vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-08-26 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:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2000.00} 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 2025-08-26 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:
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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX  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, 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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Revvi closed a up to date account as a result of me filing a CPB complaint as a result of losing my wallet I called asked for a replacement card and reported a lost card. Over a month passed and no card was sent to replace the it. When I spoke they stayed my account had a restrictions. I said for what they said return payment.??? 

I logged into my bank and yes they were correct. The payment processed by a thrift party called copay. Took 7 days to process the bank made another payout on a different vendor. And the payment was returned I at once issue a new payment of XXXX rather than the min 42. Used a different.card they got paid in less than 2 days I again requested a new card they refused to send. I filed a complaint with you about this today they revvi retaliated. And closed my account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$210.00} 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, 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 2025-08-26 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: CO

Complaint narrative:
NEW INFO CFPB PLEASE REVIEW ( NOT A DUPLICATE ) : I am bringing forward new, undeniable proof that XXXX  and Experian are engaging in retaliation and what appears to be possible collusion, running sham reinvestigations after my prior CFPB complaints. This is not resolved the misconduct is ongoing. 

In XX/XX/year>, an XXXX representative told me in writing that if no payments were made, my loan would charge off on XX/XX/year>. Despite this, XXXX did not charge off the account in XXXX. Instead, they reported the account as late in XXXX before the XX/XX/XXXX due date. This is impossible under their own stated charge-off policy and a violation of Metro 2 reporting standards. 

On XX/XX/year>, I filed a This is not a duplicate CFPB complaint regarding this false reporting. On XX/XX/year>, XXXX responded with boilerplate language that ignored the evidence. On XX/XX/year>, the very next day, XXXX suddenly accelerated my loan and declared the full balance immediately due more than a month after their own stated XX/XX/XXXX charge-off date. The timing shows clear retaliation for my complaint, not legitimate servicing. 

At the same time, Experian has been working in lockstep with XXXX. I filed a CFPB complaint against Experian on XX/XX/year> for verifying false information. Experian sat on my complaint until the very last moment, then on XX/XX/year> ( Day 60 ) closed it with a generic verified response that ignored the evidence. Then, less than 12 hours later, at XXXXXXXX XXXX  on XX/XX/year>, Experian quietly opened a new dispute on the same tradeline without my initiation. This shows they are gaming complaint deadlines and colluding with XXXX, not independently investigating as the FCRA requires. 

Meanwhile, XXXX  has already deleted this tradeline after reviewing the same contradictions. The continued reporting by XXXX, Experian, and XXXX  is retaliatory, inaccurate, and coordinated to suppress my rights under the FCRA. 

I am demanding permanent deletion of the XXXXXXXX XXXX tradeline in full from Experian and XXXX. No updates, no edits deletion only. This situation is now beyond simple error ; it is retaliation, sham reinvestigation, and collusion. 

Attached are XXXX  XX/XX/year>XXXX  acceleration email, the XX/XX/year>XXXX  email showing a different XX/XX/year>XXXX  charge-off date, and evidence of the Experian disputes that magically opened today.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
NEW INFO CFPB PLEASE REVIEW ( NOT A DUPLICATE ) : I am bringing forward new, undeniable proof that XXXX  and XXXX  are engaging in retaliation and what appears to be possible collusion, running sham reinvestigations after my prior CFPB complaints. This is not resolved the misconduct is ongoing. 

In XX/XX/year>, an XXXX representative told me in writing that if no payments were made, my loan would charge off on XX/XX/year>. Despite this, XXXX did not charge off the account in XXXX. Instead, they reported the account as late in XXXX before the XX/XX/XXXX due date. This is impossible under their own stated charge-off policy and a violation of Metro 2 reporting standards. 

On XX/XX/year>, I filed a This is not a duplicate CFPB complaint regarding this false reporting. On XX/XX/year>, XXXX responded with boilerplate language that ignored the evidence. On XX/XX/year>, the very next day, XXXX suddenly accelerated my loan and declared the full balance immediately due more than a month after their own stated XX/XX/XXXX charge-off date. The timing shows clear retaliation for my complaint, not legitimate servicing. 

At the same time, XXXX  has been working in lockstep with XXXX. I filed a CFPB complaint against XXXX  on XX/XX/year> for verifying false information. XXXX  sat on my complaint until the very last moment, then on XX/XX/year> ( Day 60 ) closed it with a generic verified response that ignored the evidence. Then, less than 12 hours later, at XXXX XXXX on XX/XX/year>, XXXX  quietly opened a new dispute on the same tradeline without my initiation. This shows they are gaming complaint deadlines and colluding with XXXX, not independently investigating as the FCRA requires. 

Meanwhile, XXXX  has already deleted this tradeline after reviewing the same contradictions. The continued reporting by XXXX, XXXX, and TransUnion is retaliatory, inaccurate, and coordinated to suppress my rights under the FCRA. 

I am demanding permanent deletion of the XXXXXXXX XXXX tradeline in full from XXXX  and TransUnion. No updates, no edits deletion only. This situation is now beyond simple error ; it is retaliation, sham reinvestigation, and collusion. 

Attached are XXXX  XX/XX/year> acceleration email, the XX/XX/year> email showing a different XX/XX/year> charge-off date, and evidence of the XXXX  disputes that magically opened today.

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 2025-08-26 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$7400.00} 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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: MO

Complaint narrative:
On XX/XX/year>, my vehicle was wrongfully repossessed by LoanMart despite the fact that I had received a written letter confirming my next payment was not due until XX/XX/year>. 

From XX/XX/XXXX through XX/XX/XXXX, LoanMart representatives repeatedly told me the vehicle had been stolen. This false statement forced me to involve local law enforcement and pay {$50.00} in related costs for the police report and follow-up. 

On XX/XX/year>, LoanMart finally admitted it had repossessed the car. All required repossession notices and communications had been sent to an incorrect address that was not mine, despite my having updated my information with the company. Because of this, I was given no opportunity to cure or resolve the matter before my car was taken.

LoanMart continues to withhold my vehicle, leaving me without transportation. Their actions repossessing despite a valid letter showing no payment due until XX/XX/XXXX, providing false information, and failing to notify me at my correct address demonstrate bad faith, unfair and deceptive practices, and a clear violation of consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I signed up for a gym membership ( XX/XX/XXXXXXXX  ) but was refused the ability to cancel the membership despite language in the contract which described my ability to do so. I was refused cancellation both in person and over email ( emails dated XXXX XXXX  and XX/XX/XXXXXXXX  ). I continued making payments for what I understood to be the remainder of my term. Still I was sent to debt collection for supposed missed payments. I wrote to the debt collector requesting ( 1 ) justification that I owe the debt, ( 2 ) justification for the debt amount, and ( 3 ) an explanation for why I was not allowed to cancel a membership despite my contract containing a description of how to do so. The debt collector responded ( with what might have been an automated letter ) by sending a copy of the same contract which I sent to them, plus a billing spreadsheet showing payments owed beyond the contract term. They did not respond concerning my denied ability to cancel the membership. The debt collector does not provide information over the phone except, and the letters state that my information has not been reviewed by an attorney. However, they do threaten to report these supposed missed payments to credit bureaus.

Company response to consumer: Closed with explanation