vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: MD

Complaint narrative:
This complaint concerns the Global Lending Services ( GLS ) auto loan ending in XXXX. The account is reporting inaccurately, and GLS has failed to update the reporting in accordance with federal law. 

This loan was : XXXX. Included in my Chapter XXXX bankruptcy, filed on XX/XX/year>. 
XXXX. The vehicle was involved in an accident and is now totaled. 
XXXX. The vehicle is currently in the process of being picked up and settled through XXXX XXXX. 
XXXX. GLS has continued to report negative and derogatory information that is no longer accurate or legally allowed under bankruptcy protections. 

Under the Fair Credit Reporting Act ( FCRA ) and bankruptcy reporting requirements, once a debt is included in Chapter XXXX and the collateral is totaled : The creditor must cease all derogatory reporting, The creditor must update the balance, The creditor can not continue to report late payments or negative history, The reporting must reflect included in bankruptcy with a {$0.00} balance, pending the insurance payoff. 

GLS has not updated this account properly and continues to report inaccurate information that is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My card was compromised on XX/XX/year>. When I called Fifth Third Bank, I was told there was no ACH pending and that it was likely spam. On XX/XX/XXXX, my account went negativeproving it was not spam, and I had been misinformed. 

On XX/XX/XXXX, a dispute was finally filed and my account was placed on hold. I was told that any transactions or overdraft fees that hit my account during this time would be reversed, but that still has not happened. 

I was also told on XX/XX/XXXX that new debit cards had been ordered and would arrive no later than XX/XX/XXXX. They never came. When I called Fifth Third today, I was told the charges could not be reversed until my account was reopened, which completely contradicts what I had previously been told. I have been transferred between the disputes department, customer service, and depositseach directing me to another department with no resolution. 

On XX/XX/XXXX, I was informed that debit cards had not been ordered at all, and only then were they finally submitted for processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am filing a complaint because TransUnion, Experian, and Equifax are reporting an account from XXXX XXXX XXXX ( child support ) that contains multiple factual inaccuracies, and the furnisher has not corrected them. 

The account is paid, closed, and has had no activity since XX/XX/XXXX, yet the credit bureaus are reporting the account as : Open Account Payment Status : Current Two-year payment history extending into XXXX Last Reported date of XX/XX/XXXX Active monthly performance despite {$0.00} balance and closed comments These items can not be true and directly violate : FCRA 602 ( A ) ( right to accurate reporting ) FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( must correct/delete inaccurate information ) FCRA 611 ( a ) ( 5 ) ( delete if unverifiable ) FCRA 623 ( a ) ( 1 ) ( prohibits reporting information known to be inaccurate ) Because the account is paid and closed, the furnisher can not legally verify ongoing monthly updates, future dates, open-account status, or current payment status.

I am requesting an investigation into the data being furnished and the CRAs failure to correct the errors. The information being reported is objectively impossible and does not match the agencys own data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
I am filing a complaint because StateWide Auto is reporting a repossession and derogatory late payments for a vehicle that was mechanically defective, unsafe, and acknowledged by the dealer as a lemon. The lender agreed that I was entitled to a refund, and this was communicated to me directly before I became unable to continue follow-up due to personal hardship. 
Details of the Issue The vehicle suffered a catastrophic safety failure ( wheel separation ) that caused the car to lose control while in motion, making it unsafe and undriveable. The police ultimately seized the vehicle for safety reasons, not due to non-payment. This was not a repossession. 
I immediately contacted StateWide Auto. Their staff acknowledged the defect and confirmed that I was eligible for a refund and that the sale would be reversed due to the safety issue. Despite this, StateWide Auto continued to report the account as : Repossession Derogatory XXXX  Days Late Why This Reporting Is Inaccurate This information is factually false, unverified, and misleading. A defective, unsafe, undriveable vehicle that was seized by police for safety reasons can not legally be reported as a repossession or delinquent account. StateWide Autos own acknowledgment of the defect and promised refund confirms that the account should not have been reported as a repossession. 
Laws Violated This inaccurate reporting violates : FCRA 602 ( A ) Right to accurate and fair credit reporting FCRA 607 ( b ) Duty of furnishers to provide complete and accurate information FCRA 611 Consumers right to dispute unverified or inaccurate information Metro-2 Compliance Violations StateWide Auto is also violating Metro-2 reporting standards, which require : Reporting only verified, factual account statuses Correct classification of loan events Prohibition against coding repossession or delinquency when the vehicle was not repossessed Prohibition against reporting unverifiable or misleading derogatory information Under Metro-2 guidelines, a lender can not report : A repossession code when the consumer did not default Delinquency codes during periods when the vehicle was inoperable due to defects Any derogatory status when the account is under promised refund or buyback review The information StateWide Auto is furnishing can not be verified, does not match the actual events, and does not meet Metro-2 accuracy requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion Dispute date XX/XX/XXXX. I disputed the {$1100.00} collection account reported by XXXX XXXX XXXX. 
I was unable to upload primary evidence to the TransUnion site due to a technical error/bug that prevented the file upload. The subsequent investigation was flawed and incomplete. 
The account is illegally re-aged, citing an FCRA violation. My evidence showed the XXXX/XXXX removal date is impossible, as I had active service with a new provider on XX/XX/XXXX. 
TransUnion failed to conduct a reasonable investigation under the FCRA and closed the dispute as " resolved '' on XX/XX/XXXX, accepting the collector 's re-verification despite the clear, documented evidence of the illegal re-aging violation. 
The collector is designated as " XXXX XXXX '' and should know that re-aging is illegal. I demand TransUnion reopen the investigation, properly investigate the illegal re-aging claim, and delete the account.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
A person or persons made an unauthorized purchase using my credit card that i was unaware of, i notified the bank as soon as i became aware of it approximately XXXX days later. After a short investigation by the bank they withdrew over XXXX XXXX dollars from my account without my knowledge or permission. I was informed yesterday by phone that my claim had been denied.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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 2025-11-15 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 a victim of identity theft. I submitted a complete FTC Identity Theft Report ( # XXXX ) that includes all fraudulent accounts and inquiries placed on my credit reports without my authorization. Under FCRA 605B, the credit bureaus must block and remove all fraudulent information within 4 business days once they receive : ( 1 ) a valid FTC identity theft report, ( 2 ) my ID, ( 3 ) proof of address, and ( 4 ) my written statement. All required documents were provided, yet the bureaus continue to report fraudulent accounts and inquiries that do not belong to me. 

The bureaus previously responded with information meets FCRA requirements, which is improper because identity theft can not be treated as a standard dispute. They failed to comply with FCRA 605B and failed to provide proof of permissible purpose for the inquiries as required by FCRA 604. 

I am attaching : FTC Report # XXXX My ID Proof of address Full list of fraudulent inquiries Fraudulent accounts 605B block letters sent to all three bureaus I need the CFPB to enforce the FCRA and require all three credit bureaus to block and delete every fraudulent account and inquiry immediately, as required 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 2025-11-15 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: SC

Complaint narrative:
I am a victim of identity theft. I submitted a complete FTC Identity Theft Report ( # XXXX ) that includes all fraudulent accounts and inquiries placed on my credit reports without my authorization. Under FCRA 605B, the credit bureaus must block and remove all fraudulent information within 4 business days once they receive : ( 1 ) a valid FTC identity theft report, ( 2 ) my ID, ( 3 ) proof of address, and ( 4 ) my written statement. All required documents were provided, yet the bureaus continue to report fraudulent accounts and inquiries that do not belong to me. 

The bureaus previously responded with information meets FCRA requirements, which is improper because identity theft can not be treated as a standard dispute. They failed to comply with FCRA 605B and failed to provide proof of permissible purpose for the inquiries as required by FCRA 604. 

I am attaching : FTC Report # XXXX My ID Proof of address Full list of fraudulent inquiries Fraudulent accounts 605B block letters sent to all three bureaus I need the CFPB to enforce the FCRA and require all three credit bureaus to block and delete every fraudulent account and inquiry immediately, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute multiple unauthorized accounts that appear on my Experian, Equifax, and Transunion credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification I have identified the following accounts and on my credit report that I did not authorize or provide written consent for. 

Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute multiple unauthorized accounts that appear on my Experian, Equifax, and Transunion credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification I have identified the following accounts and on my credit report that I did not authorize or provide written consent for. 

Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

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 2025-11-15 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I am disputing the accuracy, legality, and handling of an account reported by NetCredit ( XXXX XXXX ) on my credit report. NetCredits actions have caused ongoing harm to my credit standing, created conflicting and inaccurate data across the credit bureaus, and enabled an unlicensed debt collector to pursue me, all in violation of both federal and state law. 

NetCredit is continuing to report this account with a {$0.00} balance after selling or transferring it, yet they verified the tradeline as accurate during my TransUnion dispute. This verification is incorrect and misleading under the Fair Credit Reporting Act ( FCRA ), as the information furnished is incomplete, inconsistent, and does not reflect the accounts true status or chain of custody. 

The same alleged debt is also being reported by XXXX XXXX XXXX and XXXX, XXXX, with different balances, dates, and classifications. This creates multiple, conflicting entries for the same alleged debt, resulting in double reporting and materially inaccurate credit data, which violates FCRA 623 ( a ).

NetCredit additionally transferred or sold the account to XXXX XXXX companies that I later confirmed through the Michigan Department of Insurance and Financial Services ( DIFS ) are not licensed to collect debt in Michigan. Passing my personal information and alleged account to an unlicensed collector is a violation of Michigan state law and demonstrates negligent oversight of third-party collectors.

I attempted to resolve this through the credit bureaus. Despite the conflicting balances, differing statuses, and involvement of an unlicensed collector, NetCredit still verified their reporting as accurate, furt
her contributing to the continued harm to my credit profile.

I am requesting : 1. Immediate deletion of the XXXX  tradeline across all credit bureaus, XXXX. A formal investigation into XXXX furnishing of inaccurate and duplicative information, XXXX. A review of XXXX role in transferring my account to an unlicensed collector, XXXX. Appropriate corrective action for the damage caused to my credit profile and the distress resulting from these violations. 

XXXX verification of inaccurate data, failure to properly update the account post-sale, and involvement in an unlawful third-party collection process demonstrate willful noncompliance with the FCRA. I request the CFPBs intervention to address these violations and ensure resolution, including any compensation deemed appropriate.

Company response to consumer: Closed with explanation