vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$6700.00}

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 2025-08-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-28 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX Code XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the TXXXX XXXX XXXX XXXX XXXX XXXX  ), 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 explanation
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX Code XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the TXXXX XXXX XXXX XXXX XXXX XXXX  ), 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern, I recently obtained a copy of my credit report and noticed that your agency has reported an alleged debt under the account number referenced above. I am requesting that you provide validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : The name and address of the original creditor ; The amount of the alleged debt, including an itemized breakdown of fees, interest, or other charges ; A copy of the original agreement or contract bearing my signature ( if applicable ) ; Proof that you are authorized to collect this debt in my state ; A copy of the item reported to the credit bureaus and any documentation used to verify its accuracy. 
Please note that until you provide this information, you must cease all collection activity and stop reporting this account to any credit reporting agency ( or must mark the debt as disputed ). 
This letter is sent in good faith and is not an acknowledgment or acceptance of any debt. Please consider this a formal dispute of the validity of the alleged debt. 
I also request that you respond in writing. Any phone calls will be considered harassment. 
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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft and Assumption Deterrence Act ( ITADA ) 18 U.S. Code 1028 Makes it a federal crime to knowingly use someone elses identity for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft and Assumption Deterrence Act ( ITADA ) 18 U.S. Code 1028 Makes it a federal crime to knowingly use someone elses identity for 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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have made XXXX payments out of 72 installments over seven years, paying a total of more than {$90000.00} on a {$75000.00} loan. Despite this, GM Financial / XXXX  refused to take my payments after writing off the loan, claiming a remaining balance somewhere in the range of approximately {$14000.00} {$17000.00}. They never gave me full details, but that remainder appears to have been inflated by how they handled COVID deferrals capitalizing deferred amounts and continuing to charge interest, which made it harder for borrowers like me to ever fully complete the loan. 

Instead of letting me finish, they forced me into bankruptcy to try to protect my equity. Even then, they refused to reaffirm the loan, saying I couldnt afford the vehicle after I had already paid nearly the entire contract. Their own exhibits showed my repayment, yet they still denied the equity I had already built through my payments, making it just as difficult to keep the vehicle even through bankruptcy, where borrowers are supposed to be protected. 

Now, I am at risk of losing the vehicle altogether because of clerical errors in the court system and delayed filings. These breakdowns in the system mirror the very tactics GM and XXXX  use : burying consumers in process, delay, and technicalities while they strip equity and repossess vehicles. 

This is equity stripping at its worst : they take my payments, deny me completion, then take the vehicle too. 

The bigger picture proves this isnt just me. Since GMs bailout, repossession numbers have exploded over XXXX XXXX vehicles repossessed in XXXX alone, the most since the financial crisis. Vehicles are overpriced, loaded with electronics, and depreciate faster than the loans tied to them. When warranties arent honored, families are drained even faster. 

GM and XXXX  should not be allowed to strip equity from working-class families after we carried them through bailouts. I am asking the CFPB to investigate their lending practices, require a fair accounting of my payments and equity, and stop these abusive repossession tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: VA

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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my recent consumer credit report, I discovered XXXX  entries that should not appear on my file. Based on my understanding of consumer protection laws, specifically 15 U.S.C. 1681, these inaccurate entries may constitute a violation of my consumer privacy rights. As a victim of identity theft, I did not authorize the release of this personal information, and these XXXX records do not belong to me. The presence of fraudulent information on my credit report is causing significant damage to my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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, Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is a formal dispute of unauthorized inquiries that I am filing directly through the CFPB to ensure it reaches Experian. I have attached my written dispute letter to this complaint, listing the inquiries that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 

By submitting through the CFPB, I hope to guarantee that Experian will receive and respond to my dispute without delay. This approach allows me to document my efforts and ensure the matter is addressed in accordance with the FCRA.

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 2025-08-28 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: MS

Complaint narrative:
I was XXXX  on XX/XX/XXXX through XX/XX/XXXX while I was XXXX  I was a victim of the XXXX XXXX XXXX XXXX XXXX XXXX. I was also a victim of the XXXX  and XXXX XXXX as well as XXXX  data breach. I was a victim of the XXXX XXXX breach when I was released on XX/XX/XXXX I was notified that I was a victim, identity theft I reviewed a copy of my credit report and notice some accounts that I have no knowledge of that I believed to be a result of fraudulent activity I asked that the following account be removed from my credit report Service solutions # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter from Portfolio Recovery Associates , LLC in XX/XX/year>2025. The letter received had a section stating how to dispute the debt and had a portion to cut off and send in. I submitted the letter back with my dispute to validate this debt. I did not receive the validation and continued to receive calls and letters. I spoke to an agent and requested all electronic and phone contact to cease and desist since I was waiting on validation. Another letter was received in late XX/XX/year>2025. I submitted a 2nd letter on XX/XX/XXXX via certified mail. I received the signed part of the certified letter back from Portfolio Recovery Associates LLC with a signed date of XX/XX/XXXX. 
On XX/XX/scrub> 2025, I received an update to my credit report and noticed the company still continued to report the debt to the Credit Bureaus. 
On XX/XX/year>2025, I received a letter dated XX/XX/year>2025 from XXXX XXXX XXXX stating they are trying to collect a debt owed to Portfolio Recovery Associates LLC. 

The 30 days for validation in accordance with the Fair Credit Act was not observed and validation not provided prior to Portfolio Recovery Associates LLC selling the debt to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TN

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Check from XXXX. Totaled vehicle in the amount of XXXX. XXXX XXXX XXXX. Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX I dont have a with BOFA XXXX I just wanted the check cashed directly from bank XXXX XXXX. XXXX refused to cash after being provided with both, DL and passport. XXXX listed above refused to speak to me. I have worked in banking. XXXX federal issued IDs are all that is needed to cash a check. They refused to do it. The teller was asking inappropriate questions like, why dont you have a bank account. Her demeanor was very disrespectful and seemed to have a XXXX bias. XXXX teller. Non existent costumer service however, my complaint is, they do not have the right to refuse cashing a check because of personal bias. I know that because, we couldnt do that when I was in banking. It wasnt a personal check, they can verify the account directly because, it is a BOFA account. The manger refusing to even speak to us is also discrimination. In other words they did not follow protocol designed to protect 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 2025-08-28 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. there someone using my credit without my permission, my identity was stolen some years ago in XXXX Florida, this was a bad experience, but now I found out my personal information is also being sold on the dark web, there is so mush accounts and collection I know nothing about, these accounts is result of identity theft and I am demanding that these accounts be block and delete of my credit pursuant to section 605B of the fair credit reporting act, 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

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