vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: OK

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received a summons on or around XXXX about a collection that LVNV Funding claims I owed in the XXXX XXXX XXXX in XXXX XXXX Ohio, Case number XXXX. I responded and filed a motion to compel arbitration. On XXXX The XXXX XXXX XXXX granted my motion and ordered the Plaintiffs to initiate arbitration. 
I wrote the plaintiffs attorney, XXXX XXXX asking them to initiate arbitration within 15 days or I would seek a motion to dismiss for lack of prosecution or I would allow them to dismiss with prejudice voluntarily. On XXXX, the plaintiffs dismissed their claim with prejudice. Soon after, I requested that they remove this claim from my credit report. I advised them that since they didnt follow the judges ruling about initiating arbitration and their voluntary dismissal with prejudice that they dont have a legitimate claim to this debt. If they did, they wouldnt have dismissed voluntarily and wouldve initiated arbitration. I believe they are purposely reporting this on my credit report out of retaliation for their loss in court. When I contacted them, they said just because they dismissed with prejudice voluntarily doesnt mean that the debt isnt valid.. I told them to initiate arbitration if they believe I owed this debt. It has been over 30 days since the dismissal and it is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX a credit card i supposedly had was assigned to credit corp solutions. 

On XX/XX/XXXX, i received a letter from credit corp solutions notifying me that this had happened. 

No, where in time did i or have ever had any relationship with XXXX XXXX XXXX XXXX XXXX 

I do not know how it was assigned back in XX/XX/XXXX, and then XXXX years later did i happen to receive a letter stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Given I did not authorize these fraudulent accounts and was not aware of their existence, I am asking that they be immediately removed from my credit report. Please remove them within 15 days in compliance with USC 1681g. Enclosed are supporting materials.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have had no dealings with this company that has put information on my credit of {$1000.00} XXXX XXXX XXXX XXXX Last reportedXX/XX/XXXX stating opened XX/XX/year> ( XXXX mos ). This is False and or Fraud. I need this removed from my credit immediately. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would 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
Consumer complaint received 2025-05-09 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: MA

Complaint narrative:
CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
# # # Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX XXXX and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 2025-05-09 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: KS

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am writing to dispute inaccurate payment information that appears on my credit report dated [ Insert Report Date ]. This information is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 

The item in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX * * XXXX Account Number : XXXX * * XXXX Creditor Name : Indigo Account Number : * * * * * * * * XXXX Issue : My credit report shows late payments for Amount of {$220.00} XXXX XXXX XXXX XXXX and {$170.00} XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX Reported for XX/XX/XXXX and XXXX XXXX, which is incorrect. I made on-time payments for the dates in question, and I have enclosed documentation to support my claim. 

Under Section 611 of the FCRA, I request a reinvestigation of this information. If your investigation confirms the inaccuracy, I respectfully request that you update my credit file to reflect a correct payment history and remove any derogatory notations related to this account.

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 2025-05-09 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: NY

Complaint narrative:
I am writing to dispute inaccurate payment information that appears on my credit report dated [ Insert Report Date ]. This information is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 

The item in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX * * XXXX Account Number : XXXX * * XXXX Creditor Name : Indigo Account Number : * * * * * * * * XXXX Issue : My credit report shows late payments for Amount of {$220.00} XXXX XXXX XXXX XXXX and {$170.00} XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX Reported for XX/XX/XXXX and XXXX XXXX, which is incorrect. I made on-time payments for the dates in question, and I have enclosed documentation to support my claim. 

Under Section 611 of the FCRA, I request a reinvestigation of this information. If your investigation confirms the inaccuracy, I respectfully request that you update my credit file to reflect a correct payment history and remove any derogatory notations related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Considering I have no relationship to the provided creditors and this inquiry is not relevant to me, I humbly ask that it be swiftly deleted off my credit report.

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 2025-05-09 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-09 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:
These accounts shouldn't be listed on my credit report because they were opened without my consent. I implore you to remove them in order to fix this problem.

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 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: SC

Complaint narrative:
I applied for a business line of credit at XXXX XXXX and was approved. I received XXXX than {$500.00} in my account. 

It was suggested this loan would help my credit and if I paid it down sooner, I would be eligible for a larger loan. 

I immediately paid {$200.00} down on the account, the same day they opened it. I called in the following day to follow up on updated approval amounts only to find out that I had a fixed end loan, not a line of credit. 

I asked for a payoff and was told it was in the mid $ XXXX, after paying several XXXX dollars to them. 

Now they are claiming that I owe over {$500.00} more, they just took {$300.00} out of my account today and before that they were threatening in their text messages to me ( I have screenshots, they text their customers, not automated, actual people text back. This is probably why we received wrong information. 

Their staff is sort of just handing these very serious customer service and compliance issues with, incompetence, bullying and ignorance. I would like you to investigate their practices and please let me know if you need any more information. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to formally dispute the following item on my credit report. The information being reported is inaccurate and does not meet the standards of accuracy and fairness required under the Fair Credit Reporting Act ( FCRA ). Specifically, it fails to reflect maximum possible accuracy, as mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My XXXX XXXX was repossessed in XXXX. When tried to pay the past due amount I was told I had to pay the car off in full which at the time was XXXX XXXX XXXX. I didnt have XXXX XXXX XXXX  to pay upfront, so I was told the car will be auctioned off. At the time the car had gap insurance on it also which would have covered the difference and it wasnt used. I have requested proof of sales and balances. I have also requested proof that the vehicle wasnt a tax write off and immediate removal without proof. XXXX  is violating my rights by continuing to violate the account as verified and I have no verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
All of these inquiries appear to be did not authorize, and I am not aware of them. I demand that this problem be corrected right away. Please review the necessary paperwork that are enclosed.

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 2025-05-09 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 non-monetary relief