vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: CT

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages.

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file. Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I am requesting the immediate removal of the inaccurately reported late payment currently listed on my credit report. This entry does not reflect my actual payment behavior, as I have consistently met all obligations on time. Reporting this account as late is a clear error that unjustly damages my credit standing.

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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I am filling this complaint regarding two title loans with titlemax ( XXXXMX Finance ). one of my vehicles was repossessed and sold within five days of repossession. first and foremost, when obtaining the loan, I made the account manager known that I did not have any form of income coming in when I applied. she took advantage of me needing financial help for a crisis and told me that it was ok that she would put down that I was self-employed, which was a lie. I was able to seek family help for the first few months of making the payments. Then I fell ill and was XXXX which resulted in me not being able to handle the account anymore. They did not try to resolve the issue and when I called to tell them what was going on they were extremely nasty towards me. XX/XX/year> my car was repossessed and sold within 5 days of them retrieving the vehicle. I tried to retrieve my items out of the car and was made aware of what took place. I have over {$2500.00} worth of moderations on the vehicle including Rims, Tint, and a sound system, that was not on the car when pawn agreement was made. when I asked to retrieve the items, they told me that it makes the value of the car go up and that I was unable to get the items off my car. A few months went by, and I called again to ask what the balance was left after them selling my car and they told me that they could not tell me what it was or where the car was held so I could see if that place still had my items. they also proceed to tell me that I still owed a balance for that vehicle. the same is happening with the second vehicle. I also want to note that my personal data was exposed during the TMX Finance data breach. this breach has created additional financial and personal stress, and I believe it has placed me in a vulnerable position with regard to my loans and personal information security. I feel that the repossession and sale of my vehicle within such a short time frame was unfair and did not give me a reasonable opportunity to resolve the matter. In addition, I am concerned about how TMX Finance has handled my accounts after the data breach, and I am requesting that CFPB review these practices for fairness and compliance with consumer protection laws. I am seeking assistance in ensuring that my rights as a consumer are protected, that I am treated fairly, and that any potential remedies for harm caused by both the repossession process and the data breach are fully considered. I am also seeking compensation for lost/ stolen property, ( XXXX XXXX XXXX XXXX XXXX totaling to over {$2500.00}. I also seeking pain and suffering financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> Erroneous debit of {$2300.00} posted to my account. I disputed the transaction, and the issue was eventually resolved. 
XX/XX/year> Erroneous debit of {$940.00} posted to my account. I disputed the transaction, and the issue was eventually resolved. 
XX/XX/year> Three additional erroneous debits of {$630.00}, {$1000.00} and {$2700.00} posted to my account. These are currently under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the validity of a collection account listed under my credit file. I had no prior knowledge, consent, or opportunity to validate the alleged debt before it appeared, making the reporting both inaccurate and unfair. This action denies me the right to review or contest the claim.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/year>, I was called by ZIONS Debt Holdings, stating I owed them {$710.00}. I requested that they provide a debt validation letter, a copy of the original contract, original creditor information, and a copy of my signed agreement. 

I stated to them that my personal information was impacted by the XXXX  XXXX XXXX  # XXXX. 

I never received the requested documentation ; however, the collection is still on my XXXX  and XXXX  credit reports

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
This letter serves as a formal dispute of the late payment entry on my credit report. The reporting of a delinquency is inaccurate and misleading, as my records show all payments have been made in full and on time. This false entry tarnishes my credit profile and should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I recently checked my credit report, and noticed fraudulent activity, please remove as its affecting me to gain credit

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Subject : Complaint Regarding Account Status Not Updated Dear Customer Service, I am writing to formally express my dissatisfaction with the current status of my Capital Credit Card account, which has not been updated to reflect my recent payment. My account number is [ Your Account Number ].

On [ Date of Payment ], I made a payment of [ {$270.00} ] towards my account. However, as of today, my account status still shows as unpaid. This situation is concerning as it may negatively affect my credit score and my ability to use my card. 

I have checked my payment history, and I can confirm that the payment was processed ; however, the system has not updated my account status accordingly. I kindly request that you investigate this issue promptly and ensure my account reflects the correct status. 

Please contact me at your earliest convenience to confirm that the issue is being addressed. I expect a resolution to this matter within a reasonable timeframe. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, [ ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cash app and when I went to XXXX  all of XXXX  my ex decided to use my cash app with out me having any knowledge of it to do fraudulent transactions which now my casb app is closed and not able to make a knew one I would like this to be fixed and able to make another account with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
They ReAged debt owed. This was disputed and won. Now it reappeared on my credit report. 
This was for years off my credit report now it went back on. This re dated it. It was disputed and won years ago from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
Complaint Narrative : I am filing this complaint regarding XXXX XXXX ( unsecured loan account ), which is being inaccurately and inconsistently reported by Equifax, XXXX, and XXXX. 

Account details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  ( conflicting across bureaus ) Date Closed : XX/XX/XXXXXXXX  ( inconsistently reported ) Balance : {$0.00} High Balance : {$1800.00} ( Equifax ) vs {$3200.00} ( XXXX/XXXX  ) Status : Reported as Collection/Charge-off Issues : Contradictory reporting across bureaus Different opening/closing dates, high balances, and last activity dates. 

False derogatory reporting The account is marked as Charge-off even though the balance is listed as {$0.00}. 

Unverifiable debt transfer Reported as purchased by another lender, but no lender is identified, and no documentation has been provided. 

False payment history Equifax and XXXX are reporting late payments ( 30, 60, 90 days ) on a closed account with {$0.00} balance, which is misleading and damaging. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Reports must ensure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Prohibits reporting obsolete or unverifiable derogatory information.

607 ( 15 U.S.C. 1681e ) Requires credit bureaus to establish reasonable procedures for accuracy.

609 ( 15 U.S.C. 1681g ) Entitles consumers to disclosure of original creditor and proof of debt.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from knowingly reporting false or misleading information.

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits false representation of debt.

808 ( 15 U.S.C. 1692f ) Prohibits unfair and unconscionable reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MA

Complaint narrative:
am submitting this complaint regarding inaccurate personal information and incorrect account statuses currently listed on my Equifax credit report. Specifically, the report includes an address XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX  XXXX, MA XXXX XXXX XXXXXXXX, NY XXXX that is not connected to me in any personal, financial, or legal capacity. I have never lived at, used, or been associated with this location. I formally requested that this address be removed from my credit file unless documentation exists verifying a direct connection. No such documentation has been provided. In addition, three accounts are inaccurately reported as Late Closed with a {$0.00} balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the classification of these accounts and requested that Equifax verify any late payments or delinquencies with original creditor documentation, including full payment histories and closure dates. If these entries were closed in good standing or if no delinquency occurred, they must be corrected or removed under FCRA 1681i ( a ) ( 5 ), which requires deletion of unverifiable information. Despite providing supporting documents and making a formal dispute under the FCRA, I have not received adequate verification or corrective action regarding the disputed entries. This raises concerns about whether a proper reinvestigation was conducted under FCRA 611 and whether Equifax has met its obligation under FCRA 607 ( b ) to ensure maximum possible accuracy of the information reported.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-05 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation