vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
XXXX I leased a XXXX. In XXXX it closed and I leased another car and that was closed in XXXX. The reported to the credit bureau in XXXX that I paid about XXXX  years of late payments from XXXX to XXXX on the XXXX lease that was closed in XXXX. The other day they added that I have {$1400.00} in collections on a lease that was closed in XXXX in good standing. I called GM financial, the woman told me they had an internal issue that the are working on. She looked my account and said it was in good standing. I sent a complaint to GM financial. They sent me a message saying they report accurate information but it's not. I'm trying to get a line of credit to repair my house but I can't because of GM financial. They will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXXXXXX * * * * {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * {$75.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$16.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I don't recognize this address, please remove it from my credit report immediately, thank you. 
XXXX XXXX XXXX, XXXX Fl 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 2025-04-15 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am filing this complaint against IC System for reporting XXXX accounts on my credit report without properly validating the debt, as required by federal law. 

On XX/XX/XXXX, I sent IC System a formal debt validation request under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I asked for full documentation proving the debt, including the original contract and a breakdown of the alleged balance. 

IC System never responded. More than 30 days have passed, and they have failed to provide any validation or evidence that I owe the debt. Despite this, they are still reporting the accounts to the credit bureaus ( XXXX XXXX XXXX XXXX ), which is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

The accounts they are reporting are : IC SYSTEM Opened XX/XX/XXXX {$96.00} IC SYSTEM Opened XX/XX/XXXX {$260.00} Because IC System did not respond within the legal timeframe, these accounts are unverified, unvalidated, and must be deleted. I also sent a follow-up notice on XX/XX/XXXX, demanding deletion based on their failure to comply. 

Im requesting that the CFPB investigate IC Systems failure to validate this debt and require them to remove the accounts from my credit reports immediately. Im also seeking enforcement of the FDCPA and FCRA protections to stop them from reporting inaccurate and unverifiable information.

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 2025-04-15 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( TransUnionXXXX XXXX  XXXX XXXX Account Number : XXXX * * * * - Past Due : {$0.00} XXXX XXXX Account Number : XXXX * * * * - Past Due : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * - Past Due : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * - Balance & Past Due : {$0.00} XXXX  - Account Number : XXXX * * * * - Balance & Past Due : {$0.00}

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 2025-04-15 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:
Someone has added an authorized user account to my profile. I have asked several times for it to be removed but only get letters asking me to confirm my identity. I have provided this information on 3 separate occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : XXXX XXXX ( TransUnion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$15000.00}

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 2025-04-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Dispute of Unauthorized Charges Violation of XXXX Code Title XXXX Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute unauthorized charges and improper interest fees on my credit card account with [ Discover bank ], account number ending in XXXX Despite my efforts to resolve this matter directly with the credit card issuer, they have failed to provide a satisfactory resolution. since XXXX of XXXX I am now requesting the CFPBs intervention to ensure compliance with federal consumer protection laws. Disputed Charges & Legal Violations 1. Unauthorized Charges Violation of 15 U.S.C. 1643 * I have been wrongfully billed for transactions that I did not authorize. Under 15 U.S.C. 1643, my liability for unauthorized transactions is limited to {$50.00}, provided I reported the unauthorized use promptly. However, [ Credit Card XXXX ] has refused to remove these fraudulent charges despite my dispute. XXXX. Improper Interest Charges Violation of 15 U.S.C. 1666-1666j ( Fair Credit Billing Act ) * I was charged interest and/or fees that I do not owe. Under the Fair Credit Billing Act ( 15 U.S.C. 1666-1666j ), I have the right to dispute billing errors, and the credit card issuer is required to investigate and correct any inaccuracies. However, my attempts to dispute these charges have been ignored or dismissed without proper investigation. 3. Failure to Provide Clear Disclosure Violation of 15 U.S.C. 1601 et seq. ( Truth in Lending Act ) * The credit card issuer has failed to clearly disclose the basis for the interest charges in compliance with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). I was not provided with a detailed explanation or justification for the assessed charges. Steps Taken to Resolve the Issue * I contacted [ discover bank ] on [ XX/XX/XXXX ] via [ phone ], and they responded [ briefly describe response or lack thereof ]. * I submitted a formal written dispute on [ XX/XX/XXXX ], but [ explain outcome or if they ignored your request ]. * Despite my efforts, [ discover bank ] continues to bill me incorrectly, in violation of federal law. Requested XXXX I request that the CFPB : XXXX. Investigate the unauthorized charges and improper interest fees. XXXX. Require [ discover bank ] to comply with 15 U.S.C. 1643 and limit my liability for unauthorized transactions. 3. Enforce my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666-1666j ) by ensuring the credit card issuer properly investigates and corrects the errors. 4. Ensure that [ discover bank ] provides clear disclosures as mandated by the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I reached out to this company over 2 years ago, to close account. 
Had to visit the merchant in person, while closing the account representative opened another account under my name without my knowledge. 
I called XXXX on XX/XX/year>, which they stated they could see another account open the day I closed my original account. 
Even though they can see i closed my account in the system, they will not remove this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I'm still very concerned that my credit report includes inaccurate and incomplete information. Despite multiple efforts to resolve this, the issues remain and are unfairly impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing a formal complaint against the three major credit reporting agencies-Experian, Equifax, and TransUnion-for furnishing and verifying inaccurate information regarding a XXXX XXXX bankruptcy that was voluntarily dismissed. 
The bankruptcy in question was filed on XX/XX/XXXX, and voluntarily dismissed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX for the District of Oregon. Despite the dismissal, this bankruptcy continues to be reported on my credit reports with no verified proof I am the owner in question from the court. 
After submitting disputes, I was informed that the bureaus verified the bankruptcy using third-party data providers such as XXXX and XXXX XXXX XXXX XXXX XXXX However, these entities are not the original source of the record. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681i, all information reported must be accurately and independently verified. The only entity with the legal authority to verify a bankruptcy filing or dismissal is the bankruptcy court itself. 
By relying on data aggregators and not the court, the credit bureaus have violated their obligations under the FCRA. This has resulted in the ongoing inaccurate reporting of a dismissed and mistakenly filed bankruptcy, which is harming my creditworthiness and causing undue financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am filing a formal complaint against the three major credit reporting agencies-Experian, Equifax, and TransUnion-for furnishing and verifying inaccurate information regarding a XXXX XXXX bankruptcy that was voluntarily dismissed. 
The bankruptcy in question was filed on XX/XX/XXXX, and voluntarily dismissed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX for the District of Oregon. Despite the dismissal, this bankruptcy continues to be reported on my credit reports with no verified proof I am the owner in question from the court. 
After submitting disputes, I was informed that the bureaus verified the bankruptcy using third-party data providers such as XXXX and XXXX XXXX XXXX XXXX XXXX However, these entities are not the original source of the record. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681i, all information reported must be accurately and independently verified. The only entity with the legal authority to verify a bankruptcy filing or dismissal is the bankruptcy court itself. 
By relying on data aggregators and not the court, the credit bureaus have violated their obligations under the FCRA. This has resulted in the ongoing inaccurate reporting of a dismissed and mistakenly filed bankruptcy, which is harming my creditworthiness and causing undue financial distress.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing to formally dispute the charge-off status reported on my auto lease account # * XXXX Per the official lease-end inspection, I incurred {$0.00} in excess wear and tear and {$0.00} in excess mileage charges. However, I never received a final invoice for the {$450.00} disposition fee, nor was I notified of any outstanding balance or given an opportunity to pay it before the account was reported as charged off. This lack of communication is deeply concerning and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as I was not given a chance to resolve the balance or dispute the charge prior to the negative reporting. I respectfully request : 1. A full copy of the final invoice, including disposition fee details ; 2. Removal or correction of any negative credit reporting associated with this lease, as the charge-off appears premature and unsupported ; 3. Written confirmation of my current account balance and status. Please consider this letter a formal dispute under the FCRA and Fair Credit Billing Act. I request a written response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
XXXX was repossessed and they later sold the car and I still have a balance on the same car they sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash App needs to make an option to CANCEL A TRANSACTION!!! Or to at least put it on hold. 

I was scammed by a fraudulent mobile mechanic. I paid him {$320.00} and he did NOT come complete the job. He has blocked me from all forms of communication and will not respond to my request for a refund. Cash App NEVER helps with disputes, ever. I want my money back. I have proof that he never completed the job and then blocked me. Why should scammers be able to keep peoples hard earned money?!? I already contacted XXXX XXXX and my police department. They said it has to be reversed on Cash Apps end. I want my refund and then I will never be using CashApp again. Transaction # # XXXX

Company response to consumer: Closed with explanation