vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/year>2025, my vehicle was repossessed by or on behalf of Global Lending Services ( XXXX  ) without any prior notice. I was not provided with the required post-repossession notice or any documentation outlining my rights, the balance due, or instructions for reclaiming my vehicle.

The repossession occurred in a highly public settingduring my work hours and directly in front of my coworkers and employerwhich caused significant personal embarrassment and professional disruption. Additionally, the tow company disclosed to my property manager that the vehicle was being repossessed, which I did not authorize and consider a serious invasion of privacy.

When I attempted to resolve the matter, I was directed to a third-party loss prevention liaison, who refused to provide the location of my vehicle or the name of the repo company, even after I expressed intent to pay. This made it extremely difficult to reclaim my vehicle and obstructed my right to redemption. 

I ultimately paid {$1100.00} in full on XX/XX/year>2025. I was told the vehicle would be released, yet even after payment, I was not immediately given the repo lot address or retrieval instructions. This prolonged the disruption to my job and daily life, and I submitted the payment under duress in order to avoid escalating storage fees and further hardship.

I have call recordings I am unable to attach as well.

This experience was mismanaged, invasive, and emotionally XXXX. I am seeking a full refund of the {$1100.00} I paid, along with {$25000.00} in damages for the professional, personal, and emotional harm caused. I am also requesting that XXXX  apply a credit for the missed payments that led to the repossession, and that I not be held responsible for them going forward, given the multiple procedural failures and privacy violations that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. 

Subject : Dispute of Inaccurate Information and Request for Documentation Dear XXXX/TransUnion, I am writing to formally dispute the accuracy of the information regarding my account with XXXX XXXX , as reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I have the right to request and obtain documentation related to this account.

I believe that GM Financial has made an unlawful repossession of my vehicle without providing any prior notice or documentation. I request that the following be provided : Account Name : XXXX XXXX ACCOUNT # XXXX 1. Proof of the repossession letter.

2. Documentation showing the auction details when my vehicle was sold.

3. Any account information that supports the balance reported on my credit report.

4. Payment statement History 1. Documentation I open this account up with a driver license I also dispute the accuracy of the balance reported, as it does not reflect the correct amount owed. Under the FCRA, I am entitled to a thorough investigation of my dispute, and I would appreciate your cooperation in providing the requested documentation.

Please investigate this matter and provide me with the documentation requested within the 7-day period allowed by law. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-06-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-12 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXXXX, XXXX, GA XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX, I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. The specific accounts I am disputing are detailed below. 

* * Inaccurate Account Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors have a duty to report accurate information to credit reporting agencies. The information listed above is inaccurate, and as a result, it does not comply with this requirement. Furthermore, under 15 U.S.C. 1681e ( b ), credit bureaus have a duty to maintain maximum possible accuracy in their reports. The presence of this inaccurate information violates that duty and may negatively affect my creditworthiness. 
I am requesting that you investigate this matter and remove the inaccurate information from my credit report within 30 days of receiving this letter. Additionally, I would like to receive written confirmation of your findings and an updated copy of my credit report once the corrections have been made. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft my identity was stolen. There are several loans and credit cards opened by someone. Ive never gave anyone access to my credit or social. Furthermore never gave anyone permission or authorization to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft my identity was stolen. There are several loans and credit cards opened by someone. Ive never gave anyone access to my credit or social. Furthermore never gave anyone permission or authorization to open these 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered multiple fraudulent accounts and inaccurate personal information on my credit reports across all three bureaus. These include collections, credit cards, and hard inquiries that I did not authorize, as well as incorrect addresses and employment information. I filed an Identity Theft Report with the FTC and submitted a written dispute to the credit bureaus on XX/XX/year>, under 15 U.S.C. 1681c-2. Despite taking these steps, the fraudulent items remain on my report. These inaccurate items are negatively affecting my credit standing. I am requesting the immediate removal of all fraudulent accounts, unauthorized inquiries, and incorrect personal data as required by law. I also submitted supporting documentation including my ID, Social Security card, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Account # XXXX ) Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX for failing to accurately report information related to my auto loan account for a XXXX XXXX Compass ( VIN : XXXX ), and for providing misleading communication regarding the resolution timeline of my previous inquiry. 

On XX/XX/XXXX, I received an email from a XXXX representative advising that I had until XX/XX/XXXX to respond in order to keep the matter open. I replied the same day via email, yet XXXX failed to respond and instead closed the matter prematurely on XX/XX/XXXX well before the stated deadline. This conduct demonstrates bad faith and a lack of due process. 

In addition, I recently received a letter from XXXX dated XX/XX/XXXX, confirming that the account was charged off on XX/XX/XXXX. Despite this, XXXX continues to report to the credit bureaus as if the account is newly charged off or active in XXXX, which is factually inaccurate and damaging to my credit.

This misreporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.

I respectfully request that the CFPB : 1. Investigate this matter thoroughly ; 2. Require XXXX to correct the charge-off date to reflect XX/XX/XXXX ; XXXX. XXXX XXXX to update all relevant credit bureaus to indicate that this account was closed/charged off in XXXX not in XXXX ; XXXX. Require a written confirmation from XXXX once these corrections have been made. 

Please find attached : A copy of XXXX XX/XX/XXXX payoff letter showing the XXXX charge-off date ; A copy of the XX/XX/XXXX email from their representative stating I had until XX/XX/XXXX to respond ; My same-day email reply, which received no acknowledgment. 

Thank you for your time and assistance. I appreciate your support in correcting this injustice. 

Sincerely, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX for failing to accurately report information related to my auto loan account for a XXXX XXXX Compass ( VIN : XXXX ), and for providing misleading communication regarding the resolution timeline of my previous inquiry. 

On XX/XX/XXXX, I received an email from a XXXX representative advising that I had until XX/XX/XXXX to respond in order to keep the matter open. I replied the same day via email, yet XXXX failed to respond and instead closed the matter prematurely on XX/XX/XXXX well before the stated deadline. This conduct demonstrates bad faith and a lack of due process. 

In addition, I recently received a letter from XXXX dated XX/XX/XXXX, confirming that the account was charged off on XX/XX/XXXX. Despite this, XXXX continues to report to the credit bureaus as if the account is newly charged off or active in XXXX, which is factually inaccurate and damaging to my credit.

This misreporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.

I respectfully request that the CFPB : 1. Investigate this matter thoroughly ; 2. Require XXXX to correct the charge-off date to reflect XX/XX/XXXX ; XXXX. XXXX XXXX to update all relevant credit bureaus to indicate that this account was closed/charged off in XXXX not in XXXX ; XXXX. Require a written confirmation from XXXX once these corrections have been made. 

Please find attached : A copy of XXXX XX/XX/XXXX payoff letter showing the XXXX charge-off date ; A copy of the XX/XX/XXXX email from their representative stating I had until XX/XX/XXXX to respond ; My same-day email reply, which received no acknowledgment. 

Thank you for your time and assistance. I appreciate your support in correcting this injustice. 

Sincerely, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Account # XXXX ) Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX for failing to accurately report information related to my auto loan account for a XXXX XXXX Compass ( VIN : XXXX ), and for providing misleading communication regarding the resolution timeline of my previous inquiry. 

On XX/XX/XXXX, I received an email from a XXXX representative advising that I had until XX/XX/XXXX to respond in order to keep the matter open. I replied the same day via email, yet XXXX failed to respond and instead closed the matter prematurely on XX/XX/XXXX well before the stated deadline. This conduct demonstrates bad faith and a lack of due process. 

In addition, I recently received a letter from XXXX dated XX/XX/XXXX, confirming that the account was charged off on XX/XX/XXXX. Despite this, XXXX continues to report to the credit bureaus as if the account is newly charged off or active in XXXX, which is factually inaccurate and damaging to my credit. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.

I respectfully request that the CFPB : 1. Investigate this matter thoroughly ; 2. Require XXXX to correct the charge-off date to reflect XX/XX/XXXX ; XXXX. XXXX XXXX to update all relevant credit bureaus to indicate that this account was closed/charged off in XXXX not in XXXX ; XXXX. Require a written confirmation from XXXX once these corrections have been made. 

Please find attached : A copy of XXXX XX/XX/XXXX payoff letter showing the XXXX charge-off date ; A copy of the XX/XX/XXXX email from their representative stating I had until XX/XX/XXXX to respond ; My same-day email reply, which received no acknowledgment. 

Thank you for your time and assistance. I appreciate your support in correcting this injustice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
All three major credit bureaus ( Experian, Equifax, TransUnion ) report adverse credit information without required written consumer consent under 15 U.S.C. 1666b. When requested to produce written consent documentation, all bureaus failed to provide any authorization. This constitutes systematic industry-wide violation of Fair Credit Billing Act requirements. Federal law mandates written consent before adverse reporting - none of the bureaus have this authority yet all continue unauthorized credit reporting affecting consumer 's credit profile and loan qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All three major credit bureaus ( Experian, Equifax, TransUnion ) report adverse credit information without required written consumer consent under 15 U.S.C. 1666b. When requested to produce written consent documentation, all bureaus failed to provide any authorization. This constitutes systematic industry-wide violation of Fair Credit Billing Act requirements. Federal law mandates written consent before adverse reporting - none of the bureaus have this authority yet all continue unauthorized credit reporting affecting consumer 's credit profile and loan qualifications.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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