vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report despite multiple attempts. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress, and as a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Fundo LLC
State: GA

Complaint narrative:
I did receive the settlement agreement from Fundo on XX/XX/year>, but I have been calling to explain to them that I can not afford to pay the full {$1100.00} due today. Ive been trying to reach them for the past two days to ask for a short extension or modified plan and have not gotten any response despite leaving several voicemails and calling multiple times. 

I am not trying to avoid payment. Im actively trying to work out a solution but have been ignored, even with the due date here. This should not be considered fully resolved if the company refuses to communicate with me in good faith. 

I want to rectify this but its caused me to fall into even harder times than I already was, I am now at risk of repossession on my car because I cant pay any of my bills. I cant earn any money anymore. My entire life just fell apart in the blink of an eye.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the credit reporting agencies for failing to comply with federal law regarding identity theft disputes. 

On XX/XX/year>, I submitted an identity theft report to each of the XXXX major credit reporting agencies, along with proper identification and documentation identifying the fraudulent accounts. In accordance with the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX, the agencies are required to block the reporting of any information resulting from identity theft within XXXX business days of receiving : Proof of the consumers identity, A copy of an identity theft report filed with a law enforcement agency, and A clear identification of the fraudulent information to be blocked. 
Despite meeting all of these requirements and providing detailed evidence, some of the agencies have responded with stall letters or have taken no meaningful action to block or delete the accounts in question. It has now been well over the XXXX business days required by law, and the fraudulent information remains on my credit file. 

This is a clear violation of the FCRA and has caused ongoing harm to my credit profile. I respectfully request that the Consumer Financial Protection Bureau take immediate action to enforce compliance and ensure that the fraudulent accounts are permanently removed from all three credit reports without delay. 

I am attaching copies of my original submissions for reference, including my identity theft report, proof of identity, and the list of fraudulent items. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am submitting this complaint against the credit reporting agencies for failing to comply with federal law regarding identity theft disputes. 

On XX/XX/year>, I submitted an identity theft report to each of the XXXX major credit reporting agencies, along with proper identification and documentation identifying the fraudulent accounts. In accordance with the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX, the agencies are required to block the reporting of any information resulting from identity theft within XXXX business days of receiving : Proof of the consumers identity, A copy of an identity theft report filed with a law enforcement agency, and A clear identification of the fraudulent information to be blocked. 
Despite meeting all of these requirements and providing detailed evidence, some of the agencies have responded with stall letters or have taken no meaningful action to block or delete the accounts in question. It has now been well over the XXXX business days required by law, and the fraudulent information remains on my credit file. 

This is a clear violation of the FCRA and has caused ongoing harm to my credit profile. I respectfully request that the Consumer Financial Protection Bureau take immediate action to enforce compliance and ensure that the fraudulent accounts are permanently removed from all three credit reports without delay. 

I am attaching copies of my original submissions for reference, including my identity theft report, proof of identity, and the list of fraudulent items. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
XXXX - XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX  - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
XXXX - XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX  - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - 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 2025-07-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} INQUIRIES : XXXX  FINANCIAL Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XX/XX/XXXXXXXX FINANCE Date : XX/XX/XXXX XXXX  XXXX FINANCE Date : XX/XX/XXXX XXXX  XXXX NA Date : XX/XX/XXXX XXXX  XXXX AUTO FIN Date : XX/XX/XXXX XX/XX/XXXX SERVICE Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  FINANC Date : 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 explanation
Consumer complaint received 2025-07-14 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:
Description of the issue : I am filing this complaint against Equifax regarding inaccurate reporting on my credit report. 
As shown in the attached screenshot from my Equifax credit report dated XX/XX/year>, there is an installment account tradeline reported by XXXX  XXXX XXXX ( Account number ending in XXXX ). 
Equifax is inaccurately reporting my payment history for XXXX. Specifically, for the months of XXXX, XXXX, and XX/XX/year>, the report fails to reflect that payments were made on time. Instead, it shows blank or missing statuses, which misrepresents my payment behavior and negatively impacts my credit profile. 
Details from my report : Original Loan Amount : {$44000.00} Amount Paid : {$12000.00} Remaining Balance : {$32000.00} Bank XXXX XXXX Account XXXX XXXX : XXXX Date of Report : XX/XX/year> Equifax Credit Report Date : XX/XX/year> According to my records and supporting documentation, all payments for these months were made on time, and there were no delinquencies. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to report information accurately and to promptly correct or delete any incomplete or inaccurate information in a consumers credit file. Specifically : XXXX XXXX. XXXX ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX. XXXX ( a ) : Mandates that a credit reporting agency conduct a reasonable reinvestigation if a consumer disputes the accuracy of information, and promptly delete or modify any information found to be inaccurate or unverifiable. 
XXXX XXXX. XXXX ( a ) : Prohibits obsolete or inaccurate information from being included in a consumer report. 
Furthermore, on XX/XX/year>, the CFPB issued a {$25.00} XXXX fine against major credit bureaus ( including Equifax ) for repeated failures to comply with accuracy and correction obligations under the FCRA, highlighting the importance of strict adherence to these requirements. 
XXXX sought : XXXX deletion of the XXXX XXXX XXXX XXXX tradeline ( ending in XXXX ) from my Equifax credit report. 
Written confirmation that the inaccurate information has been removed and my credit report has been corrected. 
Supporting documentation : I have attached a screenshot ( titled " XXXX XXXX at XXXX AM.png '' ) clearly showing the missing paid on time statuses for XXXX, XXXX, and XX/XX/year>. 
I respectfully request a thorough investigation into this matter and a resolution in compliance with the FCRA. 
Thank you for your prompt attention to this complaint. 
Attachments : XXXX XXXX at XXXX AM.png

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
My vehicle was repossessed by Byrider on or around XX/XX/XXXX but I have not received any required notices or documentation since that time. I have not been informed of the reason for the repossession, where my vehicle is being stored, how I can retrieve it, or what my rights are under Illinois law. 

I have contacted the lender multiple times by phone and was told they have no information regarding the repossession. I have not received : - Written notice of the repossession within 3 business days - An Affidavit of Defense, as required under Illinois law - A notice of my right to reinstate or redeem the loan - Any information about retrieving personal property from the vehicle I am concerned that the lender and/or repossession agency may be in violation of both Illinois consumer protection laws and federal debt collection or credit reporting regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am filing a complaint about a late payment reported by XXXX XXXX on my auto loan. 
The payment in question was not for the full car payment it was only {$110.00}, due to a split-payment mistake I made. I believed the full payment was made, but the final {$110.00} portion was submitted the XXXX day on the due date. 
Ally marked this as a late payment because it was submitted after their internal XXXX XXXX XXXX cutoff, which I was never informed about. I paid because the woman I spoke with said I was ok as long as I paid that day and it wouldnt be reported late believing I was still within the window. 
As a result, my credit score dropped over XXXX points, and this is now hurting my ability to qualify for a mortgage, which I am actively working on. 
I contacted XXXX and requested a goodwill adjustment, and was told a request was submitted internally but I have not received any resolution. 
I am asking the CFPB for help in having this late payment removed or amended, especially since the amount was only {$110.00}, not the full car payment, and I acted quickly to correct the situation. I also have been on time and never late before it was a honest misunderstanding I believe this reporting is unfair given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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