vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau : Please allow this letter to request an investigation regarding how my daughter XXXX XXXX was given, in my opinion excessive amounts of credit in the fashion of credit cards with unfortunate consequences. XXXX XXXX used my credit history and financial status to allow at the time my XXXX daughter to obtain these credit cards and subsequent default. I did not co-sign for her to receive a XXXX XXXX Credit card. This was listed as my credit default. When I contacted Experian to dispute this default, XXXX XXXX denied it and Experian upheld this blemish on my credit history. 

I had written to XXXX XXXX in XXXX  regarding this matter. Given the enormous financial power of XXXX XXXX, now having taken over XXXX XXXX, it is imperative that this situation be addressed. It is no surprise to me that Experian took the position that XXXX XXXX was correct given the substantial financial leverage with which they possess. 


Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/XXXX To : Trans-Union LLC Report Date XX/XX/XXXX Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Address Reporting FCRA 1681i & 1681e ( b ) To Whom It May Concern : I am submitting this letter to dispute and request removal of address information that appears on my Trans-Union credit report but is Not Current/Accurate or Associated with Me. 
The following address ( es ) should be removed that are NOT Current and or inaccurate : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( report only displays XXXX XXXX XXXX NY XXXX XXXX. 


These addresses may have been reported in error or due to mistaken identity. As provided under the Fair Credit Reporting Act : 15 U.S.C. 1681i requires a reasonable re-investigation of any information disputed by a consumer.

15 U.S.C. 1681e ( b ) obligates credit bureaus to maintain accurate information.

Please remove the inaccurate address ( es ) and send me written confirmation of your investigation not limited to and inucluding any and all methods utilized in your investigation.

Ive enclosed : A copy of my state-issued ID, ( see attatched additional pages ).

Proof of my current residence ( e.g., utility bill ), ( see attatched additional pages ).

Thank you for your time and compliance.

Sincerely, 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX in XXXX, California. After the sale, I was informed that the dealership did not have the vehicle title. Because of this, I was unable to register the vehicle or fully assume legal ownership. Despite this, Global Lending Services began billing me for the loan and did not pause or forbear the payments while the title issue was being resolved. 

Throughout this time, I requested a due date change multiple times and was repeatedly denied. Despite all the previous denials, Global Lending Services suddenly allowed a due date change as of XX/XX/XXXX, XXXXproving they had the capability to do this all along, but chose not to while I was accruing late fees. 

Additionally, I was assessed multiple late fees, despite not being able to legally register or operate the vehicle due to the dealerships and lenders failure to provide a title. These late payments were reported to the credit bureaus, causing significant damage to my credit report. XXXX  own representative stated that I have nine months showing past due on their end, but my credit report reflects four months of missed paymentsindicating discrepancies in their reporting. 

I believe Global Lending Services violated consumer protection laws by : Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Creditors are legally obligated to provide accurate information to credit bureaus. Inaccurate reporting of delinquenciesespecially when they stem from a legal issue like lack of titleviolates this statute.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Lenders must clearly and accurately disclose the terms and obligations of a loan. I was charged for a vehicle I could not legally use or register. The failure to pause or modify loan obligations due to issues beyond my control may constitute a TILA violation.

3. Consumer Financial Protection Act 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Forcing a consumer to pay on a loan where the vehicle title was unavailable, then penalizing the consumer with late fees and damaging their credit, is both unfair and abusive. 

XXXX. Federal Trade Commission Act 15 U.S.C. 45 ( a ) Bars unfair or deceptive acts in commerce. This situationwhere the lender refused to pause payments or allow a due date change, despite a critical issue ( title not being produced ) falls under deceptive and unfair conduct.

5. California Civil Code 2982 et seq. Conditional Sales Contract Requirements In California, a motor vehicle can not be legally sold under a conditional sales contract if the dealer can not deliver good title. This also implicates the lender who accepted the assignment of the contract and then refused to adjust loan terms accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: DE

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to be removed.

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. 

XXXX  XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I submitted a valid 605B identity theft block request via certified mail to Experian on XX/XX/year> It included my ID, proof of address, and an FTC report as required by law. 

As of today, XX/XX/year> there has been no confirmation, removal, or communication from the bureau, despite the legal obligation to block fraudulent accounts within 4 business days of receipt. 

I am requesting immediate compliance and the removal of all fraudulent accounts.

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 2025-08-06 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
My account with DEPTEDXXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in to be removed. 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. DEPTEDXXXX 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! Delete 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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: TX

Complaint narrative:
I am very disappointed to see that inaccurate accounts are still being reported on my credit file, and they have not been removed as expected. I am requesting that the documents Ive submitted be carefully reviewed so I can stop living with the anxiety this continues to cause.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-08-06 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:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ACCOUNT XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Law : FCRA 602 A, 607 ( b ), 611 Issue : Account is reported as charged off but has never been properly verified or validated with supporting documents Story : I am challenging the legitimacy of this account. I do not recall opening this account, and no contract or payment history has been provided to confirm its accuracy. If this debt can not be verified, it must be deleted per FCRA requirements XXXX XXXX XXXX  High Balance : {$120.00} Date Opened XXXX XXXX XXXX XXXX  Law : FCRA 607 ( b ), 611, 15 USC 1681i Issue : Alleged late payment is unverifiable and was never notified Story : I was never informed of any missed or late payment. This account has not provided me proper notice or validation and must be corrected or deleted if validation is not provided INQUIRIES XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Hard pull without consumer-initiated request Story : This inquiry is not connected to any credit transaction initiated by me. I request its deletion as it was done without a valid purpose The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-06 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: NJ

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently was a victim of identity theft. I followed the protocols for identity theft for each bureau and they still have refused to remove this account from my credit profile. I sent police report as well as FTC report reporting this fraudulent account XXXX XXXX. Upon completing their investigation they are saying they verified this account belonged to me but can show no proof. This is a violation of my rights.

Company response to consumer: Closed with non-monetary relief