vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 





UNAUTHORIZED INQUIRIES : Experian XXXX FINANCIAL SER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-29 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: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts XXXX have these inaccuracies properly investigated XXXX resolved, no meaningful action has been taken. I have submitted all required documentation XXXX followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship XXXX has significantly affected my well-being. The mental XXXX emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled XXXX  a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify XXXX  rectify these items, as failure XXXX do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: GFS II, LLC
State: MI

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Michigan, in XX/XX/XXXX, along with an extended warranty. 

A few months later, the vehicle suffered catastrophic engine failure. When we attempted to use the warranty, XXXX XXXX denied the claim, citing " lack of maintenance, '' despite the fact that the failure occurred shortly after a scheduled oil change. 

XXXX XXXX, the lender, deferred loan payments to allow my son to pay {$2000.00} out of pocket for a used engine replacement at XXXX XXXX, a mechanic they recommended. Less than XXXX month later, the car became inoperable again. 

An inspection by XXXX XXXX XXXX revealed severe negligence in the engine installation, including missing bolts, bent and pinched lines, coolant leaks, zip-tied wiring harnesses, and improper mounting. Their certified technician declared the vehicle beyond repair, with an estimated repair cost of {$13000.00}, exceeding the vehicle 's value. 

In addition, we have incurred over {$800.00} in diagnostic and storage fees as a direct result of the failed repair. My son has now been without reliable transportation for six of the nine months he has owned the vehicle despite remaining up to date with his payments. 

XXXX XXXX has refused to resolve the matter and is attempting to redirect responsibility solely onto the mechanic, despite facilitating and structuring the repair arrangement. 

We are seeking : Full loan release without negative credit reporting Refund of the {$2000.00} paid for the failed repair Reimbursement or relief from additional fees caused by the improper repair We respectfully request assistance in holding the involved parties accountable and ensuring that my son is not unfairly burdened by the failure of those entrusted to provide warranty coverage and repair services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and 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 explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-29 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: TX

Complaint narrative:
Please review and investigate the accounts that are not completely accurate. I kindly request the immediate removal of all incorrect entries from my credit report.

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 2025-04-29 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: OH

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On every occasion since XXXX of 2024, I am blocked from getting into the Equifax website. The website puts me in a loop that doesn't allow me access XXXX my account. I need XXXX get into the account XXXX  monitor my credit XXXX XXXX dispute an account. I never get past the sign in. It says my password is incorrect. I put in my information it sends me a text, I change the password, put in the new password XXXX it says my password is incorrect. This is a loop that continues even though the password entered is correct. This occurs on whatever computer I utilize including personal, other peoples or public. 
I insist on not being blocked from my personal information XXXX XXXX be able XXXX  dispute with this agency. I have tried XXXX have it corrected several times and it never is. I need XXXX file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-29 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation XXXX transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding Experians failure to process my human trafficking block request and provide the required assistance under the Debt Bondage Repair Act ( DBRA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I contacted Experian and submitted all necessary and legally required documentation to request a block of adverse credit information related to my trafficking experience. Despite multiple calls to Experians designated Human Trafficking Assistance line, I have only been connected to general XXXX XXXX agents who claim they are unable to transfer my calls to a Human Trafficking XXXX. I was repeatedly promised a call back within XXXX hours. As of today, XXXX business days have passed, and I have yet to receive any communication from a Human Trafficking XXXX or a supervisor. 

Additionally, no temporary block has been issued on my credit file within the four-business-day timeframe mandated by law. My repeated daily calls requesting escalation and resolution have been ignored. This is a clear violation of the protections afforded to survivors of human trafficking under federal law, including but not limited to : The Debt Bondage Repair Act ( 15 U.S.C. 1681c-3 ( a ) ), which requires consumer reporting agencies to block adverse information resulting from trafficking once proper documentation is provided. 
The XXXX Human Trafficking Rule, requiring temporary blocking within XXXX business days of receipt of a complete application. 

XXXX failure to process my request, issue a temporary block, or provide meaningful assistance is causing me ongoing harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-29 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:
The following accounts are incorrectly reporting as late payments across TransUnion, XXXX and XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX - Reporting Past Due & Balance : {$0.00} XXXX XXXX These accounts are showing as past due, but there is no valid reason for these entries to be classified as such. Particularly with XXXX, which shows a balance of {$0.00}, there is no financial liability associated with this account, making the " past due '' notation erroneous. These late payment entries likely stem from inaccuracies in data reporting or residual errors in the credit reporting system. It is also likely that these inaccuracies could be due to a data breach, which often results in corrupted or misplaced information being recorded across credit reporting agencies. Under the FCRA, specifically 15 U.S. Code 1681i ( a ), I am entitled to dispute inaccurate or incomplete information, and these late payments do not reflect the true status of the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: RI

Complaint narrative:
XXXX XXXX  placed me in collections after my accident. With the proper documentation stating from my insurance XXXX they would pay XXXX. Before hand XXXX days after the accident the total loss from the insurance company was submitted. They were well aware that this was paid in full and as we speak this was on XX/XX/year> they received confirmation and send me a total loss letter. Still sending me to collections. The adverse effects were total ruin my score fell XXXX points leaving me unable to finance another car. Leaving me in disarray. I have been dedicated to this company for XXXX plus years. Paid 100 % all those years. Left me to fend for myself. Leaving me without transportation. To this day my score is deplorable and it still shows a balance of XXXX and I am XXXX  days behind.

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 2025-04-29 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Calls multiple times a day about missed payment. 

Called after XXXX which is inappropriate. 

I'm unable to make a payment at this time. I need to decrease my other credit card payment amounts.

Company response to consumer: Closed with explanation