vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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:
I am writing to formally dispute an inaccurate address listed on my credit report, which is negatively impacting my credit profile. The report incorrectly lists my address as : XXXX XXXX XXXX XXXX, NJ XXXX WRONG ADDRESS This inaccurate information is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. I have never resided at any address other than my correct address provided above, and this error is entirely the reporting agencys responsibility. 

I demand immediate investigation into this inaccuracy and prompt correction or deletion of the incorrect address from my credit report. Continued reporting of false information is causing me potential harm, including misrepresentation to lenders and negative impact on my creditworthiness. 

Please provide me with written confirmation once this issue has been corrected. I expect a timely response in compliance with FCRA requirements. 

Thank you for your immediate attention to this urgent matter.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
We are disputing this debt in full. My mother and I both signed up for XXXX XXXX memberships and only used the gym for the first XXXX to XXXX months. After that, we stopped going entirely. My mothers card was on file for payment, and it eventually stopped being charged. We did not authorize continued billing beyond that point. We were never clearly informed that the balances were continuing to grow or that the accounts were being sent to collections. 

We recently received letters from Aldous & Associates attempting to collect approximately {$150.00} {$200.00} each for these accounts. We do not agree that these amounts are valid. The charges continued for many months while no services were being used, and no successful payments were processed once the card stopped working. We are requesting documentation showing how these balances were calculated. 

We are also requesting that all collection activity stop while this matter is being reviewed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
For XXXX months the Credit Agency/Bureaus disregarded, violated my rights under the FCRA, and ignored my request delete the unauthorized inquiries on my credit report. Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block or remove fraudulent items within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent/unauthorized information Please remove unauthorized inquiries. Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2025-12-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I have be paying my own accounts since I have withdrawal from my debt counsellors but my accounts doesn't decrease

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TomoCredit Inc.
State: SC

Complaint narrative:
I am trying to do credit repair and was told that Tomocredit would provide a credit card up to $ XXXX for those who pay the VIP and they have not done anything with my account. I requested a refund and to cancel my account they removed me from the VIP and did not give a refund. I have asked to reach out to someone and even tried getting on to schedule a call through their webpage, but they don't have any availability through XXXX to talk to an actual human.I purchased this back around XX/XX/year> and felt like nothing had been done compared to other companies that I subscribe to that helps with reporting and fixing my profile. After a few days I felt that something was off and after reading other horror stories from other users who had issues with Tomocredit, I feel like I have been fraud and tricked out of mymoney. I would like to get my money back and close my account completely with Tomocredit but there has been no communication with them in the past few days as if my email has now been put on the do not reply list. I cant even sign into the app on my phone now and can't even resume the subscription online from the website. I feel like this is fraudulent and would like my money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$35000.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX * * Balance Owed : {$58000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Original Creditor : XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$35000.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX * * Balance Owed : {$58000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Original Creditor : XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I was billed for a medical debt that XXXX covered XX/XX/XXXX by XX/XX/XXXX. I was not made aware of this debt until a judgement was made. They did not have my current phone number or address. I contacted valley immediate care and they pulled back the collection, minus judgement and legal fees. 

I had been arguing with XXXX XXXX and XXXX XXXX XXXX about who was liable for legal fees, although this bill was sent to collections entirely in error. 

I received a call from XX/XX/XXXXon XX/XX/XXXX letting me know that XXXXXX/XX/XXXXwas informing them about another garnishment I had. 

XXXX XXXX has gone over the principal amount and fees that valley immediate care paid, and the legal fees that were associated with this bill. 

This bill was entirely covered by XX/XX/XXXXXXXX XXXX, and I did not sign an agreement to pay. 

Now XXXX XXXX is speaking with XXXX XXXX XXXX about another debt that I apparently owe that is in no way associated with them, but will not give me a straight answer about. 

I spoke with valley immediate care again XX/XX/XXXX and their rep insisted that XXXX XXXX was telling her about unrelated debts I owe to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Illegal Reinsertion of Deleted Accounts Without Notice FCRA Violation I am filing a complaint against Experian for reinserting accounts that were previously deleted due to identity theft errors and false reporting.

The following accounts were deleted by Experian on XX/XX/year>, and have now been reinserted without any notice to me : XXXX  Acct : # XXXX ( Opened when I was a minor ) XXXX XXXX  Acct : # XXXX ( Opened when I was a minor ) Under FCRA 611 ( a ) ( 5 ) ( B ), if a deleted item is reinserted, the consumer reporting agency must provide written notice within 5 business days. I received no notice, no reinvestigation results, and no documentation supporting the reinsertion. This is a direct violation of 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
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIRST MERCHANTS CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to cash two legitimate settlement checks at First Merchants Bank in XXXXXXXX XXXX  These checks were issued as part of a wrongful termination and discrimination settlement from the banks own customer in the amounts of {$7500.00} and {$4600.00}. I provided valid ID, my Social Security card, and endorsed the checks only because staff instructed me to do so. I repeatedly explained that the checks came from a discrimination settlement, and that First Merchants Banks own client issued them. 
Despite this, the XXXX XXXX never verified my checks through their reader, never contacted the issuer for confirmation, and instead went into repeated huddles, returning with the same questions I had already answered. After more than an hour, a manager told me they were not cashing the checks and refused to provide any reason for the denial. 
The next day, I went to a second First Merchants location in XXXX XXXXXXXX XXXX. That branch stated they could not cash the checks because they had already been signed at the first branch ( something I only did because I was told to ), and also said they did not have sufficient cash on hand. This means the first location forced me into a position where the second location could not serve me another burden placed on me because proper verification never occurred in XXXX. 
I then went to a third branch in XXXXXXXX XXXX  This location took both checks to the back, verified them, returned promptly, and successfully cashed them with no issues. This entire process took half the time of the first bank and confirmed that the funds were legitimate and that the first two branches could have verified and cashed them as well, but chose not to. 
This situation caused unnecessary delay, embarrassment, travel, stress, and financial hardship. The discrepancy between branch outcomes suggests possible discriminatory treatment and improper procedure. This experience closely reflects the XXXX XXXXXXXX XXXX XXXX XXXX case, where a XXXX individual was denied settlement funds without valid reason, only for another bank to confirm the checks were authentic within minutes. 
Please review my attached full notice, documentation, and request for corrective action and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: GA

Complaint narrative:
I previously filed a XXXX  complaint against XXXX XXXX XXXX ( XXXX  ) for failure to provide contracted debt-relief services and legal representation. They responded by issuing a small refund and lowering my monthly payments, claiming the issue would be resolved going forward. However, they have knowingly repeated the same conduct. I am diagnosed with XXXX XXXX XXXX and XXXX, and XXXX  was informed of this. They were notified that I could not personally attend a status hearing due to disability and needed them to appear or request an accommodation. They ignored my written requests entirely and failed to represent me in court again leaving me unrepresented despite the payments I have continued to make. Their conduct shows a repeated, deceptive business practice resulting in financial harm and disability discrimination.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Issue : Auto loan inaccurate credit reporting and improper handling of voluntary repossession. 

What Happened : In XXXX, I contacted my auto lender and requested a voluntary repossession due to a failed transmission. I provided the lender with the exact location of the vehicle and the repair shops full contact information. The vehicle was fully available for pickup. 

The lender told me they had the right to refuse the repossession. They never retrieved the vehicle and never sent any required legal notices ( no notice of repossession, no intent to sell, and no deficiency notice ). The repair shop later reported the vehicle was no longer there. I have not had the vehicle in my possession since XXXX. 

Despite refusing to retrieve the vehicle and despite my lack of possession, the lender has : Reported late payments every month for years Reported an outstanding balance of approximately {$9000.00} Failed to provide documentation showing they attempted recovery Failed to send any notices required by UCC repossession laws This is inaccurate credit reporting, a failure to mitigate loss, and a violation of FCRA and state repossession requirements.

I am requesting : 1. Removal of all late payments after XXXX  2. Adjusting the balance to {$0.00} 3. Correction or deletion of the entire tradeline 4. Confirmation of their handling of the repossession request 5. Documentation of any attempts to retrieve the vehicle

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 2025-12-04 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 submitting to formally dispute several items currently reported on my Equifax, Experian and TransUnion credit file. After a thorough review of my report, I have identified multiple accounts that are inaccurate, incomplete, or unverifiable, and I am extremely concerned about the negative impact these errors have on my creditworthiness. It is imperative that Equifax, Experian and TransUnion address these matters immediately and in accordance with federal law, including the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) regarding disputes of inaccurate information, FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers to correct and update, FCRA 605 ( a ) regarding obsolete information, and FCRA 609 ( 15 U.S.C. 1681g ) regarding my right to full disclosure of all reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief