vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXXXXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-14 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: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  OF M Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : 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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: UT

Complaint narrative:
I originally had a fixed APR loan with Tally, and they transferred the servicing of my account to SST ( Systems & Services Technologies , Inc. ). I received an email from SST confirming that my loan terms would remain the same. However, after the transfer, SST began charging me interest daily ( ~ $ XXXX ), which is a much higher APR than I had with Tally. 

Additionally, SST began reporting this loan to credit bureaus XXXX never did and I was never informed or given the chance to opt in or out. 

I never signed any new agreement with SST. The only thing they may have on file is an authorization to debit account, which is not consent to new terms or reporting. My payments have remained the same, and I have not missed any.

I am requesting that the CFPB investigate : Why SST changed the loan terms without my permission. 

Why they are reporting to credit bureaus when that was not part of my original agreement. 

How they are calculating interest. 


-Researching online it looks like many people are experiencing issues with SST. Hoping a class action law suit is in the works

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute multiple billing and reporting errors that are negatively impacting my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are required to accurately apply payments and report account information. However, I have identified serious discrepancies, including unrecorded payments and calculation errors in reported balances.

Moreover, I was not provided with the mandatory 21-day advance notice prior to a due date, which invalidates any late payment marks under federal law. These reporting failures are unjust and constitute a direct violation of my consumer rights.

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 2025-07-14 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: NY

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns a charge-off account reported under Account Number : XXXX, which I do not recognize not did I authorize In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation request as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. They responded with a summary of the alleged debt but failed to provide the legally required documentation, including a signed contract, itemized account history, and proof of assignment from the original creditor ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They continue to report this unverifiable debt to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). I am requesting full validation, immediate deletion from my credit report, and an investigation into their continued reporting of unverified and inaccurate information.

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 2025-07-14 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MO

Complaint narrative:
In the fall of 2024 I briefly explored purchasing an insurance agency. The brand was XXXX XXXX. I did not move forward and NEVER opened or owned a XXXX XXXX agency. 
7 months later I start receiving phone calls from a company called RMS who said I owe Farmers {$2900.00}. I told them this had to be incorrect because I never opened an agency with XXXX and didn't purchase anything from them. The lady was rude and kept giving my innuendo threats that " they would have to take action ''. I requested a detailed explanation in writing. A few days later I received something but it didn't give any details. It just said balance due, but didn't explain what I supposedly owed money for. 
I called the district manager at XXXX and he said I didn't owe anything. 

In accordance with my rights under the Fair Debt Collection Practices Act, I mailed a written dispute of the debt via the United States Postal Service ( USPS ). However, upon checking the tracking information for my letter, I was notified that the mail could not be delivered because the recipient had moved from the address provided. 
This situation is deeply unfair, as it denies me the ability to properly dispute the debt in writing within the required timeframe. I have no alternative address or method of contacting RMS to ensure my dispute is received and acknowledged. Additionally, I find it concerning that a debt collection agency would operate with an outdated or unreachable mailing address. 

I believe both RMS and XXXX XXXX are out of line and acting illegally. You can not tell someone they owe money, offer no details, and then give them a phony address. This is wrong! I have attached the post office notifications showing that RMS gave me a wrong address.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I made a {$500.00} cash deposit at one of the banks branches in XXXX. While the machine was processing the cash suddenly stopped working. I got no receipt. I was there for more than XXXX XXXX trying to figure it out. The bank managers said the atm was over only {$100.00} which is imposible. Banking institution is Prosperity Bank. They asked my if I was sure it was {$500.00}, imagine that how can I not be sure about an amount like that?! My money is still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
On XXXX XXXX, My wife and I, purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for {$18000.00} : GM Financial ( CA Finance Lender License # XXXX ) Financed me and my wife. See attached Bill of Sale : GM Financial also, enrolled us in Gap Insurance and deducted {$890.00} from our down payment of {$4000.00} : SEE attached Bill of Sale : XXXX XXXX, I was in a auto accident in which " XXXX XXXX XXXX '' client slammed into the back of my truck at fault. Then XXXX XXXX determined my truck was a totaled loss and sought to pay {$7500.00}, but refused to pay the total {$14000.00} that was remaining. WE asked XXXX to send the funds to GM Financial and that we'er retaining the truck XXXX refused stating " they wouldn't send the funds unless GM Financial send them a 'letter of guarantee. '' I called GM Financial and XXXX XXXX XXXX, and GM FINANCIAL stated that they will not send a letter of " guarantee '' until they receive the remaining payment of {$6000.00}, when I informed XXXX that GAP insurance would pay they repossessed my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've been with Barclaycard for over 10 years and I've never missed a payment. However I did miss a payment in XXXX. The missed payment was a direct result of Barclaycard changing my billing method from mailed statements to paperless. 

After I received the missed payment notification, I turned the account to auto pay and changed the billing method back to standard mailed invoices. The following day I received notification that my credit score was was slammed. It dropped from XXXX to XXXX. 

I've already been in contact with t credit diheir spute team. ( See my letter of XXXX XXXX XXXX ) In that letter pointed out that a payment that I missed was a direct result of the company making the statement delivery change. This is not something that I ever requested or would have agreed to. I'm XXXX XXXX XXXX and I don't live on the internet or depend on communicating via email. 

I don't believe that the person in the credit department actually read my letter, since they responded that they had found that I had actually missed the payment. That was not under dispute, I had to wait 30 days to receive this response and a further 30 days because they said they were going to notify the credit bureaus about this dispute. I waited the 30 days and there was no change to my credit score.

After making several phone calls to their customer service office, I have been unable to get this corrected. Its a pretty good reflection of their customer service that no one in the call center would disclose the name of the person responsible for their credit card division. There are no phone numbers for the office or the president. 

Incredibly, when talking to one of their agents on XXXX XXXX XXXX, I was told that my account had once again been turned back to paperless. 

I want this issue solved.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: ID

Complaint narrative:
My father was hacked and they tried to get money by saying I was in a car accident and was locked up. Thankfully he didn't fall for it.. However I then went and locked all of my accounts and experian charged me XXXX to lock my account when it is supposed to be a free service. Also with this charge they made it impossible to get ahold of someone via their IVR .. And they refused to refund me my money back. I don't need them to monitor my service. I don't need them to do anything other than lock my account... This is the second time I have had to place a complaint this week due to how companies are running thier business any more. They don't care about people they care about getting the money at any cost........ Experian should be shut down and put out of business. The govement shouldn't trust them with anything. They were hacked a few years back, and then want to charge people for services? REALLY? The govement should be held accountable as well.

Company response to consumer: Closed with explanation