vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within XXXX business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX Account Number : 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 2025-11-24 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:
I have no ownership of these accounts and demand that they be removed within the 15-day FCRA requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-24 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed me and my son account I sponsored his account at time it was shut down. I tried to get money from his account but I couldn't access my account to get the money my son also tried but couldn't access his account because the closed his and no option to take out money. So I called and they keep telling me I can withdraw. I've tried everything I've complained appeal it and could not access the account at all then I tried to access it again using my info they closed both accounts leaving XXXX in my son account and they won't let me or my son get it out they totally have blocked us from our account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-11-24 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( XXXX ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps.

Account Details in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Escrow and Title Services, Inc.
State: MI

Complaint narrative:
Complaint, QWR, DVR and demand for disclosure under TILA the source of funds and a copy of wire transfer receipt, cancelled check, ACH evidencing money loaned to me. 
I recently consulted with a private investigator, who informed me that on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deceptively sold me a table funded transaction with DRY closing, in violation of MI Predatory Lending Practices Act which Prohibits false, deceptive, or misleading statements in connection with a home loan. And XXXX XXXX  XXXX which Requires that loan funds be disbursed at or before closing to the settlement agent, typically via wired funds or cash. 

DRY closings where funds come several weeks after closing ( IF any funds come at all from never disclosed to me parties ) are illegal in Michigan and prohibited. 

Based on XXXX XXXX release of mortgage dated XXXX XXXX no money were wired by anyone on my closing day. 

The forged XXXXXXXX XXXX XXXXXXXX  dated my closing day, which was sent in my closing package to XXXX XXXX  before I signed all documents in favor of non- lender XXXX XXXX  evidenced that it was a table funded dry transaction conducted in violation of Michigan laws I demand immediately disclose the source of funds received on my behalf by XXXX XXXX and XXXX XXXX XXXX when exactly these funds were sent and proof of these funds : copy of wire transfer receipt, cancelled check, ACH

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Tesla, Inc.
State: DC

Complaint narrative:
XXXX wrongfully repossessed my vehicle on XX/XX/XXXX, even though the official repossession notice and finance department documentation required only that I pay {$600.00} by XX/XX/XXXX to prevent repossession. 
I followed these instructions and sent a {$750.00} payment, which is more than what XXXX required. XXXX confirmed in writing that my payment was received and posted. 
Despite this, a XXXX team member incorrectly claimed that I had made a commitment to pay {$800.00} by XX/XX/XXXX, which I never agreed to. There is no written or verbal agreement from me making such a commitment. This appears to be the employees error, and they used this false statement to justify repossessing the vehicle early. 
XXXX XXXX written documents clearly stated that payment of {$600.00} before XX/XX/XXXX would stop repossession. I paid {$750.00}, was in active communication, and was told my case was being reviewed. Instead of honoring their own written conditions, XXXX repossessed the vehicle XXXX days early, without proper notice. 
Additionally, the night of the repossession, I received a XXXX app alert at XXXX XXXX stating that my car doors were unlocked. I had locked the vehicle earlier. When I attempted to lock it again through the app, I discovered I no longer had access and realized the car had been repossessed. 
I requested documentation from XXXX, including : A copy of all notices they claim were sent The repossession authorization and date An explanation for the early repossession XXXX has not provided these documents. 
XXXX repossessed my vehicle despite : Ongoing communication A posted {$750.00} payment Their finance department stating only {$600.00} was needed by XX/XX/XXXX A team member placing a hold on the repossession No valid commitment from me to pay {$800.00} Conflicting and misleading information from XXXX XXXX This repossession was premature, improper, and based on incorrect internal communication within XXXX. It has caused significant hardship. I am requesting that the CFPB require XXXX to provide the documents I asked for, correct the false information, and address this wrongful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a 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
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My personal information was leaked in a national data breach. I would like all debt collections, charge off, hard and soft inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian is reporting two different addresses for meXXXX XXXXXX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXXas if they are both currently mine, even though only one is correct, and despite multiple attempts on my part to have this corrected, the furnishers have failed to meet their FCRA 623 ( a ) ( 2 ) duty to update and maintain accurate information. Along with the incorrect addresses, certain accounts associated with them appear outdated or potentially obsolete, which raises concerns under FCRA 605 ( a ) because they should no longer be appearing on my consumer report, yet Experian continues to publish them without verifying their accuracy. When I disputed these issues, the responses I received showed no evidence of a proper reinvestigation ; the furnishers simply marked the items as verified without making any corrections at all, violating their FCRA 623 ( b ) obligation to conduct a reasonable investigation. As a result, false, outdated, and unverified information remains on my credit file, affecting my creditworthiness and placing me in a position where I can not rely on Experian to maintain legally compliant reporting practices.

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 2025-11-24 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and conflicting items on my credit reports with Experian, Equifax, and TransUnion, which violate my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1666, 1666a, 1681g, 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681c, 1681d, 1681e, and related provisions ; specifically, my XXXX XXXX  accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) report multiple 30- and 60-day late payments with balances ranging from {$1200.00} to {$1400.00} inconsistently across TU, EX, and EQ despite timely payments according to my records, my XXXX XXXX  accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX report {$21000.00} with XXXX XXXX late payments in XX/XX/XXXX XXXX XXXX and XXXX while XXXX shows {$20000.00} with no late payments, my XXXX  account ( XXXXXXXX XXXX XXXX XXXX  ) shows XXXX XXXX late payments in XX/XX/XXXX and balances between {$34000.00} and {$34000.00} with inconsistent last activity and open dates across all three bureaus, closed accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to report 30- and 60-day late payments despite XXXX balances, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report incorrect late payment dates and balances, all of which constitute failures by the furnishers to comply with 611 dispute procedures, 623 ( a ) ( 1 ) ( A ) responsibilities, 623 ( a ) ( 2 ) duty to correct and update, 623 ( b ) duty to investigate, 605 ( a ) on obsolete information, 609 right to full disclosure, and 1666/1666a correction of billing errors and restrictions during disputes, causing material harm to my creditworthiness and financial opportunities.

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 2025-11-24 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and conflicting items on my credit reports with Experian, Equifax, and TransUnion, which violate my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1666, 1666a, 1681g, 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681c, 1681d, 1681e, and related provisions ; specifically, my XXXX XXXX  accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) report multiple 30- and 60-day late payments with balances ranging from {$1200.00} to {$1400.00} inconsistently across TU, EX, and EQ despite timely payments according to my records, my XXXX XXXX  accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX report {$21000.00} with XXXX XXXX late payments in XX/XX/XXXX XXXX XXXX and XXXX while XXXX shows {$20000.00} with no late payments, my XXXX  account ( XXXXXXXX XXXX XXXX XXXX  ) shows XXXX XXXX late payments in XX/XX/XXXX and balances between {$34000.00} and {$34000.00} with inconsistent last activity and open dates across all three bureaus, closed accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to report 30- and 60-day late payments despite XXXX balances, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report incorrect late payment dates and balances, all of which constitute failures by the furnishers to comply with 611 dispute procedures, 623 ( a ) ( 1 ) ( A ) responsibilities, 623 ( a ) ( 2 ) duty to correct and update, 623 ( b ) duty to investigate, 605 ( a ) on obsolete information, 609 right to full disclosure, and 1666/1666a correction of billing errors and restrictions during disputes, causing material harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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