vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for continued reporting of inaccurate and misleading tradeline information to the major consumer reporting agencies ( Experian and XXXX ). 

Despite my previous attempts to resolve this matter, XXXX continues to report a derogatory tradeline on my credit report with a balance that is no longer valid. This tradeline should reflect a {$0.00} balance and be marked sold in accordance with federal credit reporting laws and Metro 2 CDIA data reporting standards. However, XXXX has failed to : Correct the tradeline following the sale or charge-off of the debt ; Update the status to reflect accurate ownership and balance ; Remove derogatory remarks that no longer apply ; Comply with proper data formatting as outlined in Metro 2 , including Field 17A ( Sold to Another Lender ), Field 21 ( showing {$0.00} balance ), and Field 11 ( Special Comment Code AU ).

These failures have materially damaged my credit score, restricted access to financial opportunities, and caused emotional distress and economic harm.

This conduct constitutes violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information ; 15 U.S.C. 1681i : Failure to reasonably investigate consumer disputes.

Additionally, this false and misleading reporting rises to the level of unfair and deceptive trade practices and warrants investigation under both federal and state consumer protection laws.

I have also submitted a fraud report with the Federal Trade Commission and submitted copies o the Bureaus and XXXX to no avail response other than its been verified. 

Relief Requested : I respectfully request that the CFPB : XXXX XXXX XXXX XXXX XXXX reporting practices ; Enforce compliance with FCRA and Metro 2 guidelines ; Require immediate permanent deletion of the inaccurate tradeline ; Impose penalties as appropriate for non-compliance.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for continued reporting of inaccurate and misleading tradeline information to the major consumer reporting agencies ( XXXX and Equifax ). 

Despite my previous attempts to resolve this matter, XXXX continues to report a derogatory tradeline on my credit report with a balance that is no longer valid. This tradeline should reflect a {$0.00} balance and be marked sold in accordance with federal credit reporting laws and Metro 2 CDIA data reporting standards. However, XXXX has failed to : Correct the tradeline following the sale or charge-off of the debt ; Update the status to reflect accurate ownership and balance ; Remove derogatory remarks that no longer apply ; Comply with proper data formatting as outlined in Metro 2 , including Field 17A ( Sold to Another Lender ), Field 21 ( showing {$0.00} balance ), and Field 11 ( Special Comment Code AU ).

These failures have materially damaged my credit score, restricted access to financial opportunities, and caused emotional distress and economic harm.

This conduct constitutes violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information ; 15 U.S.C. 1681i : Failure to reasonably investigate consumer disputes.

Additionally, this false and misleading reporting rises to the level of unfair and deceptive trade practices and warrants investigation under both federal and state consumer protection laws.

I have also submitted a fraud report with the Federal Trade Commission and submitted copies o the Bureaus and XXXX to no avail response other than its been verified. 

Relief Requested : I respectfully request that the CFPB : Investigate XXXX XXXX XXXX XXXX reporting practices ; Enforce compliance with FCRA and Metro 2 guidelines ; Require immediate permanent deletion of the inaccurate tradeline ; Impose penalties as appropriate for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
This letter serves as my XXXX  FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within XXXX days ( or XXXX days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies XXXX be deemed willful noncompliance, subjecting your organization to civil liability under XXXX XXXX. XXXX and statutory XXXX, punitive XXXX, attorneys ' fees, and actual XXXX under the law. 

Demand : I am demanding the following : - XXXX deletion or correction of the disputed information ; - Written confirmation of such correction within XXXX days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX, IL 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 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2024 and XXXX, 2024. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Subject : Second Attempt Request for Removal of Inaccurate Information Dear : TransUnion Representative, I am writing regarding an item on my credit report that I previously disputed but has not yet been corrected or removed. This is my second attempt to resolve this matter. Please be advised that the information listed below is inaccurate and must be corrected or deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Item Details : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason for Dispute : NOT MY ACCOUNT Despite my prior dispute submitted on XX/XX/year> this inaccurate information remains on my credit file. I am requesting that you conduct a reinvestigation into this account and provide documentation verifying the accuracy and ownership of the account. If you can not provide proper verification within 30 days, I request that the account be deleted from my credit report. 

Please update me in writing upon completion of your investigation. Enclosed are copies of any supporting documents to assist in your review. 

Thank you for your attention to this matter. I expect a timely response in compliance with federal law. 

Sincerely, XXXX XXXX XXXX : Copy of drivers license or government-issued ID Proof of address ( utility bill, lease, etc. ) Any documentation supporting your dispute

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 2025-06-13 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: CA

Complaint narrative:
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 XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( XXXX ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a credit card opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-12 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XX/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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Global Lending Services has the worst customer service staff and managers. Especially the one I spoke with today on XX/XX/scrub> 2025 at or around XXXX. She was extremely rude. I have a total of XXXX dollars in late fees which im aware of, but ive made extra payments to have these late fees taken care of, I was just told today that my extra payments go towards the next car payment and doesnt take care the late fees I have to call and say thats what I want, which doesnt make any sense, Ive called numerous of times and was told several different things, also the manager also says that i have a late fee because the payment went 30 days which I was told it had to be before I could do a deferment which she said wasnt the case. Ive been going back and forth with this company about this balance all I get is attitude and no help and transfered or told what I want to hear and nothing happens. I am sick of dealing with these uneducated XXXX  XXXX. I get no help whatsoever when i call but they blow you up when they want a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Im writing to address a serious violation of my privacy and consumer rights. I recently discovered that a company has pulled my credit without my knowledge or permission. Let me be absolutely clear : I never applied for credit with this company, nor did I authorize them verbally, in writing, or electronically to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Im writing to address a serious violation of my privacy and consumer rights. I recently discovered that a company has pulled my credit without my knowledge or permission. Let me be absolutely clear : I never applied for credit with this company, nor did I authorize them verbally, in writing, or electronically to access 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 non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Request for account blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1 ). Identity Theft XXXX XXXX XXXX  Account number : XXXX Please remove this inaccurate information from my credit report 2 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 3 ). Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 4 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 5 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 6 ). Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report 7 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 8 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 9 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 10 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 11 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 12 ). Identity ThefXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Request for account blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1 ). Identity Theft XXXX XXXX XXXX  Account number : XXXX Please remove this inaccurate information from my credit report 2 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 3 ). Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 4 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 5 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 6 ). Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report 7 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 8 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 9 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 10 ). Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 11 ). Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report 12 ). Identity ThefXXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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 non-monetary relief