vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MN

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is important to me. However, I continue to see inaccurate and false information that has not been corrected, despite my repeated attempts to have it addressed. This recurring issue has been extremely stressful and exhausting, and it has unfairly damaged my credit score and negatively impacted my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial unlawfully obstructed my ability to pay my auto loan. I remained current and willing to pay, but Ally blocked ACH and online portal access, refused to accept payments by phone, and demanded that I pay only via XXXX XXXX, which is unsafe, high-fee, and not authorized under the contract. 

Despite my willingness and ability to continue paying, Ally manufactured a false default, charged off the account, and reported it inaccurately to the credit bureaus. Ally also continues to hold my vehicle title despite creating this false default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am challenging fraudulent accounts that have been wrongfully added to my credit report. These accounts were not opened or authorized by me and are completely inaccurate. Their continued presence is misleading, harmful, and a violation of my right to fair 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 explanation
Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
I did not receive any XXXX XXXX from XXXX XXXX XXXX in XX/XX/year>, which is the alleged source of this debt. 

I had no prior knowledge of this debt until reviewing my credit report. I was never billed, contacted, or provided with any documentation regarding this alleged obligation. 

I do not recognize XXXX XXXX as a legitimate creditor or collection agency with whom I have done business. The account number reported is : XXXX XXXX XXXX XXXX Given these facts, I am requesting a full investigation into the validity of this debt and the reporting practices of XXXX XXXX. This account is inaccurate, unverified, and should not be included on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts on my credit reports with Experian, XXXX XXXX XXXX. These include collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, erroneous student loan delinquencies, and numerous unauthorized inquiries. I never provided written consent for these accounts or inquiries, violating FCRA 1681b ( f ). I also submitted an FTC Identity Theft Report, as I am a victim of confirmed data breaches ( XXXX XXXX XXXX XXXX XXXX XXXX. Despite my disputes, these unverifiable accounts remain. Under FCRA 1681i and 1681c-2, the bureaus must investigate and delete unverifiable and identity theftrelated items. I request CFPB intervention to ensure these violations are corrected and my reports updated.

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 2025-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed Experian a dispute letter regarding inaccurate and misleading information on my credit report. Specifically, I disputed the late payment notation on my XXXX XXXX account and other reporting errors, and I enclosed copies of my government-issued ID, Social Security card , and proof of address to verify my identity According to the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item within 30 days of receiving the dispute. To date, Experian has not responded to my dispute or provided investigation results. This failure violates my rights under the FCRA. 

The inaccurate reporting continues to harm me by misrepresenting my payment history and lowering my creditworthiness. My XXXX XXXX account is active with a consistent history of on-time payments, and the negative remark of a late payment is not accurate.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Fraudulent Hard Inquiries Request for Immediate Removal under FCRA 605B To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries that appear on my TransUnion credit report. I am a victim of identity theft as a result of a recent data breach, and I did not authorize or initiate the credit applications associated with these inquiries. 
The fraudulent hard inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request that credit reporting agencies block information on their credit reports that results from identity theft. Additionally, under the FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Because these inquiries were the result of fraudulent activity, I am demanding that TransUnion remove or block these inquiries from my credit file within four ( 4 ) business days of receipt of this letter, as required under FCRA 605B. 
Please provide me with written confirmation that these inquiries have been removed from my credit file. Failure to comply with this request will constitute willful noncompliance under the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Thank you for your prompt attention to this serious matter. 
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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My ( TransUnion ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
THIS IS THE SECOND ATTEMPT TO RESOLVE THIS VIOLATION. 

If this account is not deleted, I reserve my right to pursue damages under FCRA 616617. 

Fifth Third Bank, N.A. has furnished inaccurate and conflicting information about my vehicle loan account across the nationwide credit reporting agencies. The same account is reported with contradictory payment histories ( XXXX ), balance information, closed dates, charge-off status, and derogatory events. In some reports the account is marked as a charge-off, while in others it is shown as a redeemed repossession. 

Despite my disputes, Fifth Third has failed to conduct a proper investigation or correct these errors, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). By continuing to furnish false and contradictory information, Fifth Third is materially harming my credit score and misrepresenting my creditworthiness. 

I have attached exhibits documenting at least XXXX reporting inconsistencies, including balance errors, contradictory derogatory notations, and inaccurate payment histories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I want to make clear this complaint is not submitted in error. My credit report contains multiple inaccurate and/or unauthorized entries that have materially harmed my credit and caused ongoing emotional and financial distress.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 EQUIFAX MORTGAGE SER XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRequest for Debt Validation\n\nDear Self\n\nI am writing in response to your communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g.\n\nPlease be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting that you provide the following documentation:\n\nVerification that the debt is mine, including a copy of the original contract or agreement bearing my signature.\nThe name and address of the original creditor.\nAn itemized accounting of the amount claimed, including principal, interest, fees, and other charges.\nProof that you are authorized to collect this debt, including any assignment or transfer of rights.\nProof that you are licensed to collect debt in my state.\nA complete payment history for this account.\nYour bonding agents name and address, in case legal action becomes necessary.\nUntil you provide the requested validation, I request that you cease all collection efforts, including reporting to credit bureaus. If you continue collection activity without providing proper validation, I will consider this a violation of the FDCPA and may pursue legal remedies.\n\nPlease send all correspondence to the address listed above. I am keeping a copy of this letter for my records and will also submit it as part of my complaint to the Consumer Financial Protection Bureau.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> XXXX transactions were withdrawn from a debit card that was not mine by Cash App. XXXX ) {$160.00} XXXX ) {$55.00} total amount of {$210.00}. I was informed of the transactions on XX/XX/year>. I immediately notified Cash App. I informed them that the card was not mine and that the money needed to be returned to the debit card holder. I was then told that they would look into it. Several days later I was sent an email saying that they would not/ could not return the funds and have a good day. Ive contacted them several more times explaining that the card was not mine and that the money be returned. I have asked to speak with a manager or supervisor and have been told that they do not take phone calls only emails. To date its still unresolved and they have not responded to my questions except for a form letter response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint Against Truist Bank Improper Denial of Valid Chargeback Claim Summary of Issue : I am filing a complaint against Truist Bank for improperly denying my chargeback claim related to transactions with XXXX XXXX XXXX XXXX XXXX totaling {$1900.00}. 

Details : In XX/XX/year>, I entered into a publishing contract with XXXX XXXX XXXX. 

They failed to deliver contracted services : XXXX : delivered. 

XXXX  : never delivered ( I was forced to self-publish independently ). 

Marketing : never delivered, despite a written guarantee of minimum distribution/sales. 


XXXX XXXX XXXX admitted in writing that they would issue a refund but failed to follow through. 


I disputed the transactions with Truist. On XX/XX/year>, I was informed my claim was denied because I did not act swiftly enough. This determination ignores the following facts : 1. I acted in good faith and engaged XXXX XXXX XXXX immediately within the timeframe they provided, but they stalled and failed to issue a refund.

2. I simultaneously filed a dispute with XXXX XXXX XXXX  for the same vendor and same transactions. On XX/XX/year>, XXXX ruled in my favor and made the credit permanent. Truist had access to more documentation than XXXX but denied the claim anyway.

3. As a federally insured bank, Truist is subject to federal law, not just internal policy. Their denial conflicts with my rights under the following : Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 Truth in Lending Act ( Regulation Z ), 12 C.F.R. 1026.13 Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Regulation E, 12 C.F.R. Part 1005 Resolution Requested : Reversal of Truists denial of my chargeback claim. 

Full refund of the {$1900.00} in disputed transactions. 

Confirmation that Truist will follow applicable federal consumer protection laws in future disputes. 


Supporting Documentation Attached : Screenshot of Truist account showing disputed XXXXXXXX XXXX  XXXX charges. 

Emails and documentation showing XXXX XXXX XXXX breach of contract and promise of refund. 

XXXX XXXX  letter ( dated XX/XX/year> ) confirming refund issued for identical dispute.

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 monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: VT

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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