vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: TX

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
A derogatory account from SpringoakCap ( Original Creditor : XXXX XXXX  ) is being reported on my credit file under Account # XXXX XXXX XXXX XXXX XXXX The information is inaccurate, incomplete, and unverifiable, and the credit reporting agencies have failed to properly investigate under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Details of Complaint : The account is being reported as derogatory with a balance of {$1000.00}.

I have disputed this information with the credit bureaus, yet it remains with the remark Account information disputed by consumer, meets FCRA requirements, which is misleading and inaccurate.

Neither the furnisher ( SpringoakCap / XXXX XXXX  ) nor the credit bureaus have provided proper validation or admissible documentation proving this debt is accurate, complete, and legally collectible.

This violates my rights under the FCRA, specifically 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( Responsibilities of Furnishers of Information ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
There was an account opened by GM Financial in my name for a car purchase that was opened fraudulently. The amount is for about {$65000.00}. I need this account removed off my credit as soon as possible as it should not be reported on my credit profile. It needs to be removed as soon as possible! This has been so frustrating for me! I have a police report, so this account needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
dispute the following items as inaccurate and unverifiable. You are obligated under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ) to ensure maximum possible accuracy and delete unverifiable data : 1. XXXX XXXX XXXXXXXX XXXX XXXX ( Acct # XXXX ) * * - EX shows " Open/Current, {$18000.00}, '' but XXXX lists Charged off {$11000.00} and XXXX reports Pays as agreed. 
Materially misleading. Metro 2 Account Status & Balance fields breached. 
* * Demand : * * Provide full ledger or delete. 
2. XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Acct # XXXX ) * * - EX lists as Seriously past due/ assigned to attorney. XXXX differ. 
Violates FCRA 607 ( b ), FDCPA 807 ( 8 ), Metro 2 Compliance Condition Code. 
* * Demand : * * Provide assignment and original agreement. Otherwise delete. 
3. XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) * * - EX lists Charge-off {$660.00} with XXXX late history. XXXX omits tradeline. 
Inconsistent and misleading.

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 2025-10-03 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: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$460.00}

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 2025-10-03 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-10-03 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: TX

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the reporting of information on my consumer file. Pursuant to 15 U.S. Code 1681 c-2, a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within 4 business days of receipt. It has come to my attention that despite the passage of 30 days, the information related to identity theft has not been blocked from my file, which is a clear violation of federal law. As a victim of identity theft, I demand the immediate deletion of the accounts listed on my consumer report. These accounts are fraudulent and should not be furnished on my report as they are in direct violation of my rights as a federally protected consumer. Furthermore, under 15 U.S. Code 1681 b, any consumer reporting agency may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. I have never provided written consent for any information related to these accounts to be reported on my consumer file, which constitutes a breach of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
I am writing to bring to your attention a serious matter regarding the reporting of information on my consumer file. Pursuant to 15 U.S. Code 1681 c-2, a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within 4 business days of receipt. It has come to my attention that despite the passage of 30 days, the information related to identity theft has not been blocked from my file, which is a clear violation of federal law. As a victim of identity theft, I demand the immediate deletion of the accounts listed on my consumer report. These accounts are fraudulent and should not be furnished on my report as they are in direct violation of my rights as a federally protected consumer. Furthermore, under 15 U.S. Code 1681 b, any consumer reporting agency may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. I have never provided written consent for any information related to these accounts to be reported on my consumer file, which constitutes a breach of my rights.

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 2025-10-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: AZ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-03 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the inaccurate, inconsistent, and unlawful reporting of multiple accounts included in my XXXX XXXX  Bankruptcy. Despite my prior dispute, you have failed to correct or delete these tradelines, which demonstrates willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Under FCRA 15 U.S.C. 1681i, you are legally required to conduct a proper and reasonable reinvestigation of disputed information. Under 1681e ( b ), you must ensure that all data reported is maintained with maximum possible accuracy. By continuing to report derogatory, misleading, and unverifiable information on accounts that were legally discharged in bankruptcy, you are in direct violation of federal law. 

Pursuant to Metro 2 reporting guidelines, accounts discharged in bankruptcy must not reflect balances, past due amounts, or charge-off remarks, nor may they be coded as Negative or Derogatory when no factual delinquency or obligation remains. Each account listed in this dispute reflects contradictory, unverifiable, and inconsistent data across the three major credit bureaus, including : Discrepancies in account type classification ( e.g., Unknown vs. Revolving/Credit Card vs. Installment ) Contradictory comments regarding bankruptcy status ( e.g., Included in Bankruptcy, Discharged, Closed by Credit Grantor ) False derogatory coding despite XXXX balances, no past due amounts, and no delinquency history Furthermore, each tradelines derogatory status constitutes duplicative and unlawful double reporting, as the bankruptcy itself is already reported separately as a public record. This redundancy is misleading, deceptive, and harmful, violating 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681n. 

Because I am a XXXX XXXX XXXX XXXX impacted consumer, your duty of heightened accuracy, verification, and consumer protection has been recklessly disregarded. Your mishandling of my information, coupled with your failure to reasonably reinvestigate, has caused substantial harm, including denial of credit, emotional distress, and reputational damage due to the publication of false and misleading credit data.

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 2025-10-03 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: RockLoans Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Rocket Loans and their handling of my personal loan account. I have experienced multiple issues involving unauthorized payments, misapplication of funds, and inconsistent payment processing that I believe violate fair lending and servicing practices. 

XXXX. Unauthorized Duplicate Payment : My monthly loan payment is {$670.00}, due on the XXXX of each month. On XX/XX/XXXX, I made a payment of {$1000.00}, which was intended to cover both principal and interest. However, Rocket Loans subsequently debited an additional {$670.00} from my account on XX/XX/XXXX, without my authorization and prior to the scheduled due date. 

When I contacted Rocket Loans to dispute the duplicate payment, they incorrectly claimed that the {$1000.00} payment was applied to principal only. This is inaccurate, as the payment was intended to cover both principal and interest. Instead of reversing the unauthorized {$670.00} payment, Rocket reversed the {$1000.00} payment, which was not the payment in dispute. 

XXXX. Bank Dispute and Reversal Confusion : Unaware that Rocket had reversed the {$1000.00} payment, I contacted my bank to dispute the unauthorized {$670.00} transaction. The bank reversed the {$670.00} payment. Upon learning that Rocket had reversed the {$1000.00} payment instead, I requested my bank to cancel the dispute. However, this situation has created confusion and potential misreporting on my account. 

3. Early Drafting and Interest Miscalculation : Rocket Loans has also been drafting payments earlier than the scheduled due date. For example, although my payment is due on the XXXX, they drafted the payment on the XXXX, which hit my account on the XXXX. Despite this, Rocket does not apply the payment as of the draft date, resulting in excess interest being charged. This practice is misleading and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
Upon reviewing my Consumer Reports, I identified inaccuracies regarding late payment notations on my account, which are incorrect. I, XXXX XXXX, have always maintained timely payments on the following account : Account Number XXXX. 

Consumer Reporting Agencies have a duty to report consumer information with the highest degree of accuracy under the Fair Credit Reporting Act ( FCRA ). The reporting of late payments where none exist is both misleading and harmful. I request a full investigation into these discrepancies and require you to provide verifiable documentation, such as billing statements or payment records, that substantiate any claim of late payment.

If such documentation can not be furnished, I demand that these late payment entries be immediately removed or corrected to reflect their true status as on-time, consistent with my actual payment history. I have upheld my financial obligations without delay, and therefore, these errors must be rectified to ensure fair and accurate 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 2025-10-03 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, 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