vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian, Trans Union and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian Transunion and Equifax has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian, Trans Union and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian Transunion and Equifax has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am formally requesting an urgent re-investigation into several unauthorized credit inquiries listed on my report. These inquiries were made without my consent and have harmed my credit score.

I previously contacted your agency and was assured these would be removed, but they remain. This continued inaction is unacceptable and raises serious concerns about possible identity theft.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request and Formal Complaint Against Possible Financial Inc To Whom It May Concern, I am filing this complaint to request the Consumer Financial Protection Bureaus assistance regarding a debt collection issue that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Background : I received a collection notice from XX/XX/2025, regarding an alleged debt with the following details : Creditor/Original Lender : Possible Financial Inc Account XXXX : XXXX Amount Allegedly Owed : {$300.00} Date of Initial Contact/Notice : XX/XX/2025 On XX/XX/2025, I submitted a written request for debt validation to the collector under Section 809 of the FDCPA, requesting that they provide the following : Proof that I am legally obligated to pay the alleged debt A complete breakdown of the amount they claim I owe A copy of the original contract or agreement bearing my signature ( if applicable ) Proof that the collection agency has the legal authority to collect on this debt To date, I have not received sufficient validation, and the collector has either continued to pursue collection efforts or reported the debt to the credit reporting agencies without proper verification, which may constitute a violation of federal law. Action Requested : I respectfully request the CFPB investigate this matter and ensure the debt collector : Ceases collection activity until the debt is properly validated Removes any unverified or inaccurate information reported to the credit bureaus Provides a written response outlining how they have complied with the FDCPA and FCRA Attached Documents : A copy of the original validation request sent to the collector Any correspondence received in response Collection notices Copy of credit report with disputed account ( s ) highlighted ( if applicable ) I am requesting that this issue be reviewed and resolved as soon as possible. Thank you for your attention and assistance. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
During the COVID-19 pandemic, I participated in a lease payment deferral program offered by Ally Financial. I have an email confirming they were offering up to 120 days of deferred payments ( with my understanding that this was later extended to 180 days ), with the deferred payments to be added to the end of the lease. I enrolled in the program and remained current through the deferral period. 
However, when my original lease term endedwithout accounting for the deferred monthsAllys system marked my account as past due. My account suddenly showed a balance of approximately {$2800.00}, and my credit report was marked with multiple late payment marks, despite my compliance with the deferral agreement. 
I contacted Ally immediately and informed them that I would not make another payment until the false credit reporting was corrected. I repeatedly tried to speak with a supervisor, but no one returned my calls or resolved the issue. Instead, Ally repossessed my truck and reported the repossession to the credit bureaus, adding approximately {$5000.00} to my outstanding balance. 
I no longer have access to my Ally online account, so I can not retrieve payment history or download documentation. However, the transition from being current to showing a delinquent balance occurred immediately after my original lease term ended, proving the system failed to apply the deferral correctly. 
This is a clear case of inaccurate credit reporting and wrongful repossession caused by Allys mismanagement of its own COVID-19 relief program. The negative mark is harming my credit and financial standing, and Im asking for the CFPBs help in resolving this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/year>, Balance : {$930.00}

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 2025-07-09 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: CA

Complaint narrative:
I am submitting this formal complaint against EQUIFAX regarding the inaccurate and misleading reporting of the tradeline associated with XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX in XXXX, originally opened on XX/XX/year>, and currently reflecting a reported balance of {$870.00}. This tradeline is being reported with significant inaccuracies and omissions that constitute violations under federal law. Specifically, the reported balance is not verifiable, and I have received no documentation, disbursement records, or recent communication substantiating the accuracy of this amount. This raises serious concerns under FCRA 623 ( a ) ( 1 ) ( A ), which mandates furnishers to report only accurate and complete information to consumer reporting agencies.

Additionally, the presence of this account on my credit file raises a critical issue of lack of permissible purpose under FCRA 604 ( a ). I did not authorize nor consent to the inclusion or maintenance of this tradeline, nor have I engaged in any recent activity that would justify its presence on my report. The account appears without any direct benefit or contractual engagement on my part. Furthermore, this tradeline is not compliant with Metro 2 reporting standards, which mandate uniform formatting, status codes, and date fields. Improper formatting of this type not only misrepresents the tradeline but also impairs automated dispute systems and credit scoring algorithms. 

Despite my prior attempts to dispute this erroneous information with EQUIFAX, there has been no evidence of a reasonable investigation, in clear violation of FCRA 1681i ( a ). EQUIFAX failed to perform a reinvestigation with due diligence and continued to report this unverifiable data. This ongoing inclusion constitutes a willful disregard for the accuracy standards established by the Fair Credit Reporting Act, subjecting the agency to liabilities under FCRA 616 ( civil liability for willful noncompliance ) and FCRA 617 ( civil liability for negligent noncompliance ). In addition, there is evidence of possible duplicate reporting or misattribution of the debt, which artificially inflates my total reported debt and damages my creditworthiness without lawful justification. EQUIFAX has also failed to verify my legal responsibility for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: TX

Complaint narrative:
Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am contacting you regarding an alleged debt that your company claims I owe. I am requesting validation and verification of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

I do not acknowledge that I owe this debt, and I formally dispute it. Before I consider any further communication or payment, I request the following documentation : Proof that Credit Service International Corporation owns the debt, including a copy of the assignment or purchase agreement that legally transfers ownership of the debt to your company. 


A complete and itemized accounting of the debt, showing how the balance was calculated, including the original amount, interest, fees, and any payments or credits applied. 


A copy of the original agreement bearing my signature that legally obligates me to the debt in question. 


The name and contact information of the original creditor, as well as the date of the alleged default and last payment. 


Until this information is provided, I request that you immediately cease all collection efforts, including phone calls, letters, and credit reporting. 
If you are unable to provide the requested documentation, I expect this matter to be closed and any negative information removed from my credit report. Please provide your response in writing within XXXX  days as required by law. 
Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
My personal information was exposed in the XXXX XXXX XXXX my information was leaked and these are the account that were effected. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
A wire was sent from XXXX XXXX To Wise Reference No : XXXX Date : XX/XX/year> Fi Name : XXXX XXXX XXXX WISE Amount : {$60000.00} Acknowledge receipt in Wise and sent via XXXX XXXX the XXXX to XXXX XXXX  XXXX XXXX Wise XXXX XXXX XXXX XXXX XXXX  partner reference XXXX The funds never arrived from Wise to XXXX XXXX 
I have contacted both parties without a result. My last communication with Wise was closed with the following " If you dont receive a response from Wise after XXXX calendar days, this means the trace was unsuccessful, so the case will be closed. '' Please advice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
My personal information was exposed to XXXX data breach, and my information was stolen. I dont recognize these accounts below. 
XXXX. ) Creditor : XXXX XXXX Amount : {$2200.00} Date Opened : XX/XX/XXXX Status : Collection Account Reason : I did not open this account and believe it was created as a result of identity theft. 
XXXX. ) Creditor : XXXX XXXX  Amount : {$520.00} Date Opened : XX/XX/XXXX Status : Charged Off Reason : This account does not belong to me. I suspect my identity was compromised. 
XXXX. ) Creditor : XXXX XXXX XXXX Amount : {$240.00} Date Opened : XX/XX/XXXX Status : XXXX  Days Past Due Reason : I never authorized this account. This may be related to a recent data breach.

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 2025-07-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: TX

Complaint narrative:
Spire recovery solutions sending emails about an account i already have a payment arrangement set up with crediturium for {$61.00}, first payment was made on XX/XX/XXXX next payment would be due in XXXX, you are falslely collecting debt for an account that has an arrangement and Im thinking this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I recently disputed XXXX accounts with Equifax that are violating my right according to the FCRA section 623. The accounts in question were charged off and settled. However, there are major discrepancies in the information all three bureaus are displaying. not all three can be right! the information is not 100 % accurate, this would deem the account INNACURATE. According to the FAIR CREDIT REPORTING ACT section 623, it is the bureaus ( furnishers ) responsibility to report accurate information. Since I've already requested a proper investigation and nothing was done about it, I am requesting a full deletion of the accounts in question. I hoped Equifax would take this matter seriously like Experian and delete these inaccurate accounts as they are hurting my ability to obtain credit. This would be my third time requesting a deletion of inaccurate information from my report before I continue with a Civil Lawsuit for damaging my reputation and violating federal law. I will be using this complaint and the other online disputes as proof that my rights as a consumer are being violated. 
Accounts are XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I will attach a copy of my report from all three bureaus to show that all three have different information. This should be enough to do the right thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX 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