vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: MS

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 explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-11-11 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: NJ

Complaint narrative:
I am reviewing my Equifax credit report and have identified several items that I believe are inaccurate or unverifiable. 

XXXX. XXXX Accounts : XXXX XXXXXXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} Please verify these accounts directly with the original creditors. If any can not be verified, I request their removal from my credit report. 

XXXX. Late Payment : XXXX XXXX XXXXXXXX, Account No. XXXX I dispute this late payment and request verification with the original creditor. If the reported late payment can not be verified, please remove it. 

I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My wife XXXX XXXX past away in XX/XX/year>. I informed Ally Auto Finance and gave a death certicate of the claim I have paying some of the monthly payment or ask for a new contract since the vehicle is in her name. I have sent affidavit of they have the promise note by law AFFIDAVIT OF A PROMISORY NOTE Promissory Notes are legal tenders All commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by statutes such as 12 USC 1813 ( l ) ( 1 ), UNIFORM COMMERCIAL CODE ; UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). 

These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ).

1. Promissory Notes and other commercial instruments are legal ten
der and financial assets to the originator and a liability to the lender. If a security interest in the note is perfected, by recording it on a lien as a registered security, the maker or originator becomes an entitlement holder in the asset. But the debt collector does not understand that they have this liability because most people are unaware of it.

a. UCC 1-201 ( 24 ), 3-104, 3-306, 3-105, b. UCC 8-102 ( 7 ), ( 9 ), ( 15 ), ( 17 ), 8-501, 8-503, 8-511 c. UCC 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ) , ( 49 ), ( 64 ) d. 12 USC 1813 ( l ) ( 1 ) All commercial instruments such as promissory notes, credit agreements XXXX bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), U.C.C. ss 1-201 ( 24 ), ss3-104, ss8-102 ( 9 ), ss9102 ( 9 ), ( 11 ), ( 12 ) ( b ), ( 49 ) ( 64 ). These statutes define a promisssory note or secuity to be negotible ( sellable ) because it is a financial asset. This is necessary because a contracts requiring lawful money are illegal to pursuant to Title 31 USC ss5118 ( d ) ( 2 ) A financial institutions is not the true holder in due course upon merely crediting the depositions account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Truth in ladnding Act, Regulation z,12 CFR ss226.23 says that the security agreement signed with a lender can be rescined if they have not provided the proper disclosures. 
The Fair Debt Collections Practices Act 25 USC ss 1601,1692,1693, proviedes remedies for decetive or unconscionable contracts and allows payment in any legal tender under U.C.C. ARTICLE 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing and requesting an immediate investigation into all accounts and inquiries listed on my credit file that were furnished or accessed without my authorization.

Pursuant to 15 U.S.C. 1681 ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that the information they furnish or obtain is done with permissible purpose and consumer consent. I have never given written or verbal consent to any entity or individual to furnish, access, or obtain my personal credit information.

Therefore, I am demanding the following : 1. Immediate removal of any and all accounts, inquiries, or records furnished without my explicit consent.

2. A complete reinvestigation and verification of any data currently listed under my name, Social Security number, or identifying information.

3. A written confirmation of the results of this investigation and an updated copy of my credit report reflecting all verified deletions.

Under the FCRA, you are required to respond to this dispute within 30 days of receipt. Please send all correspondence and updates to my mailing address listed above.

Thank you for your prompt attention to this matter.

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing the following items on my credit report with TransUnion. There are multiple discrepancies in the accounts, inquiries, and late payments reported. I request an investigation and the correction of these issues as outlined below. 

Charged Off Accounts [ No accounts provided for dispute in this section ] Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On [ DATE 2 DAYS AGO ], I finally reached a fraud supervisor who agreed to reopen and reinvestigate my fraud dispute for {$1000.00} in unauthorized transactions. I was given reference number ( XXXX ) : [ PUT YOUR REFERENCE NUMBERS HERE ]. 
The supervisor stated the investigation would continue until the end of XX/XX/year>. 
However, as of today ( XX/XX/year> ), Chime is now threatening to close my account TOMORROW ( XX/XX/year> ) - before the investigation is complete and without reimbursing my {$1000.00}. 
When I asked how they could close my account while an active fraud investigation is ongoing, their representatives told me " it's out of our hands '' and that " Chime has the right to close accounts because they're not a bank and don't have to follow regulations like other banks. '' I have been unable to reach anyone by phone - only automated systems. I have received NO written communication about the account closure, the investigation status, or when/if I will receive my {$1000.00}. 
This is a violation of my rights under XXXX XXXX They can not close my account before resolving my fraud claim and returning my funds. 
I am demanding : My {$1000.00} be reimbursed immediately Written explanation of account closure Written status of fraud investigation My account remain open until this is resolved XXXX my funds be returned before closure

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

Complaint narrative:
I am submitting this formal legal demand under XXXX U.S.C. XXXX ( FCRA XXXX ) and XXXX U.S.C. XXXX ( FCRA XXXX ) as a verified victim of XXXX XXXX, debt bondage, and identity theft. 

In collaboration with my authorized nonprofit advocate, I am exercising my rights under these federal laws to have the following fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

Enclosures Provided : Certified Victim Determination Documentation ( for XXXX compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, AL XXXX EMPLOYERS TO REMOVE : EMPLOYER EMPLOYED EMPLOYER XXXX  XXXX ACCOUNTS TO BLOCK : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} HARD INQUIRIES TO REMOVE : XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-11-11 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: GA

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 XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. 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 XXXX. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt XXXX 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 XXXX U.S. Code XXXX, 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 - XX/XX/XXXX - {$840.00} XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX BANK - XX/XX/XXXX - {$20000.00} Hard Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX AUT - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 2025-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
Despite formally disputing the debt and requesting validation as required by Section XXXX of the FCRA, the company has failed to provide any documentation or evidence to substantiate their claim. This failure is in direct violation of my rights under this Act. 
Furthermore, Spring Oak Capital has reportedly sold the alleged debt without my explicit consent. This practice infringes upon my consumer rights and violates provisions related to privacy and consent under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, these laws require that a consumer be informed and provide consent before their debt is sold or transferred. 
I seek the immediate removal of the claimed debt from my credit report and proper validation of the debt in question, along with any necessary corrections to the reporting made by Spring Oak Capital to ensure compliance with the FCRA and FDCPA. 
I appreciate your attention to this matter and look forward to your assistance in resolving these serious violations. 
Thank you for your prompt consideration.

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

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report. These items are inaccurate and require immediate correction. 

Charged-Off Accounts XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX COLLECT, XXXX, XX/XX/XXXX, {$1100.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments 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 2025-11-11 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
XX/XX/XXXX- XX/XX/XXXX I have had the most terrible experience with Prestige Financial with reporting to all three credit bureaus information. It was an account manager assigned to my case name XXXX, he would call my phone and was so disrespectful and rude. Their professionalism was nonexistent. Due to issues beyond my control. I was unable to pay my car payments on time some months. The vehicle was repossessed. My wages were garnished, and I paid more than {$17000.00}. I no longer have possession of the vehicle. I would like them to update my report stating paid in full. I should not have a balance showing. I would like it to be updated on all three bureaus or removed from all three bureaus. Thanks for taking the time to review my complaint into consideration.

Company response to consumer: Closed with explanation