vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
GM Financial is furnishing inaccurate, incomplete, and inconsistent information across all XXXX credit bureaus for my auto loan. 
Each CRA shows different balances for the same months, different delinquency dates, different account statuses, and different last payment dates. GM Financial also reported late payments during XXXX months that they DEFERRED, which violates XXXX reporting requirements. 
This account can not be verified with maximum possible accuracy as required by FCRA 607 ( b ) and GM Financial is violating FCRA 623 ( a ) ( 1 ) ( A ) by furnishing Inaccurate data. I am requesting deletion of the entire trade line because the information can not be corrected or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
XXXX XXXX XXXX, XXXX, has alleged that investigations into my claims/disputes occurred. XXXX XXXX XXXX, XXXX, has yet to provide any documentary evidence that goods, services, or both was provided by the merchant, to me. XXXX XXXX XXXX, XXXX, has yet to provide proof that the merchant was communicated with, as requires by both the card holder agreement and XXXX  law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
This letter provides formal notification of my dispute concerning the referenced accounts. I have no connection to them and did not approve their creation. I request immediate review and deletion. Supporting documentation is enclosed.

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 2025-11-25 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: MI

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes

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 2025-11-25 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. After reviewing my credit file, I noticed the following inaccuracies that need to be addressed under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX 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 2025-11-25 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: DE

Complaint narrative:
I am disputing the following charged-off accounts listed on my Experian credit report. The information provided appears to be incorrect or incomplete. I am also disputing the accuracy of certain inquiries that were made on my credit file. Please review these accounts and inquiries for verification and correction. 

Charged Off Accounts : XXXX XXXX  XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Previously filed complaint with this bank for credit card. They called me based on the complaint ; however the complaint had XXXX components ( XXXX charges & changing account information- they refuse to let me change the address even though the address they have on file is incorrect and was never my address ) and they only had knowledge of XXXX of those components- so, missing the bulk of the complaint. They insisted on closing the account and sending a new card to the " address on file '' - again, part of the complaint as that address is NOT mine and never was so I XXXX  why they insist on keeping it and won't let me change it. It's an address on the other side of the country. There are no fraud charges on my account just XXXX overcharges so why would you have to close the entire account and send a new card to an address that's not mine??? Further it's holidays and I am in the middle of medical procedures so I am not at home anyway so I would have no way to receive a new card. This is getting more and more ridiculous. Just : XXXX ) let customers change their account info online especially when it's wrong. I've been trying to change this address for like XXXX  months ever XXXX XXXX noticed it was wrong XXXX ) let customers dispute charges online! no need to cancel the entire card when it's not fraud or stolen Lastly the rep called me in the middle of a meeting ( it's businss hours, I'm working ) and I politely said XXXX or XXXX  times that I XXXX  that much time right now to call back after the meeting was over. And she just kept talking and talking and interrupting me. Incredibly rude

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-25 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-11-25 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:
Dear Sir/Madam, I am submitting a dispute for the following accounts on my credit report, which have been reported inaccurately. Please review the information and make the necessary corrections. Below are the relevant details : CHARGED OFF : XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX, Account XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$5600.00} LATE PAYMENT : XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
Company : Tek-Collect Inc Original Creditor : XXXX  XXXX  XXXX  Amount : {$1000.00} Date Opened on credit report : XX/XX/year> Tek-Collect is reporting a collection on my credit that should not be reported. The original debt was with XXXX XXXX  who filed bankruptcy. They did not complete the treatment plan and I paid until they went out of business. I should not owe the remaining balance since they did not finish my treatment and I had to go to a different orthodontist and pay money to them since XXXX  XXXX already used a portion of my orthodontic coverage. I do not feel is right for them to try to collect when they did not complete the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am submitting a formal dispute for the following accounts, inquiries, and late payments on my credit report. I request that the listed accounts be reviewed for accuracy, and any discrepancies corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following items and provide a response regarding the outcome. 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Experian ( XXXX  ) : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have a credit card from Barclays XXXX member of XXXX. I contacted Barclays to report a FRAUD transaction on my credit card of an amount of {$430.00} from a merchant named : XXXX XXXX XXXX XXXX 

I spoked to XXXX a Barclays credit card agent who I had a very strange and unpleasant conversation. XXXX was rude, impolite, showed unprofessional service manners, and feels more dictating his owns policy than company statements. 

XXXX refused to open an investigation of the claim and told me to rather go to the store myself and ask the owner of the shop to refund the money. He also told me to call the police and confront the shop. 

Since the situation was getting unpleasant I asked him to let me talk to a XXXX which he then realized I was trying to escalate the situation. XXXX then told me that there is no XXXX I can talk to. so I simply asked him if there is anyone else I could speak to since this whole situation with him was getting nowhere. 
XXXX put me on hold left for about XXXX and then returned and told me : " For you to speak to a XXXX he would have to now open a case to investigate the situation '' Surprised I was shocked and told him : " That was the purpose of my call. Report a possible fraud as I did not XXXX the purchase ''. 

Since XXXX was rude and unpleasant to talk to I simply told him to ask for a XXXX to call me whenever possible because I would like to report rudeness and refusal without reason from Barclays to open an investigation on my claim. I also asked XXXX to close my current card and issue me a new card due to XXXX and he refused. 

Till today I was just able to LOCK the card and XXXX never reached out to me nor attempted to to open an investigation on my card.

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 2025-11-25 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: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. Please find the details of the disputed accounts listed below. I believe that these accounts are being inaccurately reported, and I am seeking a correction. Please provide the necessary documentation and conduct a thorough investigation of the following items. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief