vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2025-11-06 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:
Can you recheck this? Its tardy and could be erroneous.

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 2025-11-06 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: NC

Complaint narrative:
As a consumer actively working to resolve inaccuracies on my credit report, I am disputing the following accounts. These items do not accurately reflect my credit history, and I respectfully request they be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX ( XXXX ) CHARGED OFF XXXX XXXX Account Number : XXXX Date Opened XXXX XXXXXX/XX/year> Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-06 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: NC

Complaint narrative:
I am disputing multiple accounts that are inaccurately or unverifiably reported on my Experian credit report. These entries are listed as charged off, late, or include questionable hard inquiries that I did not authorize. 

Charged Off Account ( XXXX ) XXXX XXXX XXXXXXXX Accounts ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} Many of these accounts are well beyond the allowable reporting period under FCRA Section 605 ( a ) ( XXXX ) ( XXXX years for charge-offs ) or appear duplicated. I request that Experian investigate, verify, and remove any unverifiable, outdated, or duplicate records. 

Inquiries XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this hard inquiry. Please provide the name of the company, date of authorization, and method of consent used. If verification can not be provided, please delete this inquiry. 

Late Payment : XXXX XXXX, Account XXXX XXXXXXXX Please verify the late payment details with proper documentation, or remove the derogatory notation if unverified.

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 2025-11-06 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: NC

Complaint narrative:
I am disputing the following accounts on my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
This record misrepresents my financial behavior due to inaccurate information. Please make the necessary adjustments to ensure my account is correct.

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 2025-11-06 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: CA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts reported by TransUnion. I believe these items contain inaccuracies and request a full investigation in accordance with FCRA requirements. Please remove or correct these items if they can not be validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account from Aldous appearing on my credit report. The details are XXXX XXXX Account XXXX  XXXXXXXX XXXX  Balance Owed : {$170.00} Date Opened XXXX XXXXXX/XX/year> Status : Collection I have no knowledge of this account and have never opened or authorized any account with Aldous. This appears to be an inaccurate or erroneous reporting. I request that the CFPB investigate this matter and ensure the furnisher provides valid documentation proving that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
On XXXX XXXX and XXXX XXXX, a claim was made against XXXX XXXX XXXX for parking tickets. This claim was not validated, nor is it legal. The account was turned over to the debt collectors, whom have assumed the claim is valid by taking funds out XXXX XXXX XXXX check. I have sent over documents to the debt collectors, requesting proof of their claim. I have requested validation of the debt and the written agreement for the assignment. The total amount of the claim is {$800.00}. A copy of the document sent to the debt collector ( XXXX ) will be attached.

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

Complaint narrative:
Subject : Violation of Reinsertion Requirements XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear : Equifax, I am writing to formally dispute the reinsertion of a previously deleted repossession account that has reappeared on my credit report without proper notice or verification. The account details are as follows : Creditor Name XXXX XXXX XXXX XXXX  Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Date Opened : [ XX/XX/XXXX ] Original Date of Removal : [ XX/XX/XXXX ] Date Reinserted : [ XXXX/XXXX/XXXX ] Status : Repossession According to the Fair Credit Reporting Act ( FCRA ), I believe this reinsertion violates my consumer rights and should be immediately investigated and rectified. Specifically : XXXX. FCRA 1681i ( a ) ( 5 ) Reinsertion Notice : Under FCRA 1681i ( a ) ( 5 ), if information that was previously deleted is reinserted into my credit report, I must be notified of the reinsertion. As per the law, the credit reporting agency must send me a notice that the information has been reinserted and provide the name, address, and telephone number of the entity that reported the information. 
XXXX. FCRA 1681s-2 ( b ) ( 1 ) ( E ) Obligation to Correct Information : FCRA 1681s-2 ( b ) ( 1 ) ( E ) requires that furnishers of information must ensure the accuracy of any information reported. If the information has been previously deleted, the reinsertion of that information must be thoroughly verified to ensure that it is correct and legally compliant before it can be reported again. 
XXXX. FCRA 1681i ( a ) ( 1 ) Investigate and Correct Inaccurate Information : Under FCRA 1681i ( a ) ( 1 ), it is mandatory that any disputed information be investigated, and if found to be inaccurate or incomplete, it must be corrected. The reinsertion of inaccurate information, such as a repossession account, constitutes a violation if it is done without proper re-verification and notification. 
XXXX. FCRA 1681c ( a ) ( 3 ) Time Limitations on Negative Information : Under FCRA 1681c ( a ) ( 3 ), negative information, including repossessions, can only be reported for a period of XXXX  years from the date of the original delinquency. The reinsertion of such information after it was previously deleted may violate this section if it exceeds the legally permissible time frame. 
XXXX. FCRA 607 ( b ) Duty of Furnishers of Information to Report Accurate Information : According to FCRA 607 ( b ), furnishers of information are required to report accurate information. The reinsertion of this repossession account without the proper documentation or verification of its accuracy violates this section, as the information must be verified before being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hello, I was gifted several XXXX XXXX XXXX  over the years that have become increasingly difficult to spend. I am down to a total of {$90.00} in gift cards and have found no vendors online or in-person that will accept them. I can not seem to reach a human being calling XXXX XXXX customer service and just go around in circles without being able to get a resolution. What steps can I take to get my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Bread Financial send a letter to the CFPB saying they did an investigation and they found no basis to support the fraud claim. However, when I call them they do not have an information, they say I live in XXXX or XXXX and I never had those address. Secondly, they do not have information of my social security, they have a XXXX XXXX in west who purchase a XXXX for XXXX. I never did, I do not need a mixer, I do not even know why I will buy a XXXX. I went to the address on the letter XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX. It does not exist that address. Lately, they called for collection based on the information I provided using area code XXXX and when I called back that line is not active or sometimes someone answer and goes silent when I ask for Fraud department. I need to escalate this issue. I freeze my credit report and I still have an Identity Theft that I report in XXXX  as some took my social security and tried to collect my tax refunds. 
Can someone help me. I already issue a police report and I sent to them to the e-mail they provided on the e-mail you shared with me and also sent a copy of my Identity Theft affidavit XXXX since XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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 ( 15 U.S. Code 1681 ) 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 ( XXXX ) 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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
The vehicle was returned due to mechanical issues that I could not afford and dealership would not help fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Check this entryit was filed late and might contain a mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing because Cash App has refused to honor a promotional offer after I followed its instructions exactly. On XX/XX/year>, I used the Cash App promotion for " {$5.00} off with a {$10.00} purchase at the XXXX XXXX. '' Before purchasing, I carefully read the offer. It explicitly instructed users to " Pay with Cash App. '' There was no mention of a separate payment method called " Cash App XXXX. '' Following these clear instructions, I made a purchase from the XXXX Store on XX/XX/year>, at XXXX PM using my Cash App debit card ending in XXXX. The transaction was successful, but the {$5.00} credit was never applied. I contacted Cash App support, and a representative informed me that I was denied the promotion because I did not use " Cash App Pay. '' This specific requirement was not disclosed in the offer 's terms I saw before completing the purchase. The instruction was simply " XXXX with Cash App, '' which I did. Funny enough they also see the misinterpretation of this. This is a deceptive and unfair practice. Cash App is using a hidden technicality to deny a promised benefit. The reasonable interpretation of " XXXX with Cash App '' includes using the Cash App card. 

I contact them earlier via the XXXX  and they are standing on the fact that i did it wrong when the instructions for the offer and the terms and services link on promo offers did not state the interchangeable usage of the term pay with cash app and the term cash app pay. They say its determined by an icon but this is unreasonable and simple not even clear in their terms. additionally i ask for help because all i ask is for them to show where exactly it states their stance on this subject within their terms and services

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My wife was the sole borrower on a HELOC with USAA Federal Savings. She passed awy in May. When I attempted to get information I was told that they would not communicate with me. They turned the debt over to XXXX XXXX. XXXX did not send a monthly statement like USAA had been doing. When I finally figured out that I was supposed to make payments to them, I did make payments. I have paid {$25000.00} to get the balance down. I am now eligible for a reverse mortgage, but the government shutdown has put reverse mortgages on hold. There is a balloon payment due on the HELOC. 

I am asking for some time to allow me to get that reverse mortgage which would pay off the balloon payment.

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