vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed repeated disputes with Experian on an old child support collection that is paid in full, they even refunded me an overpayment and the case is closed. But Experian continuously says that the tradeline is open ( Which it is not, and I have plenty of proof. ) and that there's a {$75.00} balance. ( If I owed an outstanding balance, why did the court REFUND me an overpayment? This is also attached. ) Under the FCRA, accurate information must be reported. I have asked them to correct this in multiple disputes. They refuse to correct this. This is causing damage to my credit and causing me to be denied for a mortgage and paying higher insurance for starters. My disputes have gotten nowhere. I'm confused on how there's still an open collection and a balance owed on a closed case. I have demanded that this inaccurate information be deleted. XXXX deleted it, but Experian will not. Why is it that the other XXXX bureaus XXXX and Equifax agree with my dispute but Experian does not? I have since filed a FOURTH dispute with Experian. There's no way the XXXX XXXX is verifying this information and that this case is still open and a balance owed otherwise they would not have refunded me an overpayment and terminated the wage garnishments and closed the case. This is Experian being lazy and not wanting to comply with the law. I have attached the same documentation I have sent to Experian multiple times. I have also attached Experian 's answer to my dispute which is false information. The court didn't verify an open collection with a {$75.00} balance. Each time they say they verified the information on it ( Which is blatantly false. ) and still report it as an open tradeline with a balance when it is in fact not. This proves that Experian has been negligent in its investigation and resolution of this case, and I do intend to litigate if this does not resolve it.

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 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am writing to dispute the accuracy and validity of the repossession information reported by GM Financial on my credit report. The following inaccuracies and unauthorized actions require your immediate attention : 1.GM Financial has not provided any payment history related to this account, making it impossible to validate the legitimacy of the reported repossession.

2.The original creditors name is missing from the account information on my credit report. Also, there is no account number.

3.No monthly payment amounts or payment schedule are listed, rendering the account incomplete and unverifiable.

4.I was neither aware of nor gave permission for the purchase of the vehicle linked to this account. I first became aware of this alleged transaction well after it occurred.

5.I was a victim of the transition breach, which has affected my ability to manage or respond to this matter properly.

Given these facts, I request that GM Financial immediately investigate and remove or correct this account from my credit file. Under the Fair Credit Reporting Act, all information furnished must be accurate, complete, and authorized. Failure to provide complete and verified information means the repossession entry must be deleted. 
Please provide a written confirmation of your investigation and the actions taken. If necessary, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau for further review. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) requesting a reinvestigation of several accounts and public record items that appear to be inaccurately reported as included in bankruptcy or otherwise inconsistent with my actual filing information. These items include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and multiple inquiries and entries associated with XXXX XXXX XXXX reporting from the XXXXXXXX XXXX XXXX in Little Rock XXXX Each of these accounts reflects balances of XXXX or statuses suggesting inclusion in bankruptcy, yet the information appears incomplete, inconsistent, or unverifiable. Despite my initial dispute, the credit bureau has not provided any reinvestigation results, documentation, or explanation verifying how it determined the accuracy of these items. This failure to properly reinvestigate the disputed information violates my rights under FCRA 611 and undermines the requirement under 607 ( b ) to ensure maximum possible accuracy. The continued reporting of potentially inaccurate bankruptcy-related information is materially damaging my credit standing.

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 2025-11-18 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) requesting a reinvestigation of several accounts and public record items that appear to be inaccurately reported as included in bankruptcy or otherwise inconsistent with my actual filing information. These items include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and multiple inquiries and entries associated with XXXX XXXX XXXX reporting from the XXXXXXXX XXXX XXXX in Little Rock XXXX Each of these accounts reflects balances of XXXX or statuses suggesting inclusion in bankruptcy, yet the information appears incomplete, inconsistent, or unverifiable. Despite my initial dispute, the credit bureau has not provided any reinvestigation results, documentation, or explanation verifying how it determined the accuracy of these items. This failure to properly reinvestigate the disputed information violates my rights under FCRA 611 and undermines the requirement under 607 ( b ) to ensure maximum possible accuracy. The continued reporting of potentially inaccurate bankruptcy-related information is materially damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to dispute the inaccurate late payment reporting associated with my credit report. The accounts include are : XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$700.00} This incorrect reporting creates a misleading and damaging impression of my repayment behavior. The appearance of repeated XXXX and XXXX delinquencies on an account that has a complex servicing history ( including transfers and payment arrangements ) misstates the accounts true status and does not reflect verified, itemized evidence of missed payments tied to an accurate Date of First Delinquency. Under 15 U.S.C.

1681i ( a ) I have the right to dispute information I believe to be incomplete or inaccurate, and Equifax, TransUnion and Experian is required to conduct a reasonable reinvestigation. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures that ensure maximum possible accuracy. If the furnisher can not provide complete, documented verification supporting the reported XXXX and XXXX delinquencies including the specific Date of First Delinquency and sequential account activity then Equifax, TransUnion and Experian is required to correct or update the information to reflect the verified account history.

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX and I live in XXXXXXXX XXXX. On XX/XX/XXXX I signed a loan agreement with BrightLending for {$900.00}, with an annual interest rate of XXXX  %, calculated daily, which I believe is abusive and potentially illegal under XXXX XXXXXXXX ( including the Predatory Loan Prevention Act ). 

My first payment is due on [ XX/XX/XXXX ], and I currently can not make this payment. I am disputing this debt under protest while I pursue resolution through legal and regulatory channels. 

I kindly request investigate this loan and provide guidance on how I can be protected from abusive collection practices and possible credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, conflicting, and unverifiable items on my credit reports from Experian, XXXX, and XXXX. On Experian, my account with XXXX XXXX XXXX XXXX XXXX XXXX * incorrectly shows a balance of {$2400.00} with a XXXX late payment reported in XX/XX/XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$6200.00} XXXX XXXX with XXXX late payments from XXXX XXXX and XXXX late payments from XXXX XXXX, which is inaccurate. On XXXX the MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows the same balance with XXXX late payments in XXXX XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with Experian. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reports XXXX late payments XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with both Experian and XXXX. None of these accounts have any XXXX or XXXX late payments, making any such reporting inaccurate and misleading. These discrepancies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i ( a ) regarding the duty to investigate disputes, 1681i ( a ) ( 6 ) on providing written notice of results, 1681i ( a ) ( 8 ) on notifying furnishers of corrections, 1681k on accurate reporting by furnishers, 1681e ( b ) requiring CRAs to follow reasonable procedures to ensure maximum accuracy, 1681g ( a ) providing my right to full disclosure, and 1681s-2 ( b ) obligating furnishers to correct inaccuracies. The presence of conflicting, inaccurate, and unverifiable information has caused confusion and potential harm to my credit standing. I demand that each bureau immediately investigate all disputed accounts with the original furnishers, correct any inaccurate or conflicting information, and provide written confirmation of all actions taken in compliance with FCRA requirements.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Formal Request for Investigation Under the FCRA Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute several items on my TransUnion, Equifax, and Experian credit report. Some information appears inaccurate, incomplete, outdated, or unverifiable. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). 

Items to Investigate : XXXX. XXXX XXXX XXXX ( XXXX  XXXX ) Collection Account Balance : {$250.00} Status : Collection Dispute Reason : I request full validation including original creditor documentation, proof of ownership, and itemized accounting. If not fully verified, please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Status : 120 Days Past Due ; Closed by Credit Grantor Balance : {$390.00} Dispute Reason : I dispute the accuracy of the payment history, dates, past due amounts, and status. Please provide full verification. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Multiple late payments reported Dispute Reason : The late payments appear inconsistent and may be inaccurate. Please verify with full payment records and remove any unverifiable entries. 

Please complete your investigation within the FCRA-required timeframe and provide written results. 

Sincerely, 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 2025-11-18 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: PA

Complaint narrative:
To Whom It May Concern : I am formally disputing an unauthorized hard inquiry and an inaccurate account being reported by XXXX XXXX XXXX 



XXXX. Unauthorized Inquiry REMOVE IMMEDIATELY XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX I am demanding the immediate removal of this inquiry. 
I did not authorize, approve, or permit XXXX XXXX XXXX to access my credit file on this date. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 604 ( a ) ( 2 ) No permissible purpose FCRA 604 ( f ) Prohibits obtaining a consumer report without authorization FCRA 607 ( a ) Requires reasonable procedures to ensure only authorized inquiries appear Because this inquiry was made without my consent, and because you as a CRA are required to verify a permissible purpose IN WRITING, you must either : XXXXProvide documented proofwith my actual signed authorizationper FCRA requirements within 30 days, OR XXXXDelete the inquiry immediately. 

If you can not produce a signed application or authorization from me ( because none exists ), the inquiry is unlawful and must be removed. 



XXXX. Incorrect XXXX XXXX XXXX Account Reporting REMOVE OR CORRECT Along with the unauthorized inquiry, XXXX XXXXXXXX XXXX is also reporting an account with multiple inaccuracies. 
These violations include ( you may update details if needed ) : Inaccurate reporting history Inconsistent dates Failure to report complete and accurate information Violations of FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ) requiring maximum possible accuracy I am demanding a full method of verification for the account, including : Who verified the information The complete verification method The date of verification The documents used to verify accuracy If you can not fully verify the account and all information associated with it, you are legally obligated to delete it from my credit file. 



Your Legal Obligation ( FCRA ) You must complete this investigation within 30 days. If you can not provide legally valid documentation proving : Permissible purpose for the inquiry, and 100 % accurate and verified data for the account then both the inquiry and the account must be removed from my credit report. 

Failure to comply places you in direct violation of federal law, and I will not hesitate to pursue full remedies available under the FCRA. 



Requested Action Remove unauthorized inquiry by XXXX XXXX XXXX Reinvestigate XXXX XXXX XXXX account and remove if unverifiable Provide written results of your investigation

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 2025-11-18 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, misleading, and unverifiable accounts and inquiries that violate several provisions of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are being reported as charge-offs with {$0.00} balances, which is inherently misleading, as these accounts have already been satisfied, settled, or forgiven, yet the bureaus continue to report them as derogatory items, in violation of FCRA 602 ( a ) and 607 ( b ), which require maximum possible accuracy, and potentially FCRA 605 ( a ), which prohibits continued reporting of obsolete or non-collectible information. Additionally, one of my XXXX XXXX XXXX accounts is still reporting a balance of {$5600.00} despite the creditor issuing a Form 1099-C for cancellation of debt ; therefore, continuing to list this as an active charge-off violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor should knowto be inaccurate. My credit report also contains numerous hard inquiries from entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no entity is allowed to access a consumers report without explicit authorization or a legitimate business reason ; therefore, any inquiry that can not be verified as permissible must be removed. Under FCRA 611 ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Formal Request for Investigation Under the FCRA Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute several items on my TransUnion, Equifax, and Experian credit report. Some information appears inaccurate, incomplete, outdated, or unverifiable. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). 

Items to Investigate : XXXX. XXXX XXXX XXXX ( XXXX  XXXX ) Collection Account Balance : {$250.00} Status : Collection Dispute Reason : I request full validation including original creditor documentation, proof of ownership, and itemized accounting. If not fully verified, please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Status : 120 Days Past Due ; Closed by Credit Grantor Balance : {$390.00} Dispute Reason : I dispute the accuracy of the payment history, dates, past due amounts, and status. Please provide full verification. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Multiple late payments reported Dispute Reason : The late payments appear inconsistent and may be inaccurate. Please verify with full payment records and remove any unverifiable entries. 

Please complete your investigation within the FCRA-required timeframe and provide written results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
This is not a personal problem I have only been having but the mobile banking account Cash App has a limit as to which you can not receive more than XXXX per XXXX days. Which, I believe is not really reasonable although yes having a sponsor an account for teens is reasonable and fair. I think the limit should be extended for teens aswell, because someone may need money sent to them right away and the limit will block them in the way of this.

Company response to consumer: Closed with explanation