vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/XXXX - XXXX  XXXX - BALANCE {$330.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU , STILL ON MY REPORT XX/XX/XXXX - XXXX  XXXX XXXX  - BALANCE {$480.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - GENESIS CONCORA BULLSEYE - BALANCE {$1000.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX XXXX XXXX XXXX XXXX  - BALANCE {$420.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX XXXX XXXX XXXX XXXX - BALANCE {$560.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX XXXX  XXXX XXXX {$880.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX - BALANCE {$92.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX - XXXX {$1.00}, XXXX DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX XXXX  - BALANCE {$1900.00} DISPUTED OWNERSHIP OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX XXXX  XXXX- THIS ACCT HAS BEEN PAID IN FULL, STILL APPEARS " CLOSED '' ON MY REPORT. DISPUTED DIRECLTY WITH CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX THIS ACCT HAS BEEN PAID IN FULL, STILL APPEARS " CLOSED '' ON MY REPORT. DISPUTED DIRECLTY WITH CREDIT BUREAU, STILL ON MY REPORT XX/XX/XXXX - XXXX XXXX XXXX - LATE PAYMENT ON CREDIT FILE DISPUTED THE ACCURACY OF THIS LATE PAYMENT OF THIS ACCOUNT DIRECTLY W/CREDIT BUREAU , STILL ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
On XX/XX/year> a hard inquiry was placed on my credit report without my consent or knowledge. 

On XX/XX/year> a hard inquiry was placed on my credit report without my consent or knowledge. 

I contacted the bank the first time it happened in XXXX and was told that they dont need my consent to run a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-08 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: NV

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 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: TX

Complaint narrative:
I am a victim of identity theft, and I have formally submitted a dispute supported by a completed FTC Identity Theft Report and all required supporting documentation. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are legally required to block and remove all fraudulent accounts within 4 business days of receiving proper notice. I am formally demanding the permanent deletion of the following items from my credit profile : -Any fraudulent accounts and unauthorized inquiries -Any inaccurate or unverifiable personal information.

Enclosed with this request are the following documents : -A copy of my FTC Identity Theft Report -My signed Formal dispute letter -Copies of my government-issued ID, Social Security card, and proof of address.

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 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service International Corp
State: OH

Complaint narrative:
Before I seek legal counsel, I am going to try one last time. I want all communications to cease and desist from the following company, due to harassment.

Credit Service International Corp XXXX : XXXX Email : XXXX Mail : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX I have informed this company with documented proof and a claim that was already previously generated with the CFPB that I qualified for financial hardship regarding my medical bills and yet this company continues to harass me by trying to contact me, via phone calls, in an effort to get me to pay on a medical debt. This is not a refusal to pay, this is be advising, yet again that I qualified for financial hardship and the bills were waived. If this company does not stop, I will sue for damages. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
Someone opened a fraudulent card under my Social Security. They stated that I was a XXXX and used the name XXXX XXXX XXXX. They have since now put this account into collections and it is affecting my credit and my ability to gain employment and get a mortgage.

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 2025-07-08 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: PA

Complaint narrative:
Someone opened a fraudulent card under my Social Security. They stated that I was a XXXX  and used the name XXXX XXXX XXXX. They have since now put this account into collections and it is affecting my credit and my ability to gain employment and get a mortgage.

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 2025-07-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Someone opened a fraudulent card under my Social Security. They stated that I was a XXXX and used the name XXXX XXXX XXXX. They have since now put this account into collections and it is affecting my credit and my ability to gain employment and get a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
please verify all required listings. 15 U.S.C. 1692g ( 2023 ) 1692g. Validation of debts this account is fraudulent and I do not owe Sequium XXXX solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month XXXX Equifax * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month Individual Experian * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month Individual

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month XXXX Equifax * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month Individual Experian * * * XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX 
- XXXX XXXX XX/XX/XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$620.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$620.00} {$620.00} 1 Month Individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX RE : Rights Violation and Improper Repossession Notice Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute and notify you of potential violations of my consumer rights in relation to the repossession of my XXXX XXXX XXXX ( XXXX : XXXX ), associated with the above account number. 
I did not receive any post-repossession notice regarding the disposition of the vehicle as required under UCC 9-611 and Florida Statutes 679.6111. At the time of the repossession, my mailing address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I was not living at any other address, nor was any valid reason presented for failure to send the notice to this location. As such, Capital One Auto Finance failed to make a commercially reasonable effort to ensure notice was received, as required by law. 
This failure constitutes a violation of my due process and statutory rights. The Uniform Commercial Code mandates that secured parties must provide reasonable notice of disposition to the debtor. Without such notice, I was deprived of the opportunity to reclaim or redeem the vehicle or attend the sale. 
Therefore, I am requesting the following : 1. Written confirmation of the date, method, and address of the notice of sale/disposition.

2. An accounting of the deficiency balance, including proceeds received and applied after the sale.

3. Immediate correction and/or removal of any derogatory or negative reporting to the credit bureaus related to this account. 
4. A written explanation as to why notice was not properly provided.

If this issue is not resolved promptly, I reserve the right to pursue all available remedies, including legal action for statutory damages under the UCC and applicable state consumer protection laws.

Please respond to this notice in writing within 15 business days of receipt. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-08 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: TX

Complaint narrative:
The balance for the account XXXX XXXX XXXX XXXX ( Acct # : XXXX ) is being inaccurately reported across all three credit reporting agencies. Each bureau reflects a different balance, and none match the official documentation provided by the creditor, which I have attached for your review. 

Specifically : Experian is reporting a balance of {$15000.00} Equifax and TransUnion are reporting a balance of {$16000.00} However, XXXX XXXX written statement reflects a current balance of {$8700.00} with an additional late fee of {$83.00} This is a significant and unacceptable discrepancy. The reported information is clearly inconsistent and violates the Fair Credit Reporting Act 's requirement for accurate and verifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
The balance for the account XXXX XXXX XXXX XXXX ( Acct # : XXXX ) is being inaccurately reported across all three credit reporting agencies. Each bureau reflects a different balance, and none match the official documentation provided by the creditor, which I have attached for your review. 

Specifically : Experian is reporting a balance of {$15000.00} Equifax and TransUnion are reporting a balance of {$16000.00} However, XXXX XXXX written statement reflects a current balance of {$8700.00} with an additional late fee of {$83.00} This is a significant and unacceptable discrepancy. The reported information is clearly inconsistent and violates the Fair Credit Reporting Act 's requirement for accurate and verifiable reporting.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-08 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: FL

Complaint narrative:
I requested the deletion of accounts that where incorrectly reported. The credit reporting agency is telling me that they are not going to investigate because they believed it was not me who sent the dispute. I want to make clear that, I was the one who sent the dispute to them.

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