vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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 is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Global Lending Services LLC
State: FL

Complaint narrative:
* * Illegal Re-aging * * * This is a follow-up complaint regarding Global Lending Services LLC ( GLS ). My original complaint ( CFPB XXXX. XXXX ) was closed without correction, but GLS continues to furnish inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ). 

Account details : Creditor : Global Lending Services ( GLS ) Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Repossession Date : XX/XX/XXXX Auction/Sale Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX In XXXX XX/XX/XXXX letter to me ( attached ), the company itself confirmed that my vehicle was repossessed on XX/XX/XXXX and sold at auction on XX/XX/XXXX, with the account charged off XX/XX/XXXX. 

Despite this, GLS continues to report monthly delinquencies from XXXX through XXXX on my credit reports, making it appear that I remain delinquent to this day. This practice constitutes illegal re-aging of the account and is a violation of FCRA 623. 

The law requires : 1.The Date of First Delinquency ( XX/XX/XXXX ) must remain fixed, determining the XXXX reporting period. 
XXXX the vehicle was repossessed and sold in XX/XX/XXXX, the account must be reported as closed/repossessed. No further delinquencies can legally be added after that date. 

By continuing to report monthly lates well after XX/XX/XXXX, GLS is furnishing inaccurate and harmful information that artificially extends the negative impact of this repossession on my credit. 

Requested Resolution I request that the CFPB require GLS to : 1.Immediately stop reporting delinquencies after XX/XX/XXXX. 
2.Correct the account history to reflect : XXXX : XX/XX/XXXX Repossession : XX/XX/XXXX Auction/Sale : XX/XX/XXXX Status : Closed/charged off as of XX/XX/XXXX. 
3.Update all credit bureaus ( XXXX, XXXX, XXXX  ) with corrected information. 
4.Provide written confirmation to me of these corrections. 

Supporting Attachments GLS letter dated XX/XX/XXXX, confirming repo, auction, and charge-off dates. 
Recent credit report showing ongoing delinquency reporting through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im a victim of identity theft. I already submitted an FTC Identity Theft Report ( Report # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ). Under the Fair Credit Reporting Act, Section 605B, once the credit bureaus have those documents, they are supposed to block and remove the fraudulent accounts within 4 business days. 

Despite that, Experian finished their reinvestigation on XX/XX/year> and still left several of the fraudulent accounts marked as verified. This is frustrating because these accounts are not mine, and Ive provided all the proof required by law. 

What Im asking is simple : 1. That Experian permanently delete all the fraudulent accounts I listed in my Exhibit A.

2. That they send me written confirmation once those accounts are removed.

3. That they stop reporting these fraudulent accounts to anyone else moving forward.

Ive attached everything for reference : the FTC report, the police report, my prior dispute letters, Experians reinvestigation results, and my list of the fraudulent accounts.

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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
We made payments to XXXX XXXX in the amount of {$3300.00}. XXXX XXXX took over and told us we will work out a payment plan with auto payments and after 9 months we can negotiate a final payment. We filled out all of their payperwork with our income and expenses and they started taking {$5.00} ( their amount ) out of our account monthly. When COVID happened everything stopped. When it started back, a different company took over XXXX and they started from the original loan amount. We did not make payments due to not agreeing with the amount. Then Aidvantage took over also from the original loan amount. Again we fought with them on the amount and they say that loan information transfers over. So what happened to my payments? Now XXXX says that they have no record of our loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> my ending statement balance was {$1600.00} & as of XXXX an interest charge of {$1600.00} was added to my XXXX ending balance. 
Now my balance shows {$3200.00} with the {$1600.00} interest charges added to my account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 2025-08-18 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 2025-08-18 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
On XX/XX/year>, I sent {$5100.00} to citicards paying off half my credit card and rounding it down to an even {$5000.00}, creating XXXX XXXX more available credit for positive reflection on my credit score. I also paid off a different card ( not Citi ) and dropped balances on a couple others ( not Citi ) down to {$1000.00} even, and lowered balances on all other cards and loans. 

On XX/XX/year> citicards reduced my credit allowance to {$5300.00}, Your revolving credit limit has been revised referencing old and unchanged information from facts of years past to current times. Information all credit/lending companies ( including Citi ) utilize and have ALL increased my credit allowance, or extended initial credit in the first place - that same information evidently flagged to Citi, a sudden and drastic need for reduction to my credit allowance, amazingly and coincidentally, XXXX day after I made the $ XXXX payment. 

My favorable and honorable effort toward improving my credit and continuing a long standing commitment to on time payments across all credit lines should have opened up at least {$5000.00} of availability in revolving credit while reducing this specific credit line usage by XXXX XXXX- certainly favorable by design. 

Citi closed that available credit line down to just {$330.00} above my balance line, creating a climate which runs unilateral to financial freedom and economic prosperity/security in the world of credit scoring. Operating exclusively in this manner, XXXX out of XXXX to be precise, the only company using the same information they all have access to, AGAINST me, to GENERATE FALSE RISK factors, maliciously attacking my credit, CAUSING my revolving credit TO APPEAR IMPERILED, falsely & doctored to that predatory effect. 

They only offer to revisit this decision, AFTER it has negatively impacted my credit score. It is very clear to me when a credit lending business - supremely and acutely aware of the types of information that damage credit worthiness- chooses to create this situation out of thin air, and have that become their credit report to credit scoring leaders, about me .. it is not accidental, but calculated, not helpful and relationship building, but DETRIMENTAL through their falsification in self-created factors. 

My positive behavior regarding debt payment described here, runs parallel to the advice of Equifax in maintaining good credit. My good behavior has been rewarded by Citi, with what amounts to lies, and ultimately, penalties of poor credit, undeservingly.

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 2025-08-18 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX 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 2025-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXXXXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX # XXXX XXXX  -- -- - Opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/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 2025-08-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXXXXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX # XXXX XXXX  -- -- - Opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX # XXXX -- -- - Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/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 2025-08-18 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 disputed a charge-off account with TransUnion, and it was deleted after their investigation. A few days ago, TransUnion reinserted the account onto my credit report without providing me notice within 5 business days, which is required under the Fair Credit Reporting Act. This account has not been properly verified, and I am now requesting the method of verification and certification of how this item was verified.

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