vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: CA

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts reported on my credit file, which I believe to be inaccurate or incomplete. I respectfully request that these entries be investigated and corrected as needed. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX  Date : XX/XX/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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: RENASANT CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> customer requested a wire transfer of {$20000.00} from XXXX XXXX  to Chase Bank. Upon completing the transfer, the customer realized it was a fraudulent transaction and called the bank to stop or return funds. The bank manager was at lunch and the request was not conveyed for an hour or so. XXXX states that they have contacted Chase to inquire status of the wire, but have received no information. Customer has not received any follow up from XXXX or Chase regarding fraud investigation, or status of wire. XXXX has stated that because the bank did not lose funds, they are not investigating or reporting it to the FBI. Chase has not responded to XXXX, or at least XXXX has not conveyed any information and customer has not been contacted by Chase fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: OK

Complaint narrative:
The vehicle was voluntarily surrendered after I fell behind on payments. I tried to work out the problem with the lender, but the only choices given were repossession or pay off the balance. I voluntarily surrendered the vehicle and received notice that it would be sold at auction. The proceeds were never deducted and when I contacted the company, the loan was still open and accruing interest. Their collection department refused to tell me the price the vehicle was sold for and the loan still looks open. I offered to pay off the loan in full as I was trying to refinance my home. I asked if I paid them, would they provide me with me a vehicle since I had surrendered the original and they had already sold it They said no, that meant I had only fulfilled my contract and even though they had the car in question and had sold it, they were not obligated to provide me another vehicle. In essence, yes pay off this vehicle we have and already received money for the sale, but you get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. These accounts are being reported as charged-off, and I request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Global Lending Services LLC
State: CA

Complaint narrative:
I am filing this complaint regarding Global Lending Services ( GLS ) for illegal debt collection practices, failure to validate a disputed debt, and wrongful withholding of my vehicle title despite the loan being paid in full.

1. My loan was paid in full as of XXXX XXXX  The contractual note amount for my loan was {$22000.00}. 
GLS 's own payment history confirms that my cumulative actual payments ( all amounts listed in parentheses ) total : {$28000.00} This means I paid more than {$6500.00} over the note amount, and more than {$19000.00} over the principal, fully satisfying the contract long before GLS claimed any remaining balance. 
Despite this, GLS continues to demand additional payments and continues adding late fees long after the loan was paid. 

2. GLS has never provided hard evidence that I owe any remaining balance I have repeatedly requested : A complete and accurate accounting Documentation that explains the alleged remaining balance An amortization schedule Loan payoff calculations Proof of legally valid unpaid fees GLS has provided none of these. 

The only documents I have received, are incomplete payment summaries which actually prove the loan is paid off, not the opposite. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Reg Z, a creditor must provide validation of any disputed debt. GLS has failed to do so.

3. GLS is attempting to collect amounts not permitted by my contract GLS is claiming I owe thousands of dollars in late fees.

I have been trying to resolve this for a year and they will not provide the information I have requested.

GLS is continuing to charge me XXXX XXXX  per day as interest on a loan that is paid in full. 
GLS has also treated my contract as a pre-computed loan AND simple interest loan. 
Because my loan was paid in full months ago, GLS is required under state and federal law to release the title. 

Instead, GLS continues to : refuse to close the account refuse to release my title continue reporting an inaccurate, derogatory balance continue demanding payments without proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Dear Sir/Madam, I am writing to dispute certain information that has appeared on my credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 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: GA

Complaint narrative:
I am submitting this CFPB complaint because Experian is reporting multiple items on my credit report that are inaccurate, unverifiable, or associated with incorrect personal information. 

1. Incorrect / Outdated Previous Address Experian is reporting a previous address that I do not recognize. I request verification and removal of any address that can not be validated as mine.

2. Charged-Off Accounts with Inaccurate or Unverified Information The following Experian entries contain incorrect dates, balances, or unverifiable information : XXXX XXXX XXXX Acct XXXX, Reported XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, Acct XXXX, Reported XX/XX/XXXX, {$550.00} XXXX XXXX XXXX, Acct XXXX, Reported XX/XX/XXXX, {$3800.00} I dispute the accuracy, ownership, balances, and reporting dates. These furnishers have not provided validation. I request Experian conduct a proper FCRA reinvestigation and delete the accounts if they can not be fully verified. 

3. Improper or Unrecognized Hard Inquiries Experian is reporting several inquiries that I do not recall authorizing or for which there may be no permissible purpose : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting documentation proving permissible purpose for each inquiry. Any inquiry that can not be verified should be removed. 

I request that Experian comply with all FCRA obligations and remove any information that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am filing a dispute concerning the following accounts that appear on my credit report. I am requesting that the necessary actions be taken to rectify these discrepancies. 

Experian ( EX ) Disputes : Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-11-14 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: NC

Complaint narrative:
I am submitting this dispute statement regarding my credit reports from the three major credit bureaus. Below are the accounts in dispute, which I believe contain inaccuracies and require correction. I request that these disputes be resolved promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$880.00} Dispute Reason : This account was reported as charged off, and I believe the balance is inaccurately reflected. I request verification of the balance and any supporting documentation related to this charge-off. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX Date XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second request for this account to be deleted. This account is inconsistent between the big 3 CRAs. Violating multiple FCRA laws mentioned in letter I provided. Including FCRA 611 for no response in 30 days. Please Delete immediately. I have also attached a screenshot highlighting the inconsistencys of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This is my second request for this account to be deleted. This account is inconsistent between the big 3 CRAs. Violating multiple FCRA laws mentioned in letter I provided. Including FCRA 611 for no response in 30 days. Please Delete immediately. I have also attached a screenshot highlighting the inconsistencys of the account

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