation is submitted.

15 U.S.C. 1681g ( a ) gives me the right to a full, updated copy showing those corrections.

If you dont make these changes, thats considered negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, and I know I can seek {$1000.00} per violation. 

XXXX simply asking that you delete the inaccurate addresses, correct any name errors, and send me confirmation that its all been updated properly.

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 2025-07-07 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Re : Research Request Date : XX/XX/year> A ) Credit Items : Company Name : XXXX XXXXXXXX Account Number : XXXX Reason for investigation : This is fraudulent. Delete this account. This is incorrect and inaccurate information that you are verified through your third-party company. This should be removed under FCRA 611 ( 15 U.S.C. 1681.

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 2025-07-07 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: WI

Complaint narrative:
I disputed the XXXX account with Experian. Instead of correcting the false reporting, Experian added more charge-offs after my dispute. XXXX confirmed the account was sold on XX/XX/year>. Reporting additional charge-offs after that date is illegal reaging. Experian acted in bad faith and retaliated against my dispute. This caused serious damage to my credit.

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