vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX at approximently XXXX i received a called from an account manager by the name of XXXX XXXX I explained numerous of time prior to today about my hardship and i just keep getting threats of picking up the vehicle. I get threats saying well they are coming to get the car, in which causes me anxiety. I know and take accountability to that fact of me having an obligation to make payments in a timely manner. But in my situation, as in many others situation, i cant help the fact that I am having a hardship as a single mother of 2 kids that recently was hospitalized for personal reasons. I explained to this company that I was recently hospitalized and was out of work and needed some time to just get back to work to make money. I have not had an extension since possibly XXXX. I get calls over 10 calls in a day making threats and harrassing me to pick up the vehicle. I even spoke with the vice president of services to try to reason with him that i just needed a few more days and i was told they cant stop the repossession on the car. I am just asking for an extension to allow me a few more days to be able to get the money for the vehicle. I have been with this company since XXXX and its not my fault that COVID hit the state so hard especially during a time I was pregnant. I am still suffering from having issues from developing covid. This company will harrass you every day starting at XXXX until they close. Its so tramatizing to know they you can be out at a doctors appointment or even grocery shopping and company you been in communication with. just disregard your hardship and still attempt to make threats about picking up a car. Even going to the extent of saying " when the tow company call your phone answer so you can hand them over the keys '' thats really wrong to now have the tow company call and start harrassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing in regard to an outstanding balance that has been reported related to my previous tenancy at XXXX XXXX XXXX XXXXXXXX ], located at [ XXXX XXXX XXXX XXXX ], where I resided until [ XX/XX/XXXX ]. 

At the time of my move-out, during the height of the COVID-19 pandemic, I submitted my final rent payment ( s ) via money orders. Due to the circumstances and office closure protocols in place at that time, I was advised to slip the money orders under the office door on [ XX/XX/XXXX ], which was the official move-out day. Unfortunately, I have recently been made aware that there is a debt being reported, suggesting that these payments may not have been received or processed. I want to clarify that I made a good-faith effort to fulfill my financial obligation and would like to resolve this matter as fairly and quickly as possible. While I understand the challenges posed by the pandemic may have led to complications in handling physical payments, I respectfully request a review of the payment records around that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-07 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: MD

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit Card Account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit Card Account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a mobile credited account opened at XXXX XXXX on XX/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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ) and 15 U.S. Code 1681s-2 ( Responsibilities of Furnishers of Information ).

I have submitted multiple disputes, yet Experian continues to report negative information without proper verification. The following accounts are being reported inaccurately or without full validation : The following accounts contain inaccurate or unverified information : XXXX. XXXX XXXX XXXX Acct XXXX XXXXXXXX Opened XX/XX/XXXX | XXXX : {$21000.00} XXXX. XXXX XXXX Credit Card Acct XXXX XXXXXXXX Opened XX/XX/XXXX | XXXX : {$900.00} XXXX. XXXX XXXX Acct XXXX XXXXXXXX Opened XX/XX/XXXX | XXXX : {$0.00} XXXX XXXX XXXX  Secured loan with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$7500.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX0 | Balance : {$460.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX | Balance : {$840.00} XXXX. XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
8. Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$1900.00}. 
9. Collection account from XXXX XXXX XXXX XXXX with accounXXXX XXXX XXXXXXXX and a balance of {$3500.00} 10. Collection account from XXXX XXXX XXXX account XXXX XXXXXXXX and a balance of {$1900.00} 11. Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of XXXX 12. Collection account from XXXX XXXX XXXX ( Orig. Creditor : XXXX XXXX ) This debt is not recognized. I demand proof that this collector owns the debt and has legal authority to collect. 
Per FCRA 1681i ( a ), credit reporting agencies must complete a reasonable investigation within 30 days and delete or correct any unverifiable information. Experian has failed to do so despite repeated disputes.

I am requesting that the CFPB investigate Experian for their failure to comply with federal law and for continuing to report inaccurate or unverified information that negatively impacts my credit profile.

Thank you for your attention to this matter.

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 2025-07-08 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/25 I traded in our Kia vehicle. A payoff amount letter was provided by Kia Finance with an end date of XX/XX/25 for the new vehicle dealership to submit the payoff. The payoff amount plus an additional amount was submitted and registered 2 days before the end date or XX/XX/25. Kia finance has refused to close my account and provide the vehicle title to the dealership but has added an additional {$1400.00} to the loan amount. Kia finance refuses to have a representative with any authority to mend this issue contact me or the new vehicle dealership. So my account and the title are hostages to Kia Finance.

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 2025-07-07 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: MI

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
15usc1692g I asked that i want them to send me a detailed full list of the payment history on this account, to see the original signature that I agreed, any insurance claim on this, to see the tittle you have to collect on this debt. 
Has been a full 6 months since XX/XX/year> and i have not received what i asked for.

They sold my personal information without my consent! They have not investigated properly they keep verifying the account as accurate.

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

Complaint narrative:
Equifax is reporting an XXXX XXXX XXXX XXXX account on my credit report that has previously been removed for identity theft but somehow the account was re-added after it being taken off for fraud. please remove this fraudulent account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been brought to my attention that seven late payments have been reported on my credit file in association with my account at XXXX XXXX XXXX XXXX XXXX ( [ Account number : XXXX ). After thoroughly reviewing my credit report, I believe this information is inaccurate or materially misleading based on mitigating factors, including my verified exposure in a national data breach. 

As a result of this breach, my personal and financial information was compromised, leading to unforeseen disruptions in account access and payment processing during the period in question. I have since worked diligently to secure my accounts and maintain timely payments. 

In accordance with my rights under federal law, I am requesting a full investigation and deletion of the aforementioned derogatory marks. The following legal provisions support this request : FCRA 1681i ( a ) Requires reinvestigation of any item disputed by a consumer and mandates removal if unverifiable or incomplete.

FCRA 1681e ( b ) Ensures credit reporting agencies uphold the highest possible standards of accuracy, especially where broader context may render technically accurate data misleading.

FCRA 1681s-2 ( b ) Requires furnishers to properly investigate disputes and remove unverifiable or inaccurate data once notified by the bureaus.

TILA 1666b Addresses billing fairness and may apply where access to statements or account maintenance was impaired by factors beyond the consumers control.

12 U.S.C. 5531 ( CFPA ) Protects consumers from unfair and abusive data reporting practices, especially where hardship stems from external threats such as cybersecurity breaches.

CARES Act Section 4021 Establishes precedent for modifying derogatory credit reporting in times of national disruption.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been brought to my attention that seven late payments have been reported on my credit file in association with my account at XXXX XXXX XXXX XXXX XXXX ( [ Account number : XXXX ). After thoroughly reviewing my credit report, I believe this information is inaccurate or materially misleading based on mitigating factors, including my verified exposure in a national data breach.

As a result of this breach, my personal and financial information was compromised, leading to unforeseen disruptions in account access and payment processing during the period in question. I have since worked diligently to secure my accounts and maintain timely payments.

In accordance with my rights under federal law, I am requesting a full investigation and deletion of the aforementioned derogatory marks. The following legal provisions support this request : FCRA 1681i ( a ) Requires reinvestigation of any item disputed by a consumer and mandates removal if unverifiable or incomplete.

FCRA 1681e ( b ) Ensures credit reporting agencies uphold the highest possible standards of accuracy, especially where broader context may render technically accurate data misleading.

FCRA 1681s-2 ( b ) Requires furnishers to properly investigate disputes and remove unverifiable or inaccurate data once notified by the bureaus.

TILA 1666b Addresses billing fairness and may apply where access to statements or account maintenance was impaired by factors beyond the consumers control.

12 U.S.C. 5531 ( CFPA ) Protects consumers from unfair and abusive data reporting practices, especially where hardship stems from external threats such as cybersecurity breaches.

CARES Act Section 4021 Establishes precedent for modifying derogatory credit reporting in times of national disruption.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been brought to my attention that seven late payments have been reported on my credit file in association with my account at XXXX XXXX XXXX XXXX XXXX ( [ Account number : XXXX ). After thoroughly reviewing my credit report, I believe this information is inaccurate or materially misleading based on mitigating factors, including my verified exposure in a national data breach. 

As a result of this breach, my personal and financial information was compromised, leading to unforeseen disruptions in account access and payment processing during the period in question. I have since worked diligently to secure my accounts and maintain timely payments.

In accordance with my rights under federal law, I am requesting a full investigation and deletion of the aforementioned derogatory marks. The following legal provisions support this request : FCRA 1681i ( a ) Requires reinvestigation of any item disputed by a consumer and mandates removal if unverifiable or incomplete.

FCRA 1681e ( b ) Ensures credit reporting agencies uphold the highest possible standards of accuracy, especially where broader context may render technically accurate data misleading.

FCRA 1681s-2 ( b ) Requires furnishers to properly investigate disputes and remove unverifiable or inaccurate data once notified by the bureaus.

TILA 1666b Addresses billing fairness and may apply where access to statements or account maintenance was impaired by factors beyond the consumers control.

12 U.S.C. 5531 ( CFPA ) Protects consumers from unfair and abusive data reporting practices, especially where hardship stems from external threats such as cybersecurity breaches.

CARES Act Section 4021 Establishes precedent for modifying derogatory credit reporting in times of national disruption.

Company response to consumer: Closed with explanation