vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-02 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am the borrower on a retail installment auto loan with GM Financial. On XX/XX/XXXX, I submitted a MyAccount online portal complaint via GM Financial 's website regarding a rude and overly aggressive GM Financial representative ; that complaint went entirely unanswered. Since then, I have made multiple calls seeking any alternative to repossession in light of my severe financial hardship, but GM Financial offered only to hold the account until it reached 90 days past due. 

Hardship Details : Hurricane Expenses : In late XXXX, Hurricanes Helene and Milton struck XXXX Florida, forcing me to cover unexpected home repair and displacement costs that depleted funds I had set aside for loan payments. 
Medical Hardship : I continue to incur significant medical and therapy expenses due to XXXX XXXX complications and a XXXX XXXX XXXX over the past two years. 

Account Status & Actions : XX/XX/XXXX statement showed {$3800.00} due by XX/XX/XXXX, with a past-due balance of {$2100.00}.

Earlier this year, GM Financial moved a couple of payments to the back of the loan, but provided no further assistance when I reached out again.

On XX/XX/XXXX ( 91 days past due ), GM Financial assigned my vehicle for repossession and demanded two full payments to cancel itno other alternative was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 accounts 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 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 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX I looked at my Equifax credit report on XX/XX/XXXX and i noticed some things are incomplete and not accurate ; and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reletes according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer ; an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2025-07-02 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: CA

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under XXXX XXXX XXXX XXXX, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. XXXX XXXX XXXXXXXX ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement; or Written confirmation that this account has been permanently deleted from all credit files you maintain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MD

Complaint narrative:
WESTLAKE FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FIN 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 2025-07-02 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified to deleted from the file of the consumer. 
And according to 15 USC 1681s-2, they are not supposed to 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 non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account contains multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ), rendering the information unreliable and damaging to my creditworthiness.

Upon reviewing my credit report, I have identified the following critical inaccuracies : 1. Inconsistent Financial Data : The reported High Credit ( ranging from {$0.00} to {$3200.00} ) and Credit Limit ( ranging from {$0.00} to {$2300.00} ) vary significantly across the bureaus. Such discrepancies indicate a failure to maintain maximum possible accuracy as required under FCRA Section 607 ( b ).

2. Unresolved Dispute : I have disputed this account, as noted in the comments section ( e.g., TransUnion : information disputed by consumer ; Experian : Customer disputed account ; Equifax : Consumer disputes this account ). Despite these disputes, the account remains listed as Derogatory and Collection/Charge off with no resolution. This violates FCRA Section 611, which mandates investigation and correction of disputed information within 30 days.

3. Outdated and Unverified Information : The Two-Year Payment History contains numerous K ( Unknown ) codes and inconsistent late payment statuses, while the Date Last Active and Date of Last Payment differ across bureaus ( e.g., TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). This suggests the data is obsolete or unverified, or could be indicative the creditor is re-aging the account and violating FCRA Section 605 ( a ), which prohibits reporting of stale information. 
4. Improper Charge-Off Reporting : The account is marked as Collection/Charge off with a Past Due amount of {$2400.00}, yet my dispute remains unresolved. Under FCRA Section 623 ( a ) ( 3 ), the furnisher ( XXXX ) is obligated to correct or remove inaccurate data following a dispute, and your failure to reflect this correction violates my rights. 
These errors collectively demonstrate a systemic failure to comply with FCRA requirements for accuracy, investigation, and timely updates. The presence of this inaccurate and disputed account has unjustly harmed my credit score and financial reputation. Pursuant to FCRA Section 611 ( a ) ( 5 ) please delete this account from all of my credit 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account contains multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ), rendering the information unreliable and damaging to my creditworthiness.

Upon reviewing my credit report, I have identified the following critical inaccuracies : 1. Inconsistent Financial Data : The reported High Credit ( ranging from {$0.00} to {$3200.00} ) and Credit Limit ( ranging from {$0.00} to {$2300.00} ) vary significantly across the bureaus. Such discrepancies indicate a failure to maintain maximum possible accuracy as required under FCRA Section 607 ( b ).

2. Unresolved Dispute : I have disputed this account, as noted in the comments section ( e.g., TransUnion : information disputed by consumer ; Experian : Customer disputed account ; Equifax : Consumer disputes this account ). Despite these disputes, the account remains listed as Derogatory and Collection/Charge off with no resolution. This violates FCRA Section 611, which mandates investigation and correction of disputed information within 30 days.

3. Outdated and Unverified Information : The Two-Year Payment History contains numerous K ( Unknown ) codes and inconsistent late payment statuses, while the Date Last Active and Date of Last Payment differ across bureaus ( e.g., TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). This suggests the data is obsolete or unverified, or could be indicative the creditor is re-aging the account and violating FCRA Section 605 ( a ), which prohibits reporting of stale information. 
4. Improper Charge-Off Reporting : The account is marked as Collection/Charge off with a Past Due amount of {$2400.00}, yet my dispute remains unresolved. Under FCRA Section 623 ( a ) ( 3 ), the furnisher ( XXXX ) is obligated to correct or remove inaccurate data following a dispute, and your failure to reflect this correction violates my rights. 
These errors collectively demonstrate a systemic failure to comply with FCRA requirements for accuracy, investigation, and timely updates. The presence of this inaccurate and disputed account has unjustly harmed my credit score and financial reputation. Pursuant to FCRA Section 611 ( a ) ( 5 ) please delete this account from all of my credit 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I took out a {$4900.00} line of credit loan to pay for 2 airline tickets due to my cousins wedding. My first minimum payment due was {$160.00}. I paid that thinking that would be near my minimum payment for the next month. Oh, was I wrong! Apparently they charge daily, what they call " billing cycle charges '' plus 1 % of the balance. This is by-weekly by the way. My new minimum payment is {$300.00} and consisted of XXXX ( XXXX ) {$250.00} billing cycle charges, plus the {$48.00} by-weekly balance charges. So my new amount owed is {$5300.00}. I'll be charged basically {$600.00} a month and a minimum payment under the amount owed. Making it impossible to pay off. I told them this can't be legal as most can charge 30-40 % APR. I told them this is basically 10 % monthly, not yearly. They didn't care and kept referring back to my agreement, truth in lending etc. But this is truly insane! I'm being charged {$250.00} plus {$48.00} principal, totaling right around {$300.00} by-weekly, not monthly. This can not be legal. I have screen shots of my statement if you need them. Thanks in advance for your time/help so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I made a purchase XXXX the company Acima on Sunday at XXXX XXXX XXXX with the contract number XXXX, then I received the next day three approvals from the XXXX XXXXXXXX and are XXXX  store two for XXXX  and another for XXXX of which I did not make any, they also changed my email and my phone number, which no longer allowed me enter the application the contracts are XXXX, XXXX and XXXX, this page has a very bad security for which they could hack me and steal me

Company response to consumer: Closed with explanation