vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this new complaint because Challenge Financials actions following my prior complaint demonstrate clear unethical and inconsistent reporting practices.

In my original complaint, I detailed how XXXX XXXX  was reporting two different tradelines for the same auto loan, both showing conflicting outcomes. One account ( ending in XXXX ) showed as Paid, Closed/Never Late with an original balance of {$6400.00}. The other account ( ending in XXXX ) reflected a charge-off, repossession, and a balance of $ XXXX than double the original loan. These two accounts obviously could not both be accurate. I asked XXXX XXXX to provide documentation proving their claims, including : A copy of the original signed loan agreement The date and reason for any internal transfer Complete payment and delinquency history Proof of repossession including date, notice, and recovery method Proof of auction/sale, how much the vehicle sold for, and how proceeds were applied An itemized breakdown of how they calculated the outstanding balance Instead of providing any of this documentation, XXXX XXXX response was to delete the accurate, positive account and leave only the negative one. That negative account was then updated to show : XXXX XXXX XXXX Account number : XXXX Type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$5600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$2600.00} ( updated XX/XX/XXXX ) Original balance : {$6400.00} On record until : XX/XX/XXXX This so-called update further proves that for years XXXX XXXX has been reporting inflated, contradictory, and damaging information. They have never produced evidence to substantiate the debt, the repossession, or the balance. Instead, they eliminated the positive history and left a negative tradeline that continues to harm my credit. 

A transfer within their system should not result in a brand-new tradeline with different terms, balances, and outcomesespecially not without my knowledge, consent, or signature. At no point did I authorize a refinance, restructuring, or new account. If one existed, it would require my signature or formal notice, neither of which I ever received. 

Additionally, this account is listed as remaining on record until XX/XX/XXXX, which exceeds the FCRA 7-year reporting limit based on the original delinquency in XXXX. This appears to be an unlawful extension of negative reporting. 

This company has not verified the account. They have only altered their reporting in ways that make it more damaging to me, without evidence. Their actions are misleading, unethical, and harmful.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this new complaint because XXXX XXXX actions following my prior complaint demonstrate clear unethical and inconsistent reporting practices. 

In my original complaint, I detailed how XXXX XXXX was reporting two different tradelines for the same auto loan, both showing conflicting outcomes. One account ( ending in XXXX ) showed as Paid, Closed/Never Late with an original balance of {$6400.00}. The other account ( ending in XXXX ) reflected a charge-off, repossession, and a balance of $ XXXX than double the original loan. These two accounts obviously could not both be accurate. I asked XXXX XXXX to provide documentation proving their claims, including : A copy of the original signed loan agreement The date and reason for any internal transfer Complete payment and delinquency history Proof of repossession including date, notice, and recovery method Proof of auction/sale, how much the vehicle sold for, and how proceeds were applied An itemized breakdown of how they calculated the outstanding balance Instead of providing any of this documentation, XXXX XXXX  response was to delete the accurate, positive account and leave only the negative one. That negative account was then updated to show XXXX XXXX XXXX XXXX Account number : XXXX Type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$5600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$2600.00} ( updated XX/XX/XXXX ) Original balance : {$6400.00} On record until : XX/XX/XXXX This so-called update further proves that for years XXXX XXXX has been reporting inflated, contradictory, and damaging information. They have never produced evidence to substantiate the debt, the repossession, or the balance. Instead, they eliminated the positive history and left a negative tradeline that continues to harm my credit. 

A transfer within their system should not result in a brand-new tradeline with different terms, balances, and outcomesespecially not without my knowledge, consent, or signature. At no point did I authorize a refinance, restructuring, or new account. If one existed, it would require my signature or formal notice, neither of which I ever received. 

Additionally, this account is listed as remaining on record until XX/XX/XXXX, which exceeds the FCRA 7-year reporting limit based on the original delinquency in XXXX. This appears to be an unlawful extension of negative reporting. 

This company has not verified the account. They have only altered their reporting in ways that make it more damaging to me, without evidence. Their actions are misleading, unethical, and harmful.

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 2025-08-22 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: NV

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of late payment accounts on my credit report which XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation.

Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining late payment accounts on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Re : Formal Dispute of Inaccurate/Unverified Accounts Under FCRA To Whom It May Concern, This letter is a formal notice that I am disputing the accuracy and completeness of several negative items currently being reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable.

The following accounts are in question : XXXX. XXXX XXXX I {$150.00} XXXX. XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$250.00} 4. Sunrise Credit Services {$1800.00} I request that you investigate these items and provide me with the following : - The name and address of the original creditor, - A copy of any contract, application, or document bearing my signature, - A complete payment history and accounting of the alleged debt, - Proof that the current collector has the legal right to report and collect this debt.

If you can not verify the accuracy of this information within the 30 days required by law, these items must be deleted from my credit file immediately as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with written results of your investigation and a new copy of my credit report reflecting any changes.

In addition, please note that under 15 U.S.C. 1681i ( a ) ( 2 ), you are required to forward my dispute and supporting documentation to the furnisher of this information. Failure to comply with these obligations will be considered a violation of the FCRA.

Attached are copies of my identification and proof of address for verification purposes.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Square terminated my account on XX/XX/year> without explanation as to why and is holding {$20000.00} for 90 days. 

I have had no issues in the past with chargebacks or disputes and them withholding my funds is causing hardship. 

Therefore I am requesting immediate release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXLast 4 SSN: XXXXTo:\nExperian / TransUnion / Equifax \n\n\nSubject: Dispute of Inaccurate Auto Repossession Reporting  Request for Deletion under FCRA\n\nDear XXXX XXXX XXXXXXXXI am writing to formally dispute the reporting of an auto repossession account that appears on my credit report. The account in question isXXXX XXXX XXXX \nAccount# XXXXXXXXUnder the Fair Credit Reporting Act (FCRA), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. This account is being inaccurately reported and must be either corrected or deleted under the following provisions:\n\n15 U.S.C.  1681i  You are required to conduct a reasonable reinvestigation of any item disputed by a consumer within 30 days of receiving the dispute.\n\n15 U.S.C.  1681s-2  Furnishers of information have a duty to provide accurate information and must promptly update or delete any inaccurate or incomplete information.\n\n15 U.S.C.  1681e(b)  Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.\n\nUpon reviewing the reported details of this repossession, I noticed significant discrepancies, including but not limited to:\n\nFailure to properly notify me of default and repossession timeline (as required by state and federal laws).\n\nLack of proper documentation validating the repossession and the deficiency balance (if any).\nInconsistencies in the reported dates, payment history, or account status.\n\nAccording to the FCRA, if the furnisher or credit bureau cannot verify the accuracy of this account with proper documentation, it must be deleted from my credit report.\n\nI am requesting the following actions:\n\nA thorough reinvestigation into this account.\nWritten documentation validating the repossession, deficiency balance, and legal notice procedures.\n\nImmediate deletion of this account if it cannot be fully verified as accurate and complete.\n\nPlease consider this letter as a formal dispute under federal law. I am also enclosing a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed account highlighted for your reference.\n\nIf no resolution is made within the required timeframe, I am prepared to file a complaint with the Consumer Financial Protection Bureau (CFPB) and other regulatory bodies.\n\nThank you for your prompt attention to this matter. I expect a written response within 30 days, as outlined by the FCRA.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXLast 4 SSN: XXXXTo:\nExperian / TransUnion / Equifax \n\n\nSubject: Dispute of Inaccurate Auto Repossession Reporting  Request for Deletion under FCRA\n\nDear XXXX XXXX XXXXXXXXI am writing to formally dispute the reporting of an auto repossession account that appears on my credit report. The account in question isXXXX XXXX XXXX \nAccount# XXXXXXXXUnder the Fair Credit Reporting Act (FCRA), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. This account is being inaccurately reported and must be either corrected or deleted under the following provisions:\n\n15 U.S.C.  1681i  You are required to conduct a reasonable reinvestigation of any item disputed by a consumer within 30 days of receiving the dispute.\n\n15 U.S.C.  1681s-2  Furnishers of information have a duty to provide accurate information and must promptly update or delete any inaccurate or incomplete information.\n\n15 U.S.C.  1681e(b)  Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.\n\nUpon reviewing the reported details of this repossession, I noticed significant discrepancies, including but not limited to:\n\nFailure to properly notify me of default and repossession timeline (as required by state and federal laws).\n\nLack of proper documentation validating the repossession and the deficiency balance (if any).\nInconsistencies in the reported dates, payment history, or account status.\n\nAccording to the FCRA, if the furnisher or credit bureau cannot verify the accuracy of this account with proper documentation, it must be deleted from my credit report.\n\nI am requesting the following actions:\n\nA thorough reinvestigation into this account.\nWritten documentation validating the repossession, deficiency balance, and legal notice procedures.\n\nImmediate deletion of this account if it cannot be fully verified as accurate and complete.\n\nPlease consider this letter as a formal dispute under federal law. I am also enclosing a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed account highlighted for your reference.\n\nIf no resolution is made within the required timeframe, I am prepared to file a complaint with the Consumer Financial Protection Bureau (CFPB) and other regulatory bodies.\n\nThank you for your prompt attention to this matter. I expect a written response within 30 days, as outlined by the FCRA.\n\nSincerely,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 2025-08-22 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:
I am filing this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. relating to the reporting of the following account : Creditor : XXXX XXXX XXXX Account Number ( partial ) : ( REDACTED ) Reported Balance : {$13000.00} Original Balance : {$24000.00} Status : Account charged off ; {$13000.00} past due Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Violations of the FCRA 1. Inaccurate & Misleading Balance Reporting 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX reports that {$23000.00} was written off while simultaneously claiming {$13000.00} remains past due. These figures are contradictory and can not both be accurate. Reporting a debt as simultaneously written off and still owed misleads creditors, lenders, and third parties, constituting a violation of the FCRAs requirement to furnish information with maximum possible accuracy.

2. Failure to Properly Investigate Disputed Information 1681s-2 ( b ) I have previously disputed the accuracy of this tradeline. XXXX XXXX, as the furnisher, was required to conduct a reasonable investigation into the dispute. Instead, the same inaccurate and contradictory information continues to be reported, demonstrating a failure to comply with its statutory duties under the FCRA. 
3. Failure to Mark the Account as Disputed 1681s-2 ( a ) ( 3 ) Creditors must notify credit reporting agencies when an account is disputed by the consumer. XXXX XXXX failed to properly mark this account as disputed in subsequent reporting, thereby misrepresenting its status and further harming my credit profile. 
4. Improper Reporting of a Charged-Off Account Once an account is charged off and the balance is written off, it can not continue to accrue new balances or be reported as past due. Reporting it in this manner inflates the derogatory impact of the tradeline and misrepresents the legal status of the debt, in violation of the FCRA and the CFPBs prohibition on unfair and deceptive practices. 

Harm to the Consumer As a result of XXXX XXXXXXXX XXXX violations, I have suffered : Severe damage to creditworthiness and FICO score Denial of access to affordable credit, loans, and housing Emotional distress and reputational harm caused by inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft and have been unable to open any new bank accounts because several fraudulent accounts have already been opened under my name without my knowledge or consent. I first became aware of this issue around XX/XX/year> when I attempted to open a legitimate account and was denied. Upon further investigation, I discovered multiple bank accounts had already been opened using my personal information. 

I did not authorize the opening of any of these accounts and have never had contact with some of the financial institutions where these accounts were opened. I suspect that the person or persons responsible also used my identity to apply for other services and loans, including mobile phone lines and auto loans. 

Since discovering the fraud, I have taken the following actions : Contacted the three major credit bureaus ( XXXX, XXXX, and XXXX  ) to place a fraud alert on my credit file. 
Filed an Identity Theft Report with the FTC. 
XXXX reaching out to each financial institution involved to report the fraudulent accounts and request their removal. 
Filed a police report with my local law enforcement agency. 

I am requesting that these fraudulent accounts be closed, that any debts incurred under my name be removed, and that any negative impact on my credit report be corrected.

Company response to consumer: Closed with explanation