vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
b'this company Equifax is still reporting a collection account  XXXX with XXXX  that has not been verified. I disputed this alleged account with Equifax 7 times since XXXX  Everytime i dispute it comes back within 14 days stating that the account  has been verified. the company XXXX  was sent a debt validation letter in XXXX XXXX  , which they received on XXXX it was mailed certified mail XXXX, i have a tracking # XXXX XXXX XXXX XXXX XXXX   so i know they received it. i disputed in XXXX XXXX XXXX conformation #XXXX  came back as VERIFIED, disputed XXXX XXXX came back as VERIFIED  , disputed on XXXX  conformation #  XXXX   10 days later came back as VERIFIED, disputed on XXXX conformation # XXXX   7 days later came back as VERIFIED , disputed on XXXX XXXX  12 days later came back as VERIFIED, disputed on XXXX conformation # XXXX  came back as VERIFIED 8 days later,  disputed on XXXX conformation # XXXX   came back as VERIFIED 8 days later , disputed on XXXX  conformation # XXXX came back as VERIFIED 14 days later , disputed on XXXX conformation # XXXX  came back as VERIFIED 12 days later disputed on XXXX  conformation # XXXX  . im demanding this account be removed  . this company had 6 months to properly investigate and verify this account which i believe they have not properly investigated .I would like to know how ALL these disputes have been investigated and verified  with in 2 weeks each when i requested documentation that proves ownership of alleged  account that Equifax  claims has been verified. Im giving 14 days to remove from credit report or a claim will be filed in federal court . you will be sued over these  violations. under U.S codes 15 usc 1692c  , 15 usc 1681q , 15 usc 1692e and 15 usc 1681e ..  This account was removed from XXXX  in XXXX XXXX removed from XXXX XXXX XXXX  because it can not be verified with the PROPER DOCUMENTATION which EQUIFAX  keeps stating that it has been verified. Im demanding Proper documentation be provided or remove from credit report'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-11 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-11 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL

Complaint narrative:
This is a continuation of my prior CFPB Complaint ID XXXX / XXXX ( Global Holdings LLC ) filed XX/XX/2025. That matter was closed, but serious violations have continued and escalated. 

After my XX/XX/2025 program graduation, I submitted a written request on XX/XX/2025, for immediate account closure and suspension of all XXXX access. On XX/XX/2025, XXXX XXXX confirmed in writing that my account was closed and a refund check for {$8200.00} would be mailed. However, in a separate email that same day, they admitted the account was only in pending closed status until the check was deposited ( leaving backend access intact ). The check was cashed on XX/XX/2025, yet XXXX failed to actually close the account. 

Despite these promises, my account remained active in XX/XX/2025, enabling XXXX to initiate unauthorized ACH payment attempts to my XXXX XXXX XXXX. These included a {$330.00} attempt on XX/XX/2025 ( returned by my bank ) and further payment activity on XX/XX/2025. On that same date, my XXXX XXXX account still displayed ACTIVE status a full 18 days after the refund was cashed and nearly a month after the closure confirmation. 

The company provided information in response to my XX/XX/XXXX request, but it was false and misleading. This is a blatant failure to provide the promised service of final account closure, and a serious misrepresentation to me and to regulators. 

XXXX XXXX has committed multiple violations : XXXX. Failure to close my account after written confirmation. 

XXXX. Continuing to XXXX XXXX backend access after program completion and POA revocation upon graduation. 

XXXX. Allowing unauthorized ACH payment attempts post-closure. 

XXXX. Providing false and misleading information in response to my closure and information requests. 

I will not speak with XXXX under any circumstances due to their history of deception and manipulation throughout my program. If XXXX XXXX truly needs to communicate with me, it must be in writing only. That said, there should be no need to contact me at all. This account must be permanently closed, backend access revoked, and no further activity attempted. 

Attachment PDF includes : Global e-mail correspondence regarding cancellation and account closure ( XX/XX/XXXX e-mail that states account will show closed once check cashed ), XXXX XXXX attempts from XXXX account on XX/XX/XXXX & today XX/XX/XXXX. And lastly a print out from my XXXX account that shows my account is still listed as 'active ' as of today, XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Im not liable for these accountsthey must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau and Federal Trade Commission, I am writing to file a formal complaint regarding an erroneous item on my credit report, which is the result of an error by XXXX XXXX, a property management company, and their reporting to National Credit Systems. This inaccurate entry is causing significant harm to my financial standing, and I am seeking your assistance to ensure its prompt removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Actions Taken : I have contacted XXXX XXXX numerous times, requesting the immediate correction of this error and the issuance of a letter confirming its removal. I have attached a copy of my credit report highlighting the erroneous item and my correspondence with XXXX XXXX for your reference. Despite my efforts, the error remains unresolved, prompting this complaint. 

Violations of the FCRA : Under the FCRA, furnishers of information, such as Asset Living, are required to ensure the accuracy of data reported to credit reporting agencies ( 15 U.S.C. 1681s-2 ). By failing to correct this inaccurate entry, XXXX XXXX and National Credit Systems are in violation of their obligations, causing ongoing harm to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Historical context and backdrop : In XXXX  I ended the lease for a XXXX XXXX with Ally leasing. The account was XXXX and it was at the least term. In this account, there were several issues at the end of the lease because of highway tolls and the inability to pay tolls via Ally, because they sent me a multi-bill with the information of 20 other people, but no information that would allow me to access the toll bill, and then put me into collections. Simultaneously, the XXXX of NY was getting ready to cancel my current registration because of failure to pay. It took over 50 hours of my life to straighten this out complete with calls to Ally. the AG 's Office in New York, Tolls by Mail Supervisors, and of course XXXX XXXX. 

All of this in addition to the fact that the XXXX XXXX was sold at auction for a mere $ XXXX a few days after I complained against a long standing Ally member in Florida, XXXX XXXX, of the tolls department in XXXX Florida, for not helping me, or getting back to me about how to get these toll bills paid and sending me documents, regarding all of these other folks that went through the toll the same day -- that were also Ally consumers. I felt it was a privacy violation and making that known, really just screwed me over on the re-sale price because warranty repair work had been completed on the XXXX along with new tires installed and new brakes to the tune of XXXX in parts and labor. And there was nothing on this " multibill '' that came from Ally, from the NY XXXX XXXX that would help me pay the toll online. So. Long story short. Complaining against this person really just put me on their XXXX list, even though, I was probably right. 

Substance of the complaint. At the end of the lease I owed ~ {$4500.00} with over mileage and agreed to a payoff of {$2500.00} or so, maybe {$2700.00}. Ally failed to tell me this would substantially damage my credit and they knew my wife is recovering from XXXX And also knew I have a documented XXXX. I feel that if Ally Financial via their auto division offered me this " Deal '' they should also tell me how it could affect me which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

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 2025-08-11 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:
According to USC 1681g, these accounts must be removed in 15 daysthey 're not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-11 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-08-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal
information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
So when I was attending Georgia XXXX XXXX my mom helped me with my financial aid. From my knowledge when I was taking out a loan for my education. I had a cosigner and everything because I needed one to get a loan ( had no credit ). So I went to school and still owed. To my understanding my mother handle everything so I just worried about going to school. I was only there for my general studies. I had intentions to go to another school after I finished my core classes. I can assure you I never needed XXXX to go to that school. Even when with the multiple times I had to take classes I never accumulated that total. I assumed it to just be the cost of going to school but I later found out I never owed the school that amount. I have let my mom handle the load till now and it has been going up in price since. it's now up to XXXX and defaulted. I am at risk of garnishment without ever needing the loan or using it to my benefit. This was misused and was handled incorrectly. I shouldn't be owing any school.

Company response to consumer: Closed with explanation