vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX  and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I received a billing statement in the mail for a XXXX XXXX XXXX XXXX that I did not apply for. It says it has a {$0.00} balance. update : I called XXXX and they said the account had been opened since XXXX. I went to XXXX XXXX around that time and they pressured me into giving them my credentials to check my credit, according to them. I did not authorize any line of credit and if that had been disclosed to me I would not have authorized it. I do not think I signed anything authorizing a line of credit. Also I remember when I made it clear that I didnt want to buy anything I asked for my credentials back and they stalled for quite a while and another sales person harassed me further. It was like they were holding my stuff hostage. Now I wonder if they were in the back signing me up for this credit card that i didn't ask for. I have also contacted local police and identitytheft.XXXX. After looking into this it appears XXXX/Sterling settled with the CFPB in XXXX for {$11.00} XXXX for signing consumers up for store credit cards without the consumers knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX XXXX XXXX XX/XX/year> Experian Legal XXXX XXXXXXXX XXXX XXXX, tx XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being 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 explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
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 and 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I financed a XXXX XXXX XXXX with Ally Financial in XXXX. I maintained over five years of perfect on-time auto-payments without default. In XX/XX/XXXX, with approximately {$4100.00} remaining on the loan, I experienced my first-ever missed payment. 

Shortly after, Ally disabled my online account portal, blocking my ability to make a payment, view my balance, or access reinstatement terms. I was never provided a way to cure the issue or bring the account current, despite repeated attempts to resolve it. 

On XX/XX/XXXX, Ally repossessed my vehicle at XXXX XXXX, without giving me any opportunity to retrieve personal and business property stored in the vehicle. The truck contained essential landscaping equipment, tools, electronics, and customer records none of which were inventoried, returned, or acknowledged. 

I have repeatedly requested : Reinstatement or payoff terms when my account was blocked Access to my disabled Ally account A full accounting of collateral proceeds from a previously repossessed XXXX  ( which Ally promised would be applied to this loan ) A breakdown of any sale or deficiency balance as required by law Recovery of my personal and business property Ally provided none of this. I was shut out, silenced, and ultimately penalized for trying to resolve my obligation in good faith. Their conduct has directly harmed my business, stolen personal property, and violated my rights under the Uniform Commercial Code and New Jersey consumer protection law. I am now pursuing full civil legal action for wrongful repossession, conversion, and financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am sending this complaint to PORTFOLIO RC regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

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 2025-05-19 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This company in my previous complaint instead of bringing solutions commented that this is the last time we will address this because there are 14 complaints. There are 14 because this company continues to operate in a manner that is inadequate to the lengthy subscript written terms of their credit card. Employees just typing things to satisfy these complaints. Such as saying first it takes 1-3 business days for payments to be applied. Then the next saying 3-5 business days and to the rudest respondent of them all the most recent saying 7-10 days which is mental in modern day finance. I sent a bill payment for XXXX to be received well before the due date of XX/XX/XXXX and it has a received date in their facility of XX/XX/XXXX ( photo attached ). I get a call today XX/XX/XXXX stating I am past due and I explain payments are sent via the mail. This company fails to adequately provide means for repayment their replies are repugnant in nature and lack true understanding of fiduciary responsibility. They say the standard is 7-10 days when that is a cop out and the standard is 3 days or upon delivery as its a bill payment not a charitable donation. I have accounts from actual reputable banks that allow use of an electronic payment system because they are in the business of collecting and not in the business of ruining credit like Prosper. They mention a lawsuit is built based off Credit Reporting but its actually built on their lack of due diligence, false investigations and continued lies in their responses to serious complaints. I have emailed asking for their representatives and I get crickets.

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 2025-05-19 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-19 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: TX

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and XXXX. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-19 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: MI

Complaint narrative:
Re : Formal Dispute and Demand for Immediate Deletion XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter serves as my formal dispute of the XXXX XXXX XXXX tradeline listed on my credit reports under account number # XXXX, reported by your bureau. 
IMMEDIATE ACTION REQUIRED : REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM MY CREDIT FILE TransUnion, Experian, and Equifax OR PROVIDE VERIFIABLE PROOF OF COMPLETE ACCURACY UNDER FEDERAL LAW. 

The following discrepancies, contradictions, and legal violations are documented across the three reports : INACCURACIES : TransUnion Experian Equifax Account Status Indeterminate Indeterminate Indeterminate High Credit {$20000.00} {$20000.00} Missing Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( future ) Date of Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments '' Purchased by another lender '' Blank '' PAID CHARGE OFF '' Payment Status '' Payment after charge-off/collection '' '' Charge-off '' '' Charge-off '' FCRA VIOLATIONS : These conflicting and erroneous entries are in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), including : 1681i ( a ) ( 1 ) ( A ) Right to dispute information and require reinvestigation of inaccurate or incomplete information. 
1681i ( a ) ( 5 ) ( A ) Mandates deletion of information found to be inaccurate or unverifiable. 
1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
1681s-2 ( b ) Obligation of data furnishers to conduct investigations and correct or delete inaccurate information. 

ADDITIONAL ERRORS : Date of Last Activity listed as a future date ( XX/XX/XXXX ) is not only inaccurate but is a material impossibility. 
Conflicting payment statuses and missing critical data ( i.e., high credit, payment histories ) result in misleading, unverifiable, and inconsistent reporting. 
DEMAND : Under my rights as a consumer : I demand the immediate removal of this inaccurate and unverifiable account from all three credit bureaus. 
If you are unable to provide legally sufficient documentation within the XXXX window, you are obligated under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) to permanently delete this account. 

If you continue to report this erroneous account without proper correction or deletion, you will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings for willful and negligent noncompliance under 15 U.S. Code 1681n and 1681o, seeking statutory and punitive damages.

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 2025-05-19 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: MI

Complaint narrative:
Re : Formal Dispute and Demand for Immediate Deletion XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter serves as my formal dispute of the XXXX XXXX XXXX tradeline listed on my credit reports under account number # XXXX, reported by your bureau. 
IMMEDIATE ACTION REQUIRED : REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM MY CREDIT FILE TransUnion, Experian, and Equifax OR PROVIDE VERIFIABLE PROOF OF COMPLETE ACCURACY UNDER FEDERAL LAW. 

The following discrepancies, contradictions, and legal violations are documented across the three reports : INACCURACIES : TransUnion Experian Equifax Account Status Indeterminate Indeterminate Indeterminate High Credit {$20000.00} {$20000.00} Missing Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( future ) Date of Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments '' Purchased by another lender '' Blank '' PAID CHARGE OFF '' Payment Status '' Payment after charge-off/collection '' '' Charge-off '' '' Charge-off '' FCRA VIOLATIONS : These conflicting and erroneous entries are in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), including : 1681i ( a ) ( 1 ) ( A ) Right to dispute information and require reinvestigation of inaccurate or incomplete information. 
1681i ( a ) ( 5 ) ( A ) Mandates deletion of information found to be inaccurate or unverifiable. 
1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
1681s-2 ( b ) Obligation of data furnishers to conduct investigations and correct or delete inaccurate information. 

ADDITIONAL ERRORS : Date of Last Activity listed as a future date ( XX/XX/XXXX ) is not only inaccurate but is a material impossibility. 
Conflicting payment statuses and missing critical data ( i.e., high credit, payment histories ) result in misleading, unverifiable, and inconsistent reporting. 
DEMAND : Under my rights as a consumer : I demand the immediate removal of this inaccurate and unverifiable account from all three credit bureaus. 
If you are unable to provide legally sufficient documentation within the XXXX window, you are obligated under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) to permanently delete this account. 

If you continue to report this erroneous account without proper correction or deletion, you will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings for willful and negligent noncompliance under 15 U.S. Code 1681n and 1681o, seeking statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
the accounts in question should not be reporting on my credit report i have requested the to be removed based on the validations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
the accounts in question should not be reporting on my credit report i have requested the to be removed based on the validations

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
the accounts in question should not be reporting on my credit report i have requested the to be removed based on the validations

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm has locked me out of my account and refuses to unlock my account, even though i called and confirmed my identity. Ive told them multiple times that i just wanted my account unlocked, but they cant do that for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out with my documents explaining how these accounts are not mine.

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