vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is reporting inaccurate and unauthorized personal information on my credit report. The Also Known As section includes the name XXXX XXXX XXXX. This is not my legal name and has never been used in any personal, legal, or financial capacity. My full and only legal name is XXXX XXXX XXXX The reporting of this incorrect name is misleading, potentially damaging, and in violation of FCRA 607 ( b ) and 609 ( a ) ( 1 ), which gives me the right to accurate disclosure of the information being reported about me.

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 2025-06-24 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: FL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I authorize them to access my credit information. It's unacceptable that my rights as a consumer are being violatedespecially when protecting my credit is one of the few things I should be able to count on. Im already dealing with enough stress.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I submitted a formal dispute and elected binding arbitration under the Federal Arbitration Act ( FAA ) to XXXX XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, I received two letters from Resurgent Capital Services XXXX stating the account was under review, and another verifying the debt with Experian and Equifax, despite the arbitration election already being on record. On XX/XX/XXXX, I reiterated my election to Resurgent in writing. Despite this, they continued reporting and communicating outside arbitration. On XX/XX/XXXX, I received yet another letter dated XX/XX/XXXX from Resurgent, stating they were still reviewing the inquiry while the debt was simultaneously reassigned to a new collector ( XXXX XXXX XXXX XXXX ). These actions constitute clear violations of FDCPA 805 ( c ) and 807 ( 2 ) ( A ), and FCRA 1681s-2 ( b ). Resurgent had proper notice of the legal dispute and arbitration election yet continued to act in violation of federal law. 

Supporting documents include the full email history showing each entity 's involvement and formal legal notices sent. While XXXX XXXX XXXX XXXX is now the current assignee, this complaint pertains to violations committed prior to that reassignment. The attached documents help demonstrate the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-06-24 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kehoe Financial Group, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Kehoe Financial Group , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), in two separate collection attempts related to an alleged debt from the XXXX XXXX XXXX ( XXXX ). 

In XX/XX/XXXX, Kehoe sent me a collection letter offering a discounted settlement amount, which I paid in good faith. However, the letter failed to include any notice of my rights under federal law including my 30-day right to dispute the debt, their obligation to validate the debt, or my right to request the original creditors name and address. I now understand this omission violates the FDCPA. 

Most recently, in XX/XX/XXXX, I received another letter from Kehoe Financial Group attempting to collect {$480.00}. I emailed Kehoe to advise them that the debt was paid, to which XXXX XXXX responded : " There were two violations. You paid one of them. The second one was not paid. '' The XX/XX/XXXX letter also fails to include the required FDCPA disclosures. Nowhere does it inform me of : - My 30-day right to dispute the validity of the debt - Kehoes obligation to provide verification if I dispute the debt in writing - My right to request the name and address of the original creditor XXXX XXXX XXXX XXXX Kehoe Financial , failed to inform me of the disclosures or further debt validation even in his follow up email. 

The letter appears designed to pressure payment while withholding essential information that would allow me to challenge or validate the debt. These repeated omissions violate 15 U.S.C. 1692g ( a ) and potentially 1692e, which prohibits false or misleading representations in debt collection. 

I also question the enforceability of the debt itself, as it appears to originate from an Italian traffic violation, which may not be legally collectible in the U.S and/or past its statute of limitations. 

This debt collection agency has now contacted me twice about this matter once in XXXX, once in XXXX and in both instances failed to provide federally mandated consumer protection notices. I am concerned that Kehoe is systematically violating FDCPA requirements when collecting on foreign debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and 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 relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 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 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 that information that the information has been modified or deleted from the 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 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 2025-06-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and 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 relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 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 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 that information that the information has been modified or deleted from the 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 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 2025-06-24 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
Statement Against Equifax Misreporting and FCRA Violation I am filing this complaint against Equifax for allowing continued false and retaliatory reporting tied to my XXXX  loans. Despite prior disputes with supporting documentation, Equifax failed to correct the inaccurate XXXX tradeline on my credit file. I provided proof that I am currently XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX, submitted deferment requests, and alerted the lender to their contractual obligation. Nonetheless, Equifax permitted the lender to report a growing balance and missed payments, dropping my credit score in violation of the Fair Credit Reporting Act ( FCRA ). 

Following the last dispute, Equifax has now added a XXXX XXXX tradeline, which was not previously there, and today they updated the {$0.00} balance to incorrect amounts. This tradeline is inaccurate, unauthorized, and should never have been reactivated or updatedespecially since XXXX XXXX has already been the subject of my previous complaints to the CFPB and Virginia Attorney General due to their breach of contract, misconduct, harassment, and unethical practices. 

This appears retaliatory and harmful. XXXX XXXX was not supposed to update or report after violating consumer protections. Equifax is knowingly allowing misinformation and legal violations to impact my credit report, despite being notified. I am a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX, and I will continue escalating this matter. I demand removal or full correction of the XXXX and XXXX XXXX tradelines and enforcement of FCRA compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
XX/XX/year> was preapproved for a loan for {$67000.00} by XXXX XXXX after I was approved by XXXX XXXX the dealership pushed me to accept a loan through another financial institution which later charged me double what the vehicle was worth and what I was quoted the vehicle was worth. The vehicle selling price was XXXX Ally Bank preyed on me as an XXXX-American single mom doubled the loan price to {$110000.00} charged me {$1600.00} per month for a used vehicle after not paying for the vehicle for 30 days because of a death in my family change in my income being a loss of my job & divorce- Ally bank came and repossessed the vehicle & then sold the vehicle. I had already paid {$44000.00} in two years for the vehicle. Ally bank sold the vehicle for {$34000.00} and is now wanting me to pay an additional amount over the stated value of the vehicle. As stated I have already paid {$44000.00} in two years for the vehicle. Ally bank sold the vehicle for {$34000.00} and is now wanting me to pay an additional {$37000.00} for the vehicle which is over the purchase price. They have been sued previously for this. I have all documentation showing that they charged me XXXX for the vehicle. They sent me paper work today proving that the vehicle was valued at XXXX and that they sold the vehicle for XXXX. I have all bank receipts and records showing I paid XXXX for this vehicle. With the amount I paid and the amount the of the sale the vehicle is completely paid off yet they are destroying my credit and wanting me to pay additional XXXX for the vehicle. In the past I asked to relinquish the vehicle and reported the over charge multiple times to their corporate office as well to multiple supervisors at ally bank. Ally bank prayed up upon me in the beginning through the entire process of the loan. My income when financing this vehicle could in no way cover XXXX vehicle. I asked that my payments be XXXX they weee no instead they were over XXXX over that price I indicated I could pay. Ally refused to review the loan to make it feasible for me to pay or comfortable to me to pay. I do not make a lot of money nor did I make a lot of money when I financed the vehicle and my state and federal taxes can show that. At no time did I agree to pay Ally bank XXXX for a vehicle. The dealership copied and pasted my signature on other pages of the loan and told me the deal is done. The dealership also indicated at the time of the purchase that it was late and they were closing and wanted to get the deal finished and completed. When asked if I could come back the next day after thinking about it they told me again the deal was done. At no time was I allowed to forfeit the vehicle, at no time was I allowed to refinance the vehicle and at no time was I allowed a deferment. I was stuck into a loan that I was preyed on to be in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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