vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Neighborhood Autos, LLC
State: TX

Complaint narrative:
Paid off my truck in XXXX, never missed a payment, and they promised the title would be mailed. Two months laternothing. When I called, suddenly it was mailed and now they want me to pay AGAIN for a lost title. Absolutely ridiculous. This company has shown me they are dishonest and unreliable. I asked for a manager to call me, but based on this experience, Im not holding my breath. I wont be buying from them again or recommending them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within XXXX ( XXXX ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported.

I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2025-12-09 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent your office, by certified mail # : XXXX, a Debt Validation and Cease-and-Desist Letter pursuant to 15 U.S.C. 1692g ( b ) and 1692c ( c ) ( 12 C.F.R. 1006.34 and 1006.6 ). Delivery was confirmed on XX/XX/XXXX by rep : XXXX XXXX. 
Despite that notice, your firm filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Georgia XXXX XXXX Case No. XXXX, and no validation of the alleged debt has ever been provided. 
Background The certified letter expressly disputed the alleged debt and ordered you to cease all collection activity pending proper validation. 
You continued collection through litigation. 
You and/or your client also furnished or maintained negative credit data without identifying the account as disputed. 
These acts violate federal consumer-protection statutes as detailed below. 
Confirmed Violations 1. 15 U.S.C. 1692g ( b ) Continuing collection activity after written dispute.

2. 15 U.S.C. 1692c ( c ) Failure to honor a cease-and-desist directive.

3. 15 U.S.C. 1692e ( 2 ) ( A ), ( 10 ) False or misleading representations in litigation filings.

4. 15 U.S.C. 1692f ( 1 ) Unfair and unconscionable collection methods.

5. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report the account as disputed.

6. 15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct inaccurate data after notice.

Damages and Remedy Sought The FDCPA provides for statutory damages up to {$1000.00} per action, PLUS actual damages and attorneys fees. 
The FCRA provides statutory damages up to {$1000.00} per willful violation, XXXX actual, punitive, and attorneys fees. 
Your conduct has caused documented financial and emotional harm, including denial of credit, loss of HELOC eligibility, and bankruptcy. 
To resolve this matter without litigation, I am willing to settle all claims for {$25000.00}. 
Please confirm in writing within XXXX business days of receiving this notice that you will : 1. Compensate me in the amount stated or provide a reasonable counteroffer If I do not receive a satisfactory written response within that period, I will proceed to file a civil complaint in the U.S. District Court, Middle District of Georgia ( Valdosta Division ) seeking full statutory, actual, punitive damages, and costs.

Reservation of Rights Nothing in this correspondence waives any rights or remedies available under state or federal law. 
All rights are expressly reserved under UCC 1-308. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
I am the consumer who submitted this CFPB complaint, and I am confirming that I filed it myself. There is no third party acting on my behalf, and no one else is involved in preparing or submitting this complaint. 

Please remove the unauthorized third party flag and allow the company to proceed with responding. I am fully able to verify my identity and authorize all communication needed to resolve this matter. 

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 2025-12-09 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: NY

Complaint narrative:
I have no connection with these accounts ; they need to be erased within 15 days as per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-09 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-09 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: FL

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: MD

Complaint narrative:
I made a purchase through XXXX for services rendered by XXXX Strands ( XXXX ) in XXXX, VA. The vendor decided to cancel the original agreement to fix my service and agreed to give me a partial refund for the total service rendered which was {$950.00}. However she only sent {$250.00} to XXXX. Despite me providing documentation to XXXX they refuse to hold the merchant accountable and want me to be responsible for the remaining payments on the account. I have tried to reach the merchant but they are unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am eligible for federal student loan forgiveness from a student loan in XXXX. I reached XXXX payments in XXXX of XXXX with Mohela. The US Department of Ed shows a green banner stating that I have successfully met my obligation. I requested a recount as this information is not on Mohela 's site. 
During the recount, Mohela indicated my payments in XX/XX/XXXX and XX/XX/XXXX as ineligible due to forbearance. Mohela did not place may accounts in forbearance until XX/XX/XXXX. 
I have reached out to Mohela several times without any communication back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : XXXX XXXX Accounts in Dispute : None listed. 

Inquiries in Dispute : XXXX INDIGO Date : XX/XX/XXXX COAF Date : XX/XX/XXXX COAF Date : XX/XX/XXXX CPS Date : XX/XX/XXXX CPS Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments in Dispute : XXXX XXXX CO Account Number : 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 2025-12-09 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: WI

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : 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 2025-12-09 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: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-09 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief