vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XXXX and XXXX of 2024 I had over 7 hard inquiries pulled on my credit report from one car agency that I bought a car from. I was told it would be only one on my report and then I was told they would fall off in a couple of months. There was a mistake in the paperwork and I had to go back to do it again and they pulled it a few times more, these are still showing for the same place and was not to be on my report over and over again. As well as XXXX XXXX - the first one was suppose to be a soft pull and not a hard inquiry. I need these unnecessary extras to be taken off. Can someone please help 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 2025-06-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  Reported to collections on XX/XX/2025 Remarks : XXXX Consumer Financial Protection Bureau ( CFPB ), prohibits lenders from using medical debt to make creditworthiness determinations and requires credit reporting agencies to exclude medical debt from reports. 

This action from them dropped my credit report score XXXX points and added 1 collections account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
The vehicle I got through financing with glove cars in XXXX New York was a lemon the vehicle has a broken crossmember and the truck is just rotting away I have only had it for a year and i pay XXXX dollars a month for this vehicle at 25 percent interest so by the end of my term I am paying around XXXX dollars for this truck and it wont even pass XXXX XXXX State inspection I reached out about the issue and they refused to refinance with me so Im stuck paying on a truck Im upside down on so no one else will refinance Im about {$5000.00} over book value in good condition I am stuck in a tough spot I dont miss payments Im just sick of people ripping me off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a collection account being reported on my credit file by XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX. 
This account appears as a collection item and is negatively impacting my credit profile. 
Under 15 U.S. Code 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), there are strict limitations on how and when a debt collector may communicate with a consumer. If any such communication was initiated without my consent, at an inconvenient time or place, or continued after a written request for cessation, such action constitutes a direct violation of this statute. I assert that XXXX XXXX has failed to comply with these lawful requirements and may have engaged in improper communication practices.

Additionally, I have not received any verifiable proof that this debt is accurate, collectible, or even belongs to me. Therefore, I am requesting : 1. A full investigation into this account.

2. The deletion of this account from my credit report if it can not be verified with lawful documentation.

3. A reinvestigation in accordance with 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation and respond within 30 days of receipt.

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report upon completion.

This letter serves as formal notice that I dispute the validity and accuracy of this item under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I disputed a negative item from XXXX XXXXXXXX XXXX  showing an unpaid overdraft balance of {$1200.00} closed in XX/XX/year>. ChexSystems completed a reinvestigation but found no error and classified my dispute as frivolous. However, the information remains inaccurate or incomplete, harming my ability to open bank accounts. I request a proper reinvestigation and correction per 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 2025-06-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-06-11 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed XXXX through Cherry Technologies to pay XXXX XXXX XXXX XXXX for lXXXX XXXX XXXX services. I also paid XXXX out of pocket. I have already paid XXXX toward this loan. 

XXXX XXXX XXXX  is not a service that can be completed or provide results in just one or two sessions. I selected this service because XXXX XXXX advertised a lifetime warranty that would allow me to complete my treatments and maintain results as needed. This was a key reason I agreed to purchase this package and finance it through Cherry. 

The location I used closed, and I was forced to travel further to another location where I experienced repeated scheduling issues. I was unable to complete my treatments. I never finished treatment and have not seen any results. The lifetime warranty I paid for has not been honored. 

Cherry has acknowledged that services were not fully provided by offering me a XXXX goodwill settlement. I declined this offer and requested a full refund. Instead of resolving the matter fairly, Cherry is continuing to demand payments on a loan for services that were not delivered and is sending me collection notices and threats of credit reporting. 

Under the FTC Holder Rule, which is printed in my loan agreement, I have the legal right to dispute this transaction and withhold payment when services are not delivered. Cherry is ignoring this right. 

I am requesting that the CFPB assist me in securing a full refund of XXXX and that Cherry cease all collection activity on this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
I have reached out to TRANSUNION, EXPERIAN and EQUIFAX on multiple occasions to disputing fraudulent accounts on my credit report, several times I was greeted by very rude representatives telling me that there's nothing they can do. One representative that i spoke with verified that I had an FTC report and Identify report in place prior to these fraudulent accounts however they were still able to post to my credit report. I have attached all of the proper documentation with this complaint.

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 2025-06-11 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: PA

Complaint narrative:
I have reached out to TRANSUNION, EXPERIAN and EQUIFAX on multiple occasions to disputing fraudulent accounts on my credit report, several times I was greeted by very rude representatives telling me that there's nothing they can do. One representative that i spoke with verified that I had an FTC report and Identify report in place prior to these fraudulent accounts however they were still able to post to my credit report. I have attached all of the proper documentation with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account on the following dates XX/XX/scrub>XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. if this information can not be verified I demand these payments be updated to be paid on time immediately. thank you for your understanding and prompt action.

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 2025-06-11 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: GA

Complaint narrative:
For the past XXXX years I have been working diligently to remove inaccuracies on my credit report. In the beginning I started to handwrite most of my letters as I got frustrated with the nuisance these bureaus love to do, by proclaiming that they don't believe these said letters were officiated by me. So, now my letter are typed and sent with copies of my current driver 's license, and a bill to reflect my residency matches what's on my license as well as it should match on my report. One of the biggest discrepancy on my file is by way of an old " XXXX XXXX '' account with a balance reflecting of {$500.00}. I will include with this dispute screenshots showing the discrepancies when it was formally being collected by a debt collector, along with what Equifax is proclaiming of a whopping XXXX late payments, then on another screenshot it will reflect how that does not match at all to what Experian is proclaiming for a total of XXXX late payments. The case and point is I requested that Equifax, Transunion, and Experian shows proof of these late payments by submitting to me all statements and or statement reflecting these alleged late payments. If they can not furnish that to me within 30 days, then I demand that the entire account is removed from my credit report as they know it is inaccurate and goes against the FCRA. I am also going to include yet again a copy of my drivers license so that they'll know it's me and a copy of the what I love to call their " stall '' letter dated XX/XX/XXXX will be included with this dispute. Another error on Equifax part for this same account, on Experian it shows CO ( charge off 's ) since XXXX what's odd is that Experian is showing nothing reported for XX/XX/XXXX, but when it pertains to Equifax it's reflecting that this same account showing " OK '' for XX/XX/XXXX as if payment was submitted and the account was fine. I'm curious as to what payment Equifax is showing for a charged off account and can they show proof of that too? In conclusion even the closing date for this account I am disputing, you'll be able to show it's reflecting XX/XX/XXXX that this acct was closed per " Experian '' but somehow both Transunion and Equifax have the dates of XXXX of this year as last activity shown for this same charged off account. These are the undermined tactics that these bureaus are doing to consumer 's like me and I'm sick of it. Inaccurate reporting has affected my livelihood for many years and I will stop at nothing to ensure that across the board the information on my files is accurately reporting up to date, and matches for all XXXX bureaus or it must be removed its as simple as that.

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