vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to challenge multiple unauthorized accounts that are appearing on my credit report. I had no involvement in opening these accounts and was not aware of them until reviewing my credit file. I believe I have been targeted by identity theft, and these accounts are not a valid reflection of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
am filing this complaint against GM Financial due to improper credit reporting, excessive and unjustified loan fees, and refusal to provide a vehicle payoff quote when requested. I previously paid {$1800.00} to retrieve my vehicle after it was repossessed. Shortly afterward, the XXXX XXXX XXXX ( XXXX ) seized the car over unrelated city tickets. I paid an additional {$1100.00} to remove the boot. 

While the car was still in my possession on XX/XX/year>, I contacted GM Financial XXXX times requesting a full payoff amount. I was denied. I believe this was intentional, as the payoff was approx. {$15000.00} and XXXX stands to earn nearly double that over the loan term due to the XXXX XXXX APR. 

GM Financial continued charging fees and reporting me as XXXX days delinquent, even though I was making good faith efforts to resolve the account. Additionally, I filed a report with XXXX regarding the vehicle unexpectedly stopping during operation. GM Financial has ignored this entirely. 

I am requesting removal or correction of the derogatory marks, a review of denied payoff access, and a reassessment of fees and interest added while I was unable to access the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MS

Complaint narrative:
Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Accounts in Question : CXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I am requesting that you provide the names and business addresses of each individual with whom you verified the information in question. Please also send me an updated copy of my credit report after your reinvestigation is complete.

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 2025-06-25 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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: Momnt Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX ( Salesperson was XXXX ) came out to my residence to provide information on installing gutter guards. The price that I was quoted was {$3900.00}, with financing through Momnt. The ran my credit and it was approved, however, I rescinded the contract within 3 days under the Georgia law, in writing notifying both the salesperson and the manager. I also provided the letter of rescission to Momnt. For two years now, I have repeatedly contacted Momnt in an effort to get them to remove the item from my credit report. I never received any services from XXXX XXXX and they never installed any gutter guards on my house. I actually had another company that put the gutter guards on my house, and I have the invoice to show that. In addition, to seeing this item on my credit report for the past 2 years, Momnt is also showing interest with a current balance of {$4400.00}. Every time I file a dispute, they come back and show the account as suspended, but it is still on my credit report, and I do not owe Momnt or XXXX XXXX, because I rescinded the contract. The status is still showing as open/never late, but it should not be on my credit report. It shows that it is in forbearance, but again it should not be on my credit report. During one of my conversations with Momnt, they claimed they disbursed the money to XXXX XXXX and have been unsuccessful in getting them to response. My response to them was that's between Momnt and XXXX XXXX and has nothing to do with me because I rescinded the contract within the timeframe allowed and I did not receive any services from XXXX XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/year> I was alerted that I tried to open a bank account in which I did not. I had called the bank to report this was fraudulent and that I had never requested to open account from this financial institution. On XX/XX/XXXX I had recieved a letter for denial for credit card that I had also not applied for with the very same bank. I have had a credit freeze on my credit for many years due to having identity theft many years ago, and I had never even got phone call like normal to verify if I was applying for new line of credit. So I am not sure how they got around the credit freeze to even be able to apply. XXXX XXXX XXXX  did say they closed the bank account as soon as I had called to say it was not me that applied. Somehow the person who did this, it was still linked to my personal email, but they had added new, and my phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 XXXX 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 2025-06-25 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: CBC Companies, Inc.
State: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate, unverifiable, and undocumented information currently listed on my credit report. This includes personal data errors, inquiries, and any accounts that lack complete, factual, and verifiable documentation. As per my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, I am requesting immediate investigation and correction. 

The following personal information must be corrected or deleted : Employer : XXXX XXXX XXXX XXXX  : XXXX XXXX  Incorrect DOB : XX/XX/year> Incorrect Previous Address : XXXX XXXX XXXX  XXXX XXXX, NJ XXXX The following inquiries are being challenged due to lack of permissible purpose and proper authorization 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 Under FCRA 611 [ 15 U.S.C. 1681i ], I request that you provide physical, verifiable documentation validating the existence of each inquiry and the permissible purpose for accessing my file. If no such evidence exists, these items must be permanently deleted.

Additionally, as outlined in FCRA 611 ( a ) ( 5 ) ( B ), any item previously deleted from my report can not be reinserted without proper written notification to me within five business days. To date, I have received no such notice regarding any reinserted items. This is a direct violation of my consumer rights.

I further demand a notarized affidavit from a party with first-hand knowledge of the alleged account or inquiry. This affidavit must confirm : The debt was legally incurred It was not disputed It was not used as a tax deduction It was not charged off or claimed as a loss with any insuring entity The reporting follows XXXX XXXX format guidelines If you can not fully validate each claim and inquiry, you must delete them from my file immediately. 

Failure to comply will be considered willful non-compliance under FCRA 616 and 617 and may subject your agency to legal action. Any attempt to continue reporting unverifiable or fraudulent data will also be treated as harassment and possible extortion under applicable state laws. 

You are hereby authorized and instructed to mail physical documentation of your investigation, findings, and an updated credit report directly to me.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate, unverifiable, and undocumented information currently listed on my credit report. This includes personal data errors, inquiries, and any accounts that lack complete, factual, and verifiable documentation. As per my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, I am requesting immediate investigation and correction. 

The following personal information must be corrected or deleted : Employer : XXXX XXXX XXXX XXXX  : XXXX XXXX  Incorrect DOB : XX/XX/year> Incorrect Previous Address : XXXX XXXX XXXX  XXXX XXXX, NJ XXXX The following inquiries are being challenged due to lack of permissible purpose and proper authorization 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 Under FCRA 611 [ 15 U.S.C. 1681i ], I request that you provide physical, verifiable documentation validating the existence of each inquiry and the permissible purpose for accessing my file. If no such evidence exists, these items must be permanently deleted.

Additionally, as outlined in FCRA 611 ( a ) ( 5 ) ( B ), any item previously deleted from my report can not be reinserted without proper written notification to me within five business days. To date, I have received no such notice regarding any reinserted items. This is a direct violation of my consumer rights.

I further demand a notarized affidavit from a party with first-hand knowledge of the alleged account or inquiry. This affidavit must confirm : The debt was legally incurred It was not disputed It was not used as a tax deduction It was not charged off or claimed as a loss with any insuring entity The reporting follows XXXX XXXX format guidelines If you can not fully validate each claim and inquiry, you must delete them from my file immediately. 

Failure to comply will be considered willful non-compliance under FCRA 616 and 617 and may subject your agency to legal action. Any attempt to continue reporting unverifiable or fraudulent data will also be treated as harassment and possible extortion under applicable state laws. 

You are hereby authorized and instructed to mail physical documentation of your investigation, findings, and an updated credit report directly to me.

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 2025-06-25 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:
This letter is to dispute fraudulent entries that have appeared on my credit report. I did not open or authorize the accounts listed, and they appear to have been created without my knowledge. These entries are inaccurate and do not reflect my credit activity.

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 2025-06-25 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: FL

Complaint narrative:
I am disputing the presence of fraudulent accounts on my credit report. These accounts were created without my knowledge or consent and reflect identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
These accounts are negatively impacting my credit score. I ask that XXXX  and the data furnishers comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and either provide full legal validation or immediately remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX bought a dept that is no longer collectable the dept has passed the statue of limitations this dept is XXXX XXXX XXXX as stated in there dept validation letter stating the account was opened XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I recently discovered that my personal information has been fraudulently used to [ open unauthorized accounts/take out loans/make purchases/etc. ], and I did not authorize any of these activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
This letter is to formally dispute the inaccurate reporting of late payments on an account that has always been paid on time and in full, as agreed. The way this account is currently being reported is not only incorrect, but it also violates federal law specifically 15 U.S.C. 1666b, which governs timely payments and crediting of consumer accounts. 

Let me make this absolutely clear : I have never been late on this account. Every payment has been made within the time allowed under the Truth in Lending Act, and I have documentation to back that up. Yet your reporting system is reflecting missed or late payments that simply never occurred. That is a billing error, plain and simple, and it must be corrected immediately.

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 2025-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXXXXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
The company closed my account and did not notify me. Also, did not receive the remaining amount in account after closed.

Company response to consumer: Closed with explanation