vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Ally Financial regarding my auto loan and two unlawful repossessions involving my XXXX XXXX XXXX ( VIN : XXXX ) under account number XXXX, originated on XX/XX/XXXX. 

There are multiple violations of federal and state consumer lending laws : 1. Predatory and Non-Compliant Loan Terms : Ally issued a 75-month loan on a used vehicle, and critical disclosures such as APR, finance charges, and monthly payment schedule are listed as Unavailable. This appears to violate the Truth in Lending Act ( TILA ) and Regulation Z due to lack of transparency in loan terms. 
2. Two Repossessions Without Proper Notice : The vehicle was repossessed twice in XXXX ( XXXX and XXXX ). I paid to retrieve the vehicle after the first, but no cure period or proper notice was provided before the second. Ally failed to provide any pre-sale or post-sale notices regarding the auction or final balance, a potential violation of UCC Article 9 and state consumer law. 
3. Lack of Required Accounting and Disclosures : Despite nearly two years of payments, Ally is reporting a balance of {$14000.00}, without a clear breakdown. Their portal shows my payment history as Returned without explanation. I was not given the opportunity to cure the default or verify charges. They also failed to provide a proper payoff or deficiency explanation after the final repossession. 
4. Unlawful Reporting and Collection Practices : Negative credit reporting continues despite the account being in formal dispute. I submitted a debt validation and itemized breakdown request which was ignored.Requested Resolution : A complete audit and reconciliation of the account. 
Full disclosure of repossession documents, including auction sale info and fee application. 
Removal of all derogatory marks from my credit reports. 
Refund of any excess or unlawful charges. 
Investigation into Ally Financials compliance with federal lending laws. 
Contact Info for CFPB Form : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX., IXXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-14 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Kohls/ capital one reported me deceased in XX/XX/XXXX. Corrected it. They did it again XX/XX/XXXX along with XXXX other capital one accounts. Leaving me as deceased completely on credit reports. We are trying to purchase a home. I submitted my income and identification proof up to date XX/XX/XXXX proving the error. How are they doing this again. This is ruining my life. They need to be accurate in their reporting. This is a serious issue at hand. Time is of the essence. Which I don't have a lot of. Twice is not by any means acceptable. This company should be removed from being able to report any other information about me due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In 2018, I attempted to purchase a car at XXXX XXXX in GA. They ran my credit and told me that I was denied through Exeter Finance. I would have been on the loan with a co-signer. The co-signer did get the car, however I was left off of the car loan and the title to the car. I could not even obtain a title for the car as my name was not included. I have reached to Exeter Finance over the years but this account which is not mine is still reporting to the credit bureaus. I really need this resolved as it is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Tx XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Formal Dispute and Demand for Verification of Late Payment Notice of Intent to Take Legal Action To Whom It May Concern, This letter serves as a formal dispute and demand for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding an allegedly inaccurate late payment entry on my Experian credit report. 
Disputed Account Information : Creditor Name : Auto Nation Account Number XXXX Date of Alleged Late Payment : XX/XX/year> According to my personal records and knowledge, the above-referenced late payment is inaccurate, misleading, or unverifiable. Therefore, I demand a full reinvestigation and proper verification of this entry, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Pursuant to Federal Law, I Demand the Following : 1. Verification of Accuracy : Provide a detailed explanation of the procedures used to verify the late payment, including the specific methods, date of verification, and the name and contact information of the person or department that confirmed the information with the original creditor.

2. Supporting Documentation : Supply all documentation relied upon to confirm the accuracy of this alleged late payment. A mere statement from the furnisher that the account is accurate does not constitute verification under the FCRA.

3. Timely Reinvestigation : Under the FCRA, Experian has 30 days from the date of receipt of this notice to complete a reinvestigation of the disputed information. If the information can not be verified, it must be promptly deleted from my credit file, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notice of Legal Action : Should Experian fail to conduct a reasonable reinvestigation, or fail to provide proper verification and documentation within the time prescribed by law, I will consider this a violation of my rights under the FCRA and other applicable consumer protection statutes. In that event, I am prepared to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Initiate legal proceedings against Experian for actual damages, statutory damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o. 
This letter is being sent via certified mail with return receipt requested to establish a legal record of my dispute and your response. I strongly urge you to handle this matter with the seriousness it demands. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tri-State Adjustments, Inc.
State: PA

Complaint narrative:
I am a XXXX  % service-connected XXXX veteran under the care of the Department of Veterans Affairs ( VA ) . In 2024, I received XXXX XXXX and related durable medical equipment ( DME ) including a knee brace and crutches under the VA XXXX XXXX XXXX XXXX 

The VA authorized this care and I personally submitted the itemized bills to the XXXX VA facility on XXXX separate occasions : XXXX for the XXXX several months ago, and XXXX more recently for the XXXX itself. Despite this, the hospital and its billing agency have continued to send me bills and have now referred the matter to collections. 

These services were pre-approved through XXXX XXXX, meaning payment responsibility lies with the VA, not me. I have no control over their failure to process the bill properly, and I should not be punished for their delay or mismanagement. 

I am now being harassed with phone calls and mailed bills from the hospitals billing office and third-party collections. This threatens my credit and financial standing, even though I followed all procedures required of me as the patient and veteran. 

I am requesting that the collections activity immediately cease, and that the debt be removed from my name and assigned back to the VA, where it belongs. This is a violation of both my rights under the XXXX XXXX Act and fair medical billing protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-14 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-14 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: MI

Complaint narrative:
My online account with Experian says that I have 5 30-day and 5 60-day late payments, however these payments are not associated with any accounts and do not show in their records. I can not dispute these " late payments '' because they are not associated with any account. I was on the phone with 3 different departments, 3 different phone numbers for an hour and a half only to be told there's nothing they can do, yet somehow they can report information that has no basis according to their own records.

I am able to provide screenshots of the claim of late payments and the credit report number that shows none of these late payments.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally dispute a XXXX collections account listed on my credit report under account number XXXX. This account is the result of identity theft. Enclosed is a copy of the police report I have filed regarding this matter. 

Please investigate and remove this fraudulent account from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-05-14 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: Oliphant United, Inc.
State: CA

Complaint narrative:
I previously submitted a complaint ( Case # XXXX ), to which XXXX XXXX provided an inadequate response and the case was prematurely marked as closed. This is a new complaint based on their continued failure to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

They are reporting XXXX debt that was allegedly charged off in XXXX and sold in XXXX. Yet it only appeared on my credit report recently, suggesting the account was illegally re-aged. I never received required validation, and no recent activity on my part would justify new reporting. 

I have since issued a formal debt validation demand and am requesting a full investigation, removal of this tradeline, and enforcement of my rights under federal law. Continued reporting without proper validation constitutes willful noncompliance.

Company response to consumer: Closed with explanation