vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I have been making consistent payments on my auto loan but have been stuck XXXX month behind due to my paycheck and rent timing. I called the company on XX/XX/18 at XXXX to request a payment deferral or hardship plan to help me get current and stop being reported as XXXX late every month to the credit bureaus. 

I was told I could not be transferred to the hardship or deferral department because I am not delinquent enough, even though these late payments are already hurting my credit. When I asked for this refusal in writing, the representative refused to send any email or document the denial and then hung up on me. 

I remained on the phone for over XXXX minutes requesting help and documentation. The representative told me her name was XXXX but refused to give me her department name or the department who handles hardships for customers. She stayed silent on the phone call as I was requesting the documentation for her refusal and she just kept repeating no one is available to help and can not get in touch with any other department. She stated she could not email me the refusal documentation and then hung up on me. I am asking that the company be held accountable for refusing to assist customers who are trying in good faith to avoid further credit damage. I want the company to contact me with legitimate hardship options or a deferral plan. I want the company to provide clear options to help me get current on my loan and stop ongoing late marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

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! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

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 XX/XX/XXXX ] Account Number : [ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
I disputed a closed account that was reporting multiple late payments to the credit bureaus. I mailed a formal validation request to the company in XX/XX/year>, asking for documentation such as a signed agreement, original billing statements, payment history, delinquency notices, and proof of how and when the late payments were reported. The company responded with a basic transaction summary but failed to provide the requested documents. Despite not validating the late payment data properly, they refused to remove or correct the negative reporting. I'm asking for the inaccurate information to be removed or the entire account to be deleted due to incomplete validation and failure to follow fair credit reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

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 : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  XX/XX/XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Date :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
FCRA/CARES Act Violation Dispute Letter Subject : Formal Dispute and Request for Correction Due to CARES Act Violation To Whom It May Concern, I am writing to file a formal dispute concerning the inaccurate and unlawful reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX reported as of XX/XX/XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX of XX/XX/XXXX These negative entries are in direct violation of the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), signed into law on XX/XX/XXXX, and in effect through XX/XX/XXXX, and the Fair Credit Reporting Act as amended under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ).

Due to the COVID-19 pandemic, my business was closed during this time and I experienced a material hardship, which I communicated to my lenders. According to the CARES Act, if a consumer was affected by COVID-19 and had an agreement with a creditor for forbearance, deferment, or other accommodations, the creditor is prohibited from reporting the account as delinquent. 

By reporting these delinquencies in XXXX and XX/XX/XXXX, both furnishers and the credit reporting agencies have violated federal protections meant to shield consumers during this national crisis. 

I am formally demanding that you : Immediately update these accounts to immediately REMOVE them entirely from my credit report, due to unlawful reporting. 

Failing to correct this information would constitute continued non-compliance with federal law, specifically the CARES Act protections and the amended FCRA requirements regarding consumers impacted by COVID-19.

If not corrected within the timeframe allotted by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for willful violation of my rights.

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX D.O.B XX/XX/XXXX [ Last 4 of SSN : XXXX XXXX XXXX XXXX of 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 2025-07-17 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-07-17 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: OH

Complaint narrative:
I am writing to formally dispute the presence of accounts being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their appearance on my credit report is both inaccurate and misleading.

This misrepresentation of my financial history is completely unacceptable and has caused significant concern. I value the accuracy and integrity of my credit profile, and I am deeply troubled by the presence of these unauthorized accounts.

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 2025-07-17 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX  XXXX XX/XX/XXXX -- {$5700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MO

Complaint narrative:
Issue XXXX XXXX XXXX XXXX has failed to properly resolve a fraud dispute on my XXXX XXXX credit card, despite multiple credits and debits posted to my account in connection with a known fraudulent transaction. 

Description : I am filing a follow-up complaint againsXXXX XXXX XXXX XXXX  regarding a XX/XX/XXXX, fraudulent charge of {$45.00} ( Transaction : XXXX, XXXX, WA ). Although XXXX posted two creditson XX/XX/XXXX and XXXX {$91.00}, I am still being held financially responsible for the disputed charge. This is likely due to improper credit application, unclear reversal handling, or other posting errors that XXXX has refused to investigate further. 

Despite my prior complaint ( CFPB Case XXXX XXXXXXXX ), XXXX continues to insist this matter is resolved while I continue to bear the cost of a fraud charge. Their response fails to explain : - Why credits were issued twice for a single fraudulent charge.

- Why I still show a balance due despite these credits.

- What their internal reconciliation and audit trail reveals about the posting sequence.

This is not a duplicate complaint because I am raising new evidence that the resolution was incomplete, and that the transaction remains improperly handled. I have requested specific audit documentation from XXXX and have received no response. 

I am requesting CFPB assistance to compel XXXX XXXX to : 1. Conduct a complete transaction audit trail analysis of the XXXX charge and credits. 
2. Issue a corrected statement reflecting proper reversal.

3. Remove any interest or fees incurred due to this fraudulent activity.

4. Provide written documentation explaining how their investigation concluded the dispute was resolved.

This matter remains financially and legally unresolved and continues to cause harm to me as a 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OK

Complaint narrative:
I am filing a formal complaint against Discover Financial Services for unlawfully closing my credit account in XX/XX/XXXX without providing any prior written notice or giving me the legally required opportunity to challenge the alleged debt or issue. This action resulted in significant and unjust damage to my credit profile, which Discover reported to XXXX XXXX XXXX XXXX. I have held this account since XX/XX/XXXX Discover violated multiple consumer protection laws by failing to Provide Required Notice Before Account Closure Under the Equal Credit Opportunity Act ( ECOA ), XXXX U.S.C. XXXX ( d ) and Regulation B ( XXXX C.F.R. XXXX ), creditors are required to send a written adverse action notice when closing a consumers account based on credit-related decisions. I received no such notice. 


Denying Me the Right to Dispute or Validate the Debt Discover failed to notify me of any issue or provide me with an opportunity to dispute or validate the debt before taking adverse action. This is a clear due process failure that undermines my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXs-2, which mandates accurate, complete, and fair reporting, and requires notice when negative credit actions are taken. 

Reporting Harmful and Unverified Information to Credit Bureaus Without my knowledge or consent, Discover reported this closure and its negative status to XXXX XXXX XXXX credit bureaus, which caused a drastic drop in my credit score and reputational harm. If the information reported is based on unverified or disputed debt, then this constitutes a violation of FCRA obligations to report only verified and accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2025, a client named XXXX XXXX made an ACH payment of approximately {$1600.00} to my business via QuickBooks for a wedding service. The payment was authorized, and I have documentation confirming that the client agreed to the invoice and the services.

Shortly after, the funds were reversed by his bank, USAA, claiming the payment was unauthorized. I called USAA to request an investigation or submit documentation showing the charge was valid. They informed me that because XXXX ( the client ) didnt open a dispute himself, they couldnt initiate an investigation on his behalf. When I asked if they had conducted any investigation, they said they werent sure whether one had been done, but that they have up to XXXX days to resolve such cases.

As the business affected by this reversal, I have no clear way to challenge the decision or provide evidence, and this has caused substantial harm to my small business. XXXX also refuses to dispute ACH payments, which I was not made aware of when choosing them as a payment processor. 

I believe USAA failed to properly investigate or communicate the chargeback process, and I am seeking an investigation into their handling of this ACH reversal. This transaction was authorized, and I should have been given a fair opportunity to respond.

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 2025-07-17 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-17 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief