vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-25 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 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : CXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments on my account with GM FINANCIAL ( ACCT. NO. XXXX ). The reported delinquencies are false, misleading, and have no factual basis. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including 1681s-2, which requires furnishers of information to report data with accuracy and integrity. Furnishers are prohibited from knowingly or negligently transmitting inaccurate information to consumer reporting agencies, and the continued presence of these false late payments reflects willful noncompliance with federal law. 

As a furnisher of consumer credit information, GM FINANCIAL has a legal obligation under FCRA 1681s-2 ( a ) ( 1 ) ( A ) to provide information that is complete and accurate. Reporting late payments that never occurred directly undermines this requirement and results in material harm to my creditworthiness. Furthermore, under FCRA 1681s-2 ( b ), once notified of a dispute, a furnisher must conduct a reasonable investigation, review all relevant information, and correct or delete inaccurate or unverifiable information. The failure to take corrective action following such notice subjects GM FINANCIAL to civil liability under federal law. 

I demand that GM FINANCIAL immediately reinvestigate this matter and provide documented verification of the alleged late payments. If GM FINANCIAL can not produce verifiable records demonstrating the validity of the reported delinquencies, these false entries must be retracted without delay. Furnishers can not rely on automated reporting systems or unverifiable data to justify continued reporting of negative information. Any failure to investigate thoroughly or correct inaccurate reporting will be considered willful disregard of my rights under the FCRA. 

Be advised that continued misreporting exposes GM FINANCIAL to civil liability under FCRA 1681n and 1681o. This includes actual damages, statutory damages, punitive damages, and recovery of attorneys fees. If immediate corrective action is not taken, I will escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 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: PR

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with TransUnion and provided two official FTC Identity Theft Reports ( Report Numbers : XXXX and XXXX ), in full compliance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). This federal law requires that any information identified as fraudulent must be blocked within four ( 4 ) business days. 

Despite submitting all legally required documentation including identification of the fraudulent accounts ( XXXX - XXXX and XXXX - XXXX ), supporting evidence, and a formal written blocking request TransUnion has completely failed to comply. More than 30 days have passed, and these accounts remain active on my credit file. 

This inaction constitutes direct violations of federal law, specifically : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Mandatory blocking within 4 business days upon receipt of an FTC report . 

FCRA Section 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information thoroughly. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Obligation to ensure maximum possible accuracy. 

TransUnions noncompliance has caused me serious and measurable harm, including : Financial harm : lower credit score, repeated credit denials, higher interest rates, and inability to refinance. 

Personal and professional harm : denial of housing, increased insurance costs, stress, and negative impact on employment opportunities.

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I received a check in the mail from my title company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that was paid to the order of XXXX XXXX ( credit card payment ) on behalf of myself. 

XX/XX/XXXX XXXX mailed the check from my local U.S. post office located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX USPS Tracking number : XXXX XX/XX/XXXX Check reached destination USPS website states : Your item was picked up at XXXX XXXX XXXX XXXX at XXXX XXXX  on XX/XX/XXXX in XXXX, IL XXXX by US BANK XXXX. The item was signed for by XXXX XXXX. 

XX/XX/XXXX I called XXXX. They said they never received it. I then call US BANK they said to contact the original check issuer. My title company told me that the check was CASHED on XX/XX/XXXX. 

I am confused and would like to report lost/stolen check. 
the check number is 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 2025-08-25 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-25 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: TX

Complaint narrative:
On XX/XX/year>, I received a written notice from Experian regarding my dispute of an account with XXXX XXXX XXXX Their letter stated that the account has not been changed and will remain on your credit report. 

However, when I reviewed my updated credit report on XX/XX/year>, this account had been deleted. 
This proves Experian first claimed the account was verified, then deleted it only days later. 

This is evidence of Experians failure to maintain reasonable procedures to assure maximum possible accuracy ( FCRA 607 ( b ) ) and to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ). 
If the account was unverifiable and deleted, Experian should not have previously represented it as verified. 

Further, XXXX XXXX XXXX continues to report derogatory history on the account despite admitting it was sold to XXXX XXXX XXXX 
This is duplicate and inaccurate reporting, which misleads creditors and violates FCRA 623 ( a ) ( 1 ) ( A ). 

Attachment 1 Experian Response ( XX/XX/year> ) Attachment 2 Credit Report ( XX/XX/year> ) Requested Resolution : 1. Delete the XXXX XXXX XXXX tradeline in its entirety. 
2. Provide a written explanation of Experians reinvestigation procedures that led to contradictory outcomes. 
3. Confirm XXXX XXXX will not be reinserted without compliance with FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am reporting an unauthorized hard inquiry that was added to my Equifax credit report without my knowledge or permission. The inquiry is from XXXX and was reported on XXXX. I did not apply for credit with this company, and I never gave authorization for them to access my credit report. This inquiry was made without a permissible purpose as defined under 15 U.S.C. 1681b, and its inclusion is a violation of the Fair Credit Reporting Act. This is not a dispute about account ownership. It is about unauthorized access to my consumer file. In XXXX XXXX XXXX, the court ruled that failure to remove unverifiable inquiries qualifies as willful noncompliance under 15 U.S.C. 1681n. Equifaxs reporting of this inquiry, without any consent or verification, is unlawful and harmful to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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 requesting the deletion of these unauthorized accounts from my credit report, as I did not authorize their creation and had no knowledge of them. In compliance with USC 1681g, please remove them within 15 days. Supporting documents are enclosed.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I rejoined XXXX XXXX  after my PPBI  account was compromised and a {$960.00} check was altered, but I couldnt afford the {$15.00} to notarize the complaint. 

Bank staff treated me with suspicion and claimed secure messages didnt exist, even saying over the phone theyd delete them. 

Ive faced violations of XXXX XXXX and endured 8 months of displacement in XXXX XXXX, which disrupted my education and access to vital services. 

XXXX defaulted on a vehicle settlement that took 3 years and XXXX court cases, and I still havent received the promised relief. 

Thank you for listeningI hope your day is peaceful and everything you need it to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation