vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
b"I want to dispute these accounts   because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges.  I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit reportXXXX 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 2025-12-28 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: FL

Complaint narrative:
I am filing this formal complaint because my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). I have identified multiple accounts and personal data being reported without my express authorization or verifiable consent, which is a violation of 15 U.S. Code 1681b. Specifically, I am disputing the following accounts : XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX  with {$5000.00} balance ), XXXXXXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX with {$0.00} balance ), and XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my previous efforts, the credit bureaus have used stall tactics to avoid their legal obligations, even claiming official documents were " not acceptable ''. I have now generated an updated Official FTC Identity Theft Report, reference number XXXX, to support my demand for an immediate fraud block. Pursuant to 15 U.S.C. 1681c-2, you are required to block this information within 4 business days. I request the CFPB to intervene and ensure these unauthorized accounts are deleted and my personal information is corrected to reflect only my legal name XXXX XXXX and my current address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inaccuracies that I have identified on my credit report with the three major credit bureaus : Equifax ( XXXX ), Please review and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$80.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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 XXXXXXXX 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 2025-12-28 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX 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 2025-12-28 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple hard inquiries appearing on my credit report that were not authorized by me. I did not apply for credit with these companies and did not give permission for my credit report to be accessed.

Despite disputing these inquiries with the credit reporting agencies, they continue to be reported without documentation showing permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

These inquiries appear to be part of a pattern of unauthorized access associated with identity theft. The companies involved have not provided proof of authorization, signed applications, or evidence of consumer consent.

I am requesting that all unauthorized inquiries be removed unless the companies can provide proper documentation demonstrating permissible purpose.

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 2025-12-28 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple hard inquiries appearing on my credit report that were not authorized by me. I did not apply for credit with these companies and did not give permission for my credit report to be accessed.

Despite disputing these inquiries with the credit reporting agencies, they continue to be reported without documentation showing permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

These inquiries appear to be part of a pattern of unauthorized access associated with identity theft. The companies involved have not provided proof of authorization, signed applications, or evidence of consumer consent.

I am requesting that all unauthorized inquiries be removed unless the companies can provide proper documentation demonstrating permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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> I reviewed my credit reports from multiple credit reporting agencies and identified inaccurate, incomplete, and inconsistent information being reported. accounts not belonging to me, incorrect balances, incorrect payment history, duplicate accounts, or outdated information I formally disputed this information with each credit reporting agency through online dispute, and provided all required information to support my dispute. Despite these disputes, the agencies failed to conduct a reasonable investigation/ did not respond within the required timeframe. the inaccurate information continues to be reported, negatively affecting my credit file. I believe the credit reporting agencies failed to conduct a reasonable reinvestigation and failed to ensure maximum possible accuracy of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
On XX/XX/year> I reviewed my credit reports from multiple credit reporting agencies and identified inaccurate, incomplete, and inconsistent information being reported. accounts not belonging to me, incorrect balances, incorrect payment history, duplicate accounts, or outdated information I formally disputed this information with each credit reporting agency through online dispute, and provided all required information to support my dispute. Despite these disputes, the agencies failed to conduct a reasonable investigation/ did not respond within the required timeframe. the inaccurate information continues to be reported, negatively affecting my credit file. I believe the credit reporting agencies failed to conduct a reasonable reinvestigation and failed to ensure maximum possible accuracy of the information being reported.

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 2025-12-28 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off Accounts I dispute the following accounts : XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$580.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$3500.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$430.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$3500.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$220.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX , balance {$990.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX , balance {$1200.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$1700.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$160.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$700.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$130.00} ) I request TransUnion verify all accounts and remove or correct any inaccurate or 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 2025-12-28 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 writing to dispute the following accounts that appear on my credit report. The information provided below is accurate to the best of my knowledge. I request that you investigate these accounts and correct any discrepancies found. 

INQUIRIES XXXX XXXX  XXXX XXXX, LATE PAYMENT XXXX XXXX XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
b'I am a consumer seeking to correct inaccurate information on my credit reports to ensure that my credit history accurately reflects my financial activity.\n\nAccounts in Dispute  Charged Off:XXXX XXXX  Account: XXXX XXXX XXXX XXXX  Opened: XXXX  Amount: $XXXX\n\nAddress Discrepancy:\nThe previous address listed as:XXXX XXXX XXXX XXXX XXXX XXXXShould be corrected to:XXXX XXXX XXXX XXXX XXXXRequest: I request Equifax to verify this account and correct any inaccuracies regarding the account status or balance. Update my address to the correct information.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to access my experian account I can not do so because I lost my phone number on file. I can not even reach a human to reset the XXXX phone number on file and I cant log in to my account to update the number because I dont have the number on file when I call customer service I get the runaround from ai and told that because I dont have a paid membership I cant speak to a human.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial is reporting a repossession and an alleged outstanding balance on my consumer credit report without providing the documentation required to substantiate such reporting. The account reflects timely payments through XX/XX/year>. Beginning XX/XX/year>, Ally abruptly reported severe delinquency and subsequently a repossession, despite never producing evidence of compliance with required notice, sale, or accounting procedures. 

Ally Financial continues to report a balance that increased beyond the original loan amount and was updated as recently as XX/XX/year>. A repossessed and sold vehicle can not lawfully result in a fluctuating or increasing balance absent documented proof of the vehicles sale, the sale price obtained, the application of proceeds, and a properly calculated deficiency balance. No such documentation has ever been provided. 

Despite multiple disputes, Ally Financial has failed to produce a complete payment history and ledger, proof of vehicle sale, deficiency calculations, proof of ownership of the alleged debt, or the XXXX of XXXX relied upon to report this information. Merely asserting that the account was reviewed, verified, or updated does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation under 15 U.S.C. 1681s-2 and 1681i.

Credit reporting agencies have accepted Ally Financials unsupported assertions without disclosure of the method of verification, as evidenced by the notation completed investigation consumer disagrees. This confirms that no documentary evidence was provided to the consumer, and that the investigation relied solely on furnisher representations. 

Ally Financials continued reporting of this account without substantiating documentation constitutes inaccurate and unverified credit reporting. Accordingly, Ally Financial must be required to either ( 1 ) produce complete documentary proof supporting the repossession, sale, and alleged balance, including the method of verification used, or ( 2 ) delete the account in its entirety due to failure to meet federal investigation and accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Accounts in Dispute ( Charged Off ) : XXXX XXXX XXXX XXXX Account ending XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00} XXXX XXXX XXXX XXXX Account ending XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00} XXXX XXXX XXXX Account ending XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00} Issue Summary : I am disputing the accuracy and reporting of the above charged-off accounts. These accounts are being reported with inconsistent or incomplete information. Some may be obsolete due to age and should no longer appear on my credit file. I request Equifax to verify each account for accuracy, completeness, and compliance with FCRA reporting time limits. If verification can not be provided, please delete these accounts from my report.

Inquiries : No disputed inquiries at this time.

Late Payments : No late payment disputes with Equifax at this time.

Positive Accounts : No issues with positive accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Leased XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX. Paid off lease XX/XX/XXXX and received lease payoff letter but no title. Went to renew registration XX/XX/XXXX had to spend hours emailing and eventually received registration from DMV but still no title. Same issue in XX/XX/XXXX and I engaged a third party company to help and to date in spite of multiple calls have not received the required notarized, signed DMV forms XXXX or lien satisfaction , and XXXX transfer title. Over 2 years and sick and tired of getting incompetent service representatives that promise to send forms that never come

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