vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC
State: TN

Complaint narrative:
Lendnation of XXXX tn .. I have a XXXX $ loan out with them and she showed up to my home after 2 months missed payments. And spoke to my girlfriend ( whom is not my wife ) about my personal loan giving out personal private info. Which is illegal. Then offered for her to pay her XXXX $ and she would take care of it. I believe there is some sort of scamming involved. This is not the first time this has happend. Also!! My girlfriend got approved for a XXXX $ loan from same lady. Which we both were making payments on time untill we realized something wasnt right. On multiple occasions she has tried to charge her card for my loan or vice versa. Which she was not given the OK to do so. We have camera footage of said interaction. She showed today which is XX/XX/year> and did not disclose whom she was or her business being there. Then magically says XXXX $ cash will resolve me being behind on my loan. I am also niece of the current XXXX and will make sure the will limit their ability to find customers to serve this is the most ridiculous company I have done business with. ALSO mind you we took these loans out to build our credit and its been over a year!! And not ONCE have they reported for our on time payments ( which is promised ) when you sign documents

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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX CA XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute several inaccuracies and outdated entries on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt reinvestigation and removal of the following accounts, which contain errors or are no longer legally reportable. 

1. XXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX This account was closed on XX/XX/XXXX, and the balance has been fully paid. However, it continues to report derogatory late payments despite being satisfied and closed in good standing. I have attached proof showing the accounts accurate status as 'Paid satisfactorily. ' Please remove all negative notations and ensure consistency across all bureaus. 

2. * * Department of EducationXXXX XXXX XXXX * * These federal student loans are currently in Voluntary Forbearance until XX/XX/XXXX. According to the FCRA ( 15 U.S. Code 1681c ), credit reporting agencies must ensure that reported information is both accurate and timely. These accounts are reporting late payments despite being in an approved forbearance period, which misrepresents the current status. Please remove any delinquencies associated with these loans during forbearance and update all statuses to 'Current ' or 'In Forbearance. ' Supporting documentation is enclosed. 

In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reasonable investigation and correct or remove the disputed information within 30 days of receipt of this letter. If you are unable to verify the accuracy of the disputed information, it must be deleted from my credit file.

Please send me written confirmation of your investigation and results. If you require additional documentation, do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
My bankruptcy was discharged and they are falsely reporting an account with negative information on my credit report. They updated incorrectly and I would like the account deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Identity was stolen, probably when one of the entities I received direct deposit or do autopay to was hacked. 
Hacked checking account at XXXX  XXXX XXXX, numerous fraudulent debits, mostly flagged as XXXX XXXX and XXXX XXXX. 
Fraudulently opened three ( 3 ) accounts with XXXX XXXX ( I did not and do not now have a XXXX XXXX account. ) Fraudulently opened account with XXXX XXXX ( XXXX ). 
Apparently used my name to do business with XXXX XXXX in Texas and other states. 
Attempted to open several credit card accounts. 
Attempted several payday loan applications. 
Even sent me a fake check from " XXXX XXXX '' to try and get to my new checking account. 
Collection agencies, Sunrise for XXXX  and XXXX for XXXX XXXX have made collections reports to XXXX and XXXX. Note : My FICO was XXXX in XXXX and now is suddenly under XXXX because of these fraudulent debt collections actions.

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 2025-06-13 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: OR

Complaint narrative:
I am a 100 % Permanently & Totally XXXX XXXX XXXX XXXX. In XXXX, I received $ XXXX in backpay from the XXXX XXXX XXXX XXXX XXXX to a multi-year delay in compensation. That hardship directly caused temporary financial strain, during which I fell behind on XXXX XXXX XXXX XXXX  accounts. 

When I contacted XXXX XXXX XXXX by phone, I was explicitly told by a representative that if I made a payment, the late payments would be removed from my credit report. I followed through both accounts are now fully paid, closed, and have {$0.00} balances. However, the late payments were never removed, and XXXX XXXX never provided any follow-up or written confirmation of what was promised. 

I followed up via multiple emails to XXXX XXXX XXXX offices and provided all documentation, including : Redacted proof of XXXX  XXXX XXXX proof of late payment history Screenshots of the accounts showing fully paid, closed status Proof XXXX XXXX XXXX own public statements ( XXXX/Experian ) saying goodwill deletions are available upon request Despite this, XXXX  XXXX has continued reporting : XXXX late ( XX/XX/XXXX ) XXXX late ( XX/XX/XXXX ) XXXX late ( XX/XX/XXXX ) Another XXXX late ( XX/XX/XXXX ) on a second account This conduct violates : FCRA 1681s-2 ( b ) information must be accurate and not misleading UDAAP ( under the CFPB Act ) deceptive practices through false verbal promises Basic contract principles they made a verbal offer, I fulfilled it, and they refused to follow through These derogatory marks are now blocking me from qualifying for a XXXX mortgage, despite XXXX XXXX own advertised policy allowing goodwill removals and my documented federal hardship.

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 2025-06-13 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I sent XXXX dollars to my girlfriend for curtains the note auto corrected to XXXX and they locked my account and reviewed the payment and theyve been reviewing it for over a week and wont give me a date that itll be done. I havent been able to access my money at all and I havent been able to eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I kindly ask that you update my personal information without delay. It is important that my records reflect accurate details, and I have provided the necessary documents for verification. Please make these corrections as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
Because no valid documentation has been provided to verify this debt, I am requesting that this account be immediately removed from all credit bureau reports and that its status be updated to reflect this formal dispute. 
Please confirm in writing the results of your investigation. Reporting inaccurate or unverified information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-06-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX Account Number : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX the following was charged to my checking account/debit card : NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never in New Mexico - I live in TN- I filed a claim and they denied it as it showed the " physical card was used '' the card has never been out of my possession- I ordered a new card as this happened and I STILL have the old card. 

The amount was for {$200.00} + a {$3.00} non WF ATM charge.

WF has said that there are no signs of fraud and refuses to investigate it further.

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 2025-06-13 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief