vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I had an old home depot credit card that went delinquent in XXXX and has been over XXXX  years and should not be on my credit report however Calvary Portfolio Services is aggressively pursuing me and applying it on my credit as a new debt from XXXX. It is over XXXX XXXX XXXX and should not be on my credit nor being harassed to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: IN

Complaint narrative:
I am writing to formally dispute and report multiple inaccurate and misleading entries on my credit report, which are causing significant harm to my creditworthiness and financial stability. Despite my attempts to resolve these issues directly with the listed creditors, the inaccuracies persist. I am requesting CFPB intervention to ensure immediate investigation and correction of these entries. 

Disputed Accounts : XXXX Account XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : The reported charge-off is inaccurate. I dispute this account and request its verification or removal. 

DEPTEDXXXX Accounts XXXX High Balances : {$3500.00} ; {$4000.00} ; {$4500.00} ; {$5300.00} ; {$6000.00} Dates Opened : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Status : Late Payment Issue : These accounts are incorrectly reported. Some of these balances do not belong to me, and the reported late payments are erroneous. These misrepresentations are damaging my credit score unjustly. 

XXXX XXXX XXXX Account XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account shows late payments which are inaccurate and inconsistent with my payment history. 

Nature of Complaint : The above-listed accounts contain multiple inaccuracies including misreported balances, false late payments, and incorrect charge-offs. These entries violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report only accurate and verifiable information. The continued reporting of these inaccuracies is causing significant and undue harm to my credit profile, affecting my ability to obtain loans, credit cards, and other financial services. 

Requested Action : I am requesting the CFPB to : Investigate the above-listed accounts and contact the relevant creditors for verification. 

Ensure that all inaccurate information is corrected or permanently removed from my credit report. 

Provide written confirmation of the investigation results and actions taken to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CL Holdings LLC
State: GA

Complaint narrative:
Im a victim of identity theft there are multiple collections accounts in my name. I have provided all documents to all XXXX bureaus with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is through synchrony bank. They contacted me last Monday and told me they shut off my card because it's XXXX past. They told me if I put a card on file they will stop calling. I made a promise to pay for XXXX XXXX continued with email and text messages through the week. They called me twice again yesterday and told me the same thing asking to put a card on 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/XXXX Complaint Against : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Complaint Summary : I am filing a formal complaint against Equifax Information Services LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, Equifax is reporting multiple obsolete, inaccurate, and unverifiable charge-off accounts from XXXX XXXX XXXX XXXX despite clear evidence that these accounts are past the XXXX reporting period and have been improperly re-aged. 
Accounts in Violation ( Examples ) : XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ; still reporting as delinquent in XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; still reporting as delinquent 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 Violations of Federal Law : 1 . 15 U.S.C. 1681c ( a ) ( 4 ) Credit reporting agencies may not report accounts more than XXXX  years after the date of first delinquency. These accounts are beyond the XXXX period but remain on my file. 
XXXX. 15 U.S.C. 1681e ( b ) Equifax is obligated to follow reasonable procedures to assure maximum possible accuracy. Reporting High Credit as Credit Limit is materially misleading. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax must complete reinvestigations within 30 days. These accounts remain coded as Consumer Disputes Reinvestigation in Process for years without resolution. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If disputed information can not be verified, it must be promptly deleted. Equifax has failed to delete unverifiable accounts.

Harm to Consumer : My creditworthiness is being severely damaged by unlawful reporting of outdated charge-offs. 
I have been denied credit opportunities and forced to pay higher interest rates due to Equifaxs negligent and willful misconduct.

Equifaxs actions constitute ongoing harm and emotional distress. 
Requested Relief : I am demanding the CFPB take immediate regulatory and enforcement action to : XXXX. Require Equifax to permanently delete all obsolete, re-aged, unverifiable, and inaccurate accounts. 
XXXX. Ensure compliance with the FCRAs accuracy and reinvestigation requirements. 
XXXX. Impose sanctions, penalties, or corrective measures as deemed appropriate. 
Certification : I certify that the information in this complaint is true and correct to the best of my knowledge. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding MOHELASERVCs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX and XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. MOHELASERVC has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.MOHELASERVC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I contacted TransUnion regarding an inaccurate and suppressed FICO score. My TransUnion FICO XXXX score is reported as XXXX, while my XXXX  FICO is XXXX, XXXX  FICO is XXXX, and TransUnions own XXXX  Score XXXX is XXXX. All three bureaus report an identical profile with no derogatory marks, late payments, or disputed inquiries. 

This discrepancy indicates TransUnion is suppressing my FICO score, which materially misrepresents my creditworthiness. I requested an explanation and correction by phone, but TransUnion failed to provide any justification. 

Violations : FCRA 611 Failure to maintain accurate and fair reporting. 

FCRA 616617 Civil liability for willful/noncompliant misreporting. 

Requested Resolution : Correct my TransUnion FICO score from XXXX to an accurate level consistent with XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnions own XXXX Score ( XXXX ). 

Provide written confirmation of reinvestigation with documentation relied upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Status Reported Incorrect - Showing Delinquent account when it's not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: WA

Complaint narrative:
There was a collections wrongfully added to my account for an amount of {$6700.00} under the name XXXX XXXX XXXX. I never authorized anything with them. They have been spamming me under their third party debt collection agency called TrueAccord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Toyota Financial Services must produce the allonge affixed to the original note as well as it's account. Also name the member officer that provided the alleged loan in question? Since Toyota Financial Services alleged that a loan is owed, does that mean that someone sold an original note containing a wet ink signature in which Toyota Financial Services made claims alleging that the original note contained my wet ink signature in question?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
b'I received a notice that I am being sued by Portfolio Recovery Associates from XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa demanding XXXX my name is not on affidavit of sale of account or certificate of conformity nor do I reside in Delaware where this was purchased. They copied some agreement as if I owe XXXX  and it is not listed on the bill of sale or any account numbers.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
I object to the reporting of accounts tied to my profile without my authorization. Kindly conduct a thorough review and remove them. Relevant materials are attached.

Company response to consumer: Closed with non-monetary relief