vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. I have been the victim of personal information exposure due to several data breaches, and these accounts are inaccurately reported. I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Dear Whom It May Concern, I am submitting this complaint regarding the handling of my auto loan by GM Financial during a period of financial hardship caused by the recent government shutdown.

Because of the shutdown, my income was disrupted and I fell behind on my car payments. I contacted GM Financial to request hardship assistance. They agreed to extend my note by two months, but I originally requested a three-month extension due to the length of the shutdown and the time needed for my income to resume. They refused to consider the additional month.

The government has since reopened, and I now have a buyer in the XXXX loan review process, which will allow me to close a deal, receive funds, and bring my account current once the loan is approved. During this time, I attempted to submit a paymenteven a partial oneto demonstrate good faith, but GM Financials system would not allow me to make any payment at all. 

I have also experienced rude and unprofessional behavior from several GM Financial representatives during phone calls, despite making every effort to explain my situation and find a workable solution. 

I believe a temporary reduced payment plan would be a reasonable compromise and a mutual benefit to both sides, allowing me to keep the account active and avoid delinquency while showing consistent payment activity until the XXXX loan closes. GM Financial, however, has been unwilling to discuss this option. 

I am requesting the CFPBs assistance in the following : Ensuring GM Financial properly reviews my hardship request and considers either the additional month extension or a temporary reduced-payment arrangement. 

Ensuring their payment system allows me to submit payments, including partial payments. 

Addressing the unprofessional conduct of their representatives. 

Preventing negative credit reporting or further penalties while I am actively working toward resolving the balance once the XXXX loan closes. 

I have consistently attempted to communicate, make payments, and resolve this situation in good faith. I am simply seeking fair consideration, respect, and a temporary solution that benefits both parties until my funds are available. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information being reported on my credit reports by Equifax, XXXX, and XXXX. Despite my attempts to dispute these inaccuracies, they remain unresolved, causing significant harm to my creditworthiness.

The Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of the information reported and conduct proper investigations into disputed items. However, these obligations have not been met in my case. 
As a result of these inaccuracies, I have faced unwarranted financial repercussions, including potential denials of credit, unfavorable loan terms, and undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
I purchased a XXXX  XXXX during Covid my credit score was at XXXX, Mercedees applied so much interest on this loan. I also feel like they overpriced the vehicle. The sales rep at the time also told me that Mercedes werent allocating anymore XXXX which was a lie! I letter asked the sale rep about why she told me that, her reply was thats what they told her. I asked her did they beat me with the deal, her reply was yes they got over! Ive also have had several incidents with Merceedees service manager, he has told me he didnt want to work on my car anymore not to bring it there! I feel like Mercedes XXXX has shown racism towards me by telling me to not bring my car there and getting over on the loan and lying about not allocating anymore XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
You are reporting inaccurate trade line on my credit report. 
Provide me with the following Debt Validation according to USC 1692 G 1. Full detailed list on the payment history on the account in question 2. I want to see the original signature on the contract that I agreed to with said creditor 3. Has their been any insurance claim found on this debt 4. Chain of title that you have to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting this dispute regarding the following accounts on my credit report with Experian, which I believe are inaccurately reported as charged-off. I respectfully request that these items be thoroughly investigated for accuracy, as they do not reflect the true status of these accounts. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Disputed Issue : Charged-off status not accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} Inquiries : XXXX Date Reported : 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 2025-11-20 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: TX

Complaint narrative:
This accounts were previously investigated and removed after being identified as fraudulent, and its reappearance is both inaccurate and unjustified. Reinserting such an account without proper notification violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I respectfully request the immediate removal of this accounts from my credit report, as it appears to have been reinserted in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am requesting a formal investigation into the following accounts on my TransUnion credit report. The listed accounts are inaccurately reported and do not reflect my current credit status. I kindly ask that these items be verified and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Dispute : This account is inaccurately reported as charged off and needs verification. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$510.00} Dispute : This account is inaccurately reported as charged off and needs verification.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: KS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
As of XXXX I noticed on my credit report a derogatory item from an unfamiliar company with a balance of XXXX. I reached out to the company by sending many dispute letters however the issue remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
I am filing a complaint regarding my auto loan deficiency balance, repossession accounting, and inaccurate credit reporting. My lender repossessed my vehicle and claims the remaining balance was transferred to a collection agency. However, the lender refuses to provide any documentation of the repossession, auction sale, accounting breakdown, or proof of assignment of the debt. 

When I contact the lender, they refuse to disclose the balance, how the auction proceeds were applied, or who currently owns the debt. They instructed me to call a collection agency. The agency they provided does not have a website, has no accessible business information, I was barely able to get a hold of them over the phone, their name is " XXXX XXXX '' according to Driveway Finance, and can not locate my file using my name, address, phone number, or the last 4 of my SSN. They stated they have no record of me at all.

As a result, I am unable to obtain mandatory documents that the lender is required to provide, including : Pre-sale notice of intent to sell Post-sale deficiency notice Auction sale price and accounting Itemized calculation of the deficiency Proof that the alleged debt was assigned or sold to any collector The balance being reported on my credit report does not reflect the vehicles auction sale proceeds, and the lender refuses to explain or correct this. They continue to report an inaccurate balance despite having no documentation to validate it. 

I am requesting that the lender : Provide full repossession and auction accounting Provide all legally required notices Provide proof of assignment, if the debt was sold Correct any inaccurate credit reporting Clarify who currently owns or services the deficiency balance Clarify what my current total amount owed is At this time I am unable to obtain any documentation from either party. I am asking the CFPB to assist in resolving this issue and ensuring the lender complies with federal and state requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
This account was done fraudulent and Ive been notifying certain places of so. This needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 seven 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

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 seven 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 explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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