vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has projected a fair reporting score on its website and through other apps. However it continuously uses different scoring models for other merchants and banks projecting an abysmal scores and these are leading to hard inquiries which takes 1 year or so to fall off. Its deceptive and I wouldn't apply for in the first place. In my opinion this is an extreme violation of the FAIR CREDIT REPORTING as a consumer because this has harmed me from getting bank loans and housing. I recently applied for a credit line of {$500.00} with my XXXX XXXX and the bank representative said that it was declined due to a XXXXXXXX XXXX XXXX that says, XXXX. This has happen twice this year and I am thoroughly fed up with the deception that Experian uses for the consumers and uses a back door scoring for merchants and bankers to see that are so low and is harming the fair credit scoring that I have worked hard for. Its a perpetual condition and it continues over and over again. Nothing is being done and as a consumer its deceptive on a major scale. If a lawyer sees this on the public domain I am willing to join the class action lawsuit against Experian that is using hundreds of scoring models for company 's to use and deceive the consumers that their credit score is otherwise different as in the case of mine. I CALL FOR A HUGE INVESTIGATION AND NEW LEGAL PERAMETERS TO STOP EXPERIANS DECEPTIVE PRACTICE USE OF SCORING CONSUMERS ON THEIR WEBSITE AT DIFFERENT SCORES BUT ALLOWS COMPANIES TO USE DIFFERENT SCORING MODELS AND EXPERIAN AS THE MAIN SCORE!

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 2025-07-21 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: OH

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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lela Mae Portfolio Management Group
State: CA

Complaint narrative:
A representative from Lela Mae Group ( or so they say ) called me stating that I have until the end of the day to call them back and pay off an owed debt. When I called, I asked who their company was exactly and then requested them to send me a written letter outlining the debt owed for verification. They responded to this by telling me it is too late and then they threatened to contact my family about this debt if I didn't pay it. 

They did mentioned that they sent me an email, so I checked my inbox and found an email from XX/XX/year> that claimed I owed a debt, but I responded asking for debt verification and never received a followup email after that. 

With all of this, I'm unsure as to whether this Lela Mae is a legitimate debt collection agency, nor am I confident that I actually owe them any money. What is most alarming is that they immediately resorted to threats when I simply tried to call and verify that this debt was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX  - Date Opened 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 2025-07-21 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I suspect these unfamiliar inquiries may be unauthorized. Please investigate them immediately and take any corrective action needed. The attached documents may assist in your review.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a dealership in Kentucky. The vehicle was listed at {$11000.00} with over XXXX miles. After taxes, fees, XXXX insurance, and a service contract were added, the total amount financed became {$13000.00}. The dealer arranged financing through Credit Acceptance at an APR of 24.49 %, resulting in a total repayment of {$26000.00} over 60 months. 

During the sale, I was asked to make a {$500.00} down payment before any paperwork was signed, which created pressure to move forward with the deal. I believed the down payment would not be refundable, and felt I had no real choice but to proceed. 

After reviewing the contract later that day, I realized the total cost of the loan was unsustainable and far exceeded the vehicles value. I sent a formal written cancellation request to the dealership by email on XX/XX/XXXX, within XXXX hours of signing. That same morning, I also called Credit Acceptance to ask that the loan not be funded. I was told to follow up with the dealership, and no one at Credit Acceptance confirmed whether they would honor my request.

Despite my verbal and written cancellation notice, Credit Acceptance funded the loan later that same day, without acknowledging or pausing the transaction.

The dealership has refused to confirm in writing that they will cancel the contract or accept the return of the vehicle, and the lender has stated it is no longer in their hands. 

I am requesting CFPB assistance in resolving this situation, which I believe involves high-pressure sales tactics and irresponsible lending. I would like the loan canceled, the contract rescinded, and no credit reporting or further obligations created from this transaction.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The yes or no questions do not apply. Please read my complaint. 

I am filing this complaint to report serious misconduct related to a debt collection lawsuit filed against me by Pressler, Felt & Warshaw LLP in New Jersey.

The firm claimed I had been properly served with the lawsuit via certified mail, and a green card ( PS Form 3811 ) with my signature was submitted to the court as proof. However, I did not sign this green card. A USPS employee later admitted to forging my signature.

Law enforcement Mirandized and questioned the postal worker. During the investigation, he confessed to the forgery and is facing internal sanctions by the postal service. Despite this, Pressler, Felt & Warshaw LLP used that forged proof of service to continue the lawsuit against me.

While I have no direct evidence that the firm orchestrated or was aware of the forgery, their legal team still presented the fraudulent green card as a valid exhibit in their filings. This undermines the integrity of the court process and may have deprived me of due process.

I later learned this firm has a long documented history of regulatory complaints, lawsuits, and disciplinary actions concerning improper service practices and alleged abuse of court procedures. These past complaints reflect a broader pattern of misconduct that aligns with what I experienced.

Despite providing my side of the story in court and through correspondence, I am being forced to fight this case at great personal cost, simply to correct something that never should have been allowed to proceed in the first place.

I request that the CFPB investigate this issue, review any patterns of similar misconduct involving Pressler, Felt & Warshaw LLP, and take appropriate action to prevent further abuse of the legal system and consumer rights. 

I do have emails with XXXX XXXX and have asked for the police report and outcome in writing. I can provide the report when I have it and if you would like to see the emails I can provide those enow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX (Account # XXXX), XXXX XXXX XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX)  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX 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 2025-07-21 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies like Equifax have a grave responsibility to handle consumer information with fairness, impartiality, and a respect for privacy. I am a consumer, and I never authorized Equifax to report or publish certain adverse accounts on my credit file.

Per 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. I never gave Equifax such written instructions. Therefore, Equifax is furnishing my consumer report in violation of federal law.

In addition, 15 U.S.C. 68016802 of the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions ( including furnishers of information ) to respect the privacy of consumers and to provide a clear notice and opportunity to opt out before disclosing nonpublic personal information to third parties like Equifax. I was never given such a notice or opt-out opportunity by the furnishers of the reported accounts. Thus, both the furnishers and Equifax are in violation of federal privacy law. 

Furthermore, under 12 C.F.R. 1016.7, I reserve and now formally exercise my right to opt out of all information sharing and credit reporting concerning my personal data.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of adverse information older than seven years unless specifically permitted under subsection ( b ). Equifax is reporting adverse information without my consent and without ensuring its legal permissibility.

Per 15 U.S.C. 1681e ( b ), Equifax is obligated to maintain reasonable procedures to assure maximum possible accuracy. I assert that these procedures have not been followed. Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) prohibits any person from furnishing information if they know or have reason to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-07-21 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: FL

Complaint narrative:
I been disputing the validity of the debt reported to the credit bureaus under the names XXXX XXXX XXXX XXXX, appearing on my credit reports. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, I demand the immediate removal of this account from all consumer reporting agencies and full validation of this alleged debt. I requested to Pursuant to 15 U.S. Code 1692g ( b ), I requested complete validation including, but not limited to : XXXX. A copy of the original lease agreement with my signature. XXXX. A complete itemized breakdown of all charges. XXXX. Proof of ownership or assignment of this alleged debt. XXXX. A copy of any judgments ( if applicable ). XXXX. Proof that you are licensed to collect in my state. 

They failed to provide this information within XXXX  days constitutes waiver of any claims and requires deletion from all credit reporting agencies. 

They continue reporting inaccurate or unverified information to credit reporting agencies, this constitutes a violation of : 15 U.S. Code 1681s-2 ( b ) ( duty to investigate disputes ) 15 U.S. Code 1681i ( a ) ( reinvestigation requirement ) FACTA Section XXXX ( accuracy and integrity of data furnished to XXXX ) Requested all communication must be in writing only, which was also failed to be provided.

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