vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX * * - XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX * * * * - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} Inquiries : 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
GM Financial has willfully and negligently reported false, misleading, and inaccurate information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

Timeline of Violations : On or about XX/XX/year>, I submitted my first dispute with supporting documentation. GM Financial updated the account with misleading remarks instead of correcting errors. 
On or about XX/XX/year>, I submitted a second dispute. GM Financial again altered the balance and payment history to create the false appearance of recent activity. 
On or about XX/XX/year>, after requesting an update, GM Financial once more changed the reporting without properly investigating, further violating my rights. 

FCRA Violations : Illegal re-aging of the account in violation of FCRA 605 ( c ).

Reporting false balances, fabricated payment histories, and misleading remarks, in violation of 607 ( b ) ( failure to ensure maximum possible accuracy ).

Failing to conduct a proper and lawful reinvestigation, as required under 611.

FDCPA Violations : False representation of the character, amount, or legal status of the debt in violation of FDCPA 807 ( 2 ) ( A ). 
Engaging in deceptive and unfair reporting practices that mislead creditors and third parties, in violation of 807 and 808.

Despite multiple disputes and supporting documentation, GM Financial has chosen to update the account with false and misleading information instead of correcting or removing it. This pattern demonstrates deliberate disregard for federal law and consumer rights. 

I have also filed a complaint with the Wisconsin Attorney General regarding this matter. 

I am demanding a manual investigation, removal of all inaccurate reporting, and full compliance with the FCRA and FDCPA. Continued violations will leave me no choice but to escalate this matter through additional legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: WA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-16 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: WA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-16 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: Tarpon Financial Corporation
State: GA

Complaint narrative:
This vehicle loan with TARPON FINANCIAL is reporting on my XXXX  account as closed derogatory and is negatively affecting my credit score. This vehicle was voluntarily surrendered XX/XX/XXXX and positively paid the balance was XXXX. The car was resold 2weeks after I gave it back to the lot XXXX XXXX XXXX XXXX. The new owner totaled the vehicle. The vehicle was a XXXX XXXX XXXX with engine problems which is why it was given back to the lot. The computer chip connected to the engine cause the car to be uncontrollable and unsafe. The new owner totaled the car and XXXX called me because I was listed as an owner. Which was not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-16 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX * * * * - XXXX - XX/XX/XXXX - {$3700.00} XXXX * * * * - EXXXX XXXX XXXXXX/XX/XXXX - {$4800.00} XXXX * * * * - XXXX XXXX  XX/XX/XXXX - {$2300.00} XXXX * * * * - XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX * * * * - XXXX XXXX XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-16 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 XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX * * * * - XXXX - XX/XX/XXXX - {$3700.00} XXXX * * * * - EXXXX XXXX XXXXXX/XX/XXXX - {$4800.00} XXXX * * * * - XXXX XXXX  XX/XX/XXXX - {$2300.00} XXXX * * * * - XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX * * * * - XXXX XXXX XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
I sent a payment of {$20.00} to a family member on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX. About XXXX mins later I received an email stating my account was closed due to fraud. I reached out to support and was told I violated terms. I then asked what terms did I violate and was told NOTHING. I did not do any fraud this account is used to send/receive money from friends and family. I also use the borrow feature and I owe but can not pay due to my account being closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-16 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$0.00}

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 2025-08-16 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-16 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2025, a hard inquiry from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IA XXXX ) was placed on my Equifax credit file. I never applied for credit, services, or gave consent for this inquiry. 

Violations & Concerns : This inquiry violates the FCRA ( 15 U.S.C. 1681b ) because it was made without a permissible purpose.

Equifax has a duty under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed items.

The presence of this inquiry is damaging my credit standing.

Actions Taken : I filed an FTC Identity Theft Report documenting this unauthorized inquiry.

I sent a formal dispute letter to Equifax demanding deletion of this inquiry and requesting confirmation.

Requested Resolution : Immediate removal of the unauthorized inquiry from my Equifax report.

Confirmation that Equifax has completed its reinvestigation in compliance with FCRA timelines. 

Enforcement of my rights under the FCRA to ensure accuracy and fairness in my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$1300.00} XXXX XXXX * * * * Balance {$520.00} XXXX  XXXX * * * * Balance {$0.00} XXXX  XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * balance {$370.00}

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