vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I received an email that credit application number XXXX that I never applied for was denied on XX/XX/year>. My credit is frozen so someone made an attempt to get credit in my name and committed identity fraud.

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Pull my credit report my Equifax report what XXXX XXXX XXXX is in accurate. My car was repo on XX/XX/year>. My credit report is showing XXXX and XXXX as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$1700.00} Open Date XX/XX/year> 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 2025-05-12 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: TN

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Who

m It May Concern, I am filing a formal complaint against Equifax, 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 2025-05-13 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-12 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: NV

Complaint narrative:
My personal information (., name variations, outdated addresses is inconsistently reported across Experian, Equifax, and TransUnion. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and XXXX, which require credit bureaus to maintain maximum accuracy and promptly correct errors upon dispute. I demand all three bureaus harmonize my data to reflect my legally verified details. 

-- - XXXX. FCRA XXXX : - " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information ... '' - Inconsistent data ( e.g., misspelled names, outdated addresses ) violates this duty. 

XXXX. FCRA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) : - " If the completeness or accuracy of any item of information is disputed, the agency must conduct a reasonable reinvestigation ... '' - Bureaus must update/delete unverifiable data within XXXX days. 

-- - STEPS to Demand in Your Complaint XXXX. Request Harmonization : - All three bureaus must align your name, address, SSN, and other identifiers to match your government-issued ID ( e.g., drivers license, passport ). 

XXXX. Demand Deletion of Inaccuracies : - Remove any variations ( e.g., nicknames, typos ) or outdated data that can not be verified.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My personal information (., name variations, outdated addresses is inconsistently reported across Experian, Equifax, and TransUnion. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and XXXX, which require credit bureaus to maintain maximum accuracy and promptly correct errors upon dispute. I demand all three bureaus harmonize my data to reflect my legally verified details. 

-- - XXXX. FCRA XXXX : - " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information ... '' - Inconsistent data ( e.g., misspelled names, outdated addresses ) violates this duty. 

XXXX. FCRA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) : - " If the completeness or accuracy of any item of information is disputed, the agency must conduct a reasonable reinvestigation ... '' - Bureaus must update/delete unverifiable data within XXXX days. 

-- - STEPS to Demand in Your Complaint XXXX. Request Harmonization : - All three bureaus must align your name, address, SSN, and other identifiers to match your government-issued ID ( e.g., drivers license, passport ). 

XXXX. Demand Deletion of Inaccuracies : - Remove any variations ( e.g., nicknames, typos ) or outdated data that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: AL

Complaint narrative:
This debt collection has not been verified as my debt and I want it removed immediately from my credit file. I have the same name as another family member and I know this debt do not belong to me. I have made attempts to get this verification and have not been successful. Also medical bills are not allowed to be put on credit reports and supposed to be remove by XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Pull my report up for experience as of XX/XX/year>. It is showing in accuracy of payment history for unit auto credit. My car was repo in XXXX and is showing late payments for XXXX XXXX and 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 2025-05-12 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and Im trying to get copies of my credit reports from Trans Union, Equifax, and Experian. Can you please assist me with this?

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please remove this hard inquiry from my Transunion report. I do not know where this inquiry came from nor authorized it. The following inquiry is unauthorized : XXXX XXXX XXXX  XX/XX/year>.

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 2025-05-12 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: MO

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Unverified Items from Credit Report To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies and/or furnishers for failure to comply with the Fair Credit Reporting Act ( FCRA ) : Experian / TransUnion / Equifax / [ Creditor Name ( s ) DEPTEDNELNETXXXX XXXX/ I have disputed several negative items appearing on my credit report that are inaccurate, incomplete, unverifiable, and/or obsolete. These items have not been validated within the required timeframe, and my previous disputes have either been ignored or falsely verified without proper investigation or documentation.

Under Section 611 and 609 of the FCRA, I demand full documentation of any item verified as accurate. If such documentation can not be provided within the statutory time limits, these items must be deleted immediately. Continued reporting of these items without verification constitutes willful noncompliance and a violation of my consumer rights.

I am requesting immediate CFPB investigation and enforcement action, including : Full removal of all unverified negative items Written confirmation of the results Fines or penalties for furnishers and/or agencies failing to comply with federal law Attached you will find my credit report, prior dispute letters, and any related documentation. This is your official notice to investigate and take corrective action without further delay. 

Thank you for your time and urgent attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$1700.00} Open Date XX/XX/year> 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized person contacted Equifax and convinced Equifax to unfreeze my credit, even though it was frozen and I have the key required. No one contacted me from Equifax until a postcard was sent to my house on XX/XX/XXXX indicating my credit was unfrozen from XX/XX/XXXX to XX/XX/XXXX. During that time, several lines of credit were attempted to open and XXXX successfully from XXXX XXXX. 

I requested on a phone call with Equifax they do not allow unfreezing of my credit over the phone without my key or at the very least a phone call or text, but they said that was not their business practice. So I expect I may have my credit unfrozen in the future. 

I also discovered someone convinced Equifax to change my phone number on file and changed my username and password on their portal. 

It requires many hours of waiting on the phone to speak to anyone and I was not satisfied I am any safer from identity theft after speaking with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-05-12 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I financed a XXXX XXXX XXXX through GM Financial. The vehicle was repossessed on XX/XX/XXXX, in XXXX, XXXX, and GM Financial has since reported the account as a repossession with a {$10000.00} deficiency balance. 

I disputed the accuracy of this entry with the credit bureaus, but they verified it without providing sufficient evidence. I then requested a Method of Verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ), which requires a reasonable reinvestigation, but no supporting documentation was provided. 

GM Financial responded on XX/XX/XXXX, stating that a Notice of Our Plan to Sell Property was mailed on XX/XX/XXXX, and citing XXXX  law, which does not require a cure notice. However, the repossession occurred in XXXX, not XXXX, and GM Financial is headquartered in XXXX. Therefore, XXXX  law governs this transaction. 

According to XXXX  XXXX XXXX XXXX XXXX XXXX, a secured party must provide an authenticated notification after repossession and before disposition of collateral ( the vehicle ). This notice must include : The time and method of sale The terms of the sale The debtors right to redeem the vehicle This notice must be properly delivered, with documentation to confirm compliance, such as certified mail receipt or tracking. 

I never received this notice, and GM Financial has failed to provide any verifiable proof of mailing or delivery. Without this documentation, the repossession and subsequent deficiency may be legally improper and unenforceable. 

Furthermore, under FCRA 1681s-2 ( a ) ( XXXX ) ( A ), furnishers of information must not report information they know to be inaccurate or incomplete, and under FCRA 1681s-2 ( b ), they are required to conduct a thorough investigation and correct or delete any information that can not be verified. XXXX XXXX failure to verify and correct the disputed information may also violate these provisions. 

Additionally, XXXX XXXX XXXX XXXX ( a ) ( XXXX ) prohibits debt collectors from using false or misleading representations of the character, extent, or amount of a debt. Reporting a legally questionable deficiency balance without confirming the required notice was properly delivered may violate this statute. 

Because of these violations, I dispute the validity of the sale, the legality of the deficiency, and the accuracy of the credit reporting. I respectfully request that this entry be removed from my credit report unless GM Financial can provide clear, documented proof that they complied with XXXX  XXXX XXXX XXXX XXXX XXXX and the XXXX accuracy and verification requirements.

Company response to consumer: Closed with explanation