vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Information Due to Identity Theft ( 15 U.S.C. 1681c-2 ) Reference Number : XXXX DeaXXXX XXXX XXXX XXXX XXXX XXXX I am writing to request that you block certain information in my credit file that resulted from identity theft, pursuant to 15 U.S.C. 1681c-2. I am a victim of identity theft, and the fraudulent information listed below does not belong to me and is adversely affecting my credit report. 

Correct Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Last XXXX digits of Social Security Number : XXXX Fraudulent Information to be Blocked : XXXX Flags that are inaccurate Any accounts, inquiries, or addresses that are not mine, including : Previous addresses not belonging to me Phone numbers not belonging to me Any credit inquiries related to fraudulent applications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27000.00}

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
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-08-16 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Consumer Complaint Draft XXXX  / Ally Financial Reporting Error Summary of Issue : I am filing this complaint because XXXX  has failed to properly investigate and correct inaccurate information related to an Ally Financial auto loan account that was repossessed, sold at auction, and fully satisfied. Despite clear evidence that the loan was settled in full, XXXX  continues to report the account as a charge-off, which is inaccurate and damaging to my credit. 

Details : The vehicle was repossessed by Ally Financial and sold at auction. 
The auction sale more than covered the balance of the loan. In fact, Ally Financial issued me a check in the amount of {$1900.00} on XX/XX/year>, representing the surplus after the loan obligation was satisfied. 
This establishes that the account was settled in full, with no remaining deficiency balance. 
However, XXXX  continues to report the account as a charge-off. This is factually false. 

Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes information. XXXX  has failed to do so by continuing to report this account inaccurately despite my evidence. 
The FCRA also requires that only accurate, complete information be reported ( 15 U.S.C. 1681e ( b ) ). Reporting this account as a charge-off when Ally confirmed through direct payment to me that the loan was satisfied violates this standard. 

Requested Resolution : I request that XXXX  immediately update my credit report to accurately reflect the status of this account. The account should not be reported as a charge-off. It should instead be reported as Paid in Full / Settled {$0.00} balance or removed entirely, as it is not derogatory. 

I am requesting that the CFPB compel XXXX  to comply with the FCRA by : 1. Correcting the reporting of this account across all credit bureaus.

2. Ensuring that future reinvestigations are conducted properly and in compliance with the law.

Supporting Evidence ( available upon request ) : Copy of the Ally Financial check dated XX/XX/year>, in the amount of {$1900.00}. 
Current XXXX  and other bureaus credit reports showing the inaccurate charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
I noticed an inquiry from XXXX XXXX XXXX XXXX on my credit report for XX/XX/year>. I do not recognize this inquiry. I have tried contacting them to remove inquiry from my report but to no avail. I would like this inquiry to be removed immediately as it is preventing me from obtaining new credit.

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 2025-08-16 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: OH

Complaint narrative:
I noticed an inquiry from XXXX XXXX XXXX XXXX on my credit report for XX/XX/year>. I do not recognize this inquiry. I have tried contacting them to remove inquiry from my report but to no avail. I would like this inquiry to be removed immediately as it is preventing me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am trying to pay my federal student loans through Aidvantage, but every time I submit a payment it is reversed days later without explanation or notification. I only discovered this by logging into my account repeatedly. If I hadnt checked, I would have been charged more late fees and penalties. 

Recent attempts : XX/XX/year> {$280.00} payment reversed XX/XX/year> {$280.00} payment reversed XX/XX/year> {$400.00} payment reversed Each time, I receive a confirmation email, but then the payment is quietly reversed. Interest keeps accruing, and I am being penalized despite making good faith efforts to pay on time. The only successful payment I have had in the past was after filing a CFPB complaint, which should not be necessary for routine monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Title Loans Consumer Complaint Reference : [ insert CFPB case number ] To Whom It May Concern, I am writing in response to the recent closure of my CFPB complaint regarding the predatory loan practices of XXXX XXXX XXXX  XXXX XXXX ). I respectfully request that this matter be re-examined, as the response provided by the company does not address the abusive structure of the loans, nor the excessive payments I was forced to make. 


-- - Background I received XXXX loans from XXXX : Loan # XXXX ( XX/XX/XXXX ) : {$1200.00} Loan # XXXX ( XX/XX/XXXX ) : {$2900.00} Total Principal Borrowed : {$4100.00} Over the course of repayment, I made {$8600.00} in total payments across both loans. This means I paid more than double the original amounts borrowed. 

Despite consistent monthly payments ranging from {$50.00} to {$590.00}, the structure of these loans applied almost all payments to interest, not principal. It was only very late in repayment that balances were reduced at all. 

Compounding this, XXXX blocked my primary email address after I raised concerns, forcing me to use a different email to communicate. This created an unfair barrier to resolution and demonstrates bad faith. 



-- - Harm These loans were structured in a way that made it nearly impossible to escape the debt cycle. For over XXXX years, I paid faithfully, but the principal remained untouched for long stretches due to excessive and compounding interest. 

The fact that I ultimately paid over {$8600.00} on a {$4100.00} debt, yet faced threats of continued collection and refinancing, is a hallmark of predatory lending. This harmed me financially and emotionally, while also putting my vehicle and livelihood at risk. 


-- - Requested Settlement Given these facts, I respectfully request a settlement that includes : XXXX. Refund of Overpayments : At minimum, repayment of the {$4400.00} I paid above the original loan principal. 


XXXX. Loan Closure Confirmation : Both accounts must be confirmed closed with a {$0.00} balance. 


XXXX Credit Repair : Removal of any negative credit reporting tied to these accounts. 


XXXX. Regulatory Oversight : An investigation into LoanMart/CCBanks lending practices to prevent further harm to other consumers. 



This settlement request is reasonable and supported by clear payment records. I believe it would bring this matter to a fair resolution. 


-- - Closing Thank you for your attention to this matter. I have attached supporting payment histories showing the total amounts paid. Please confirm receipt of this rebuttal and advise on next steps toward resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX. XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry sXXXX XXXX  - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX LOAN - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXXXXXX - XXXX Unauthorized Inquiry XXXX XXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX  - XXXX Unauthorized Inquiry sXXXXXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX  - XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} 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

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 2025-08-16 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} 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

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
Currently Experian has names that do not belong to me listed as well as addresses that I have never lived at listed. There are also unauthorized inquries on my 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not updated with a discharged XXXX  from XX/XX/year>.

Company response to consumer: Closed with explanation