vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year>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  XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX CARD - XX/XX/year> XXXX - XX/XX/year>XXXX XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX did identity verification multiple times, sent picture of myself, as well as over phone identification, and asked for account and routing numbers and was told account hold stll wont be lifted. 

Had XXXX supervisor laugh when I said id been callin all morning, and was even lied to and said the government only had access to account when they do as well XXXX attached documents are ones I sent in for verification and they still wont release my money hold.

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 2025-10-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-17 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-17 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: TX

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 TILA US Code 1666B 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-10-17 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: TX

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 TILA US Code 1666B 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 ( FCBA ) 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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Americas Car-Mart, Inc.
State: IL

Complaint narrative:
When I first bought the vehicle I sent it for auto pay it never worked because they put in the account number wrong I had to call in manually every single payment and charge a card or email back and forth with my account representative he has explicitly told me that he can not charge any other card that I sent him the information on without personally talking to me beforehand and charging it. yesterday XX/XX/year> of XXXX I woke up to an email stating them auto pay failed like always and I went to go check my bank account so that I can unlock my card to pay the car payment and they had charged my card without my permission this is the card that is not saved to autopay it is a card that I call in and have saved as a quick bill like I can call in and say use this card to charge but it's not an auto pay they have no explicit permission to use it yet they did

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have written debt verification letters requesting more information about the collection items on my credit report. FCRA U.S.C 1681, protects from incomplete, inaccurate or unverifiable information from being reported on my credit report. The companies in question have a responsibility to ensure the accuracy of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Subject : TrueAccord No Written Validation Notice / Improper Email Communication Details : On or around XX/XX/year>, I was contacted by TrueAccord regarding an alleged debt for XXXX XXXX XXXX. The company contacted me by email but did not provide a proper written validation notice containing the amount of the debt, the name of the creditor, or information on my right to dispute the debt within 30 days, as required under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act.

Additionally, I have never consented to receive debt collection communications via email, and the message did not include a clear opt-out option as required by 12 C.F.R. 1006.6 ( d ).

I am requesting that the CFPB investigate TrueAccord for failing to comply with federal consumer protection laws regarding debt collection and digital communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the correction and deletion of inaccurate, outdated, and duplicate personal identifying information from my consumer credit file. This request is made pursuant to 15 U.S.C. 602, 607 ( b ), and 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), which require credit reporting agencies to maintain accurate and current information in consumer reports. My credit file contains previous or incorrect addresses, names, and employer information that are no longer valid.

Please delete all former names, addresses, and employers from my file and retain only my current, accurate information as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/scrub>XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Current Employer : XXXX XXXX XXXX XXXXXXXX These corrections are required to ensure maximum possible accuracy of my personal identifying information, as mandated by the FCRA. Please remove any previous variations of my name, old addresses, or outdated employment information. I request written confirmation once these corrections have been completed and my file updated accordingly. 
XXXX XXXX XXXX Applicable statutory citations referenced : 15 U.S.C. 602, 607 ( b ), and 611 ( a

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 2025-10-17 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: DE

Complaint narrative:
Dear TRANSUNION, I recently reviewed my TRANSUNION credit report and discovered several accounts that contain inaccurate and unverifiable information. I am requesting a complete reinvestigation of these accounts under the Fair Credit Reporting Act ( FCRA ) and correction or deletion of any data that can not be verified as accurate and compliant with Metro 2 reporting standards.

Please review each account listed below and provide written confirmation of your findings, including the method of verification used to confirm the accuracy of the information. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93000.00} These delinquencies are unverified and inconsistent. Please provide proof from the original creditor or remove all inaccurate payment notations. 
XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The payment history appears inconsistent and potentially outdated. Please verify all late payment records directly with the furnisher. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} This is excessive and likely inaccurate. Please confirm whether the account was actually late for each of these months ; if not, remove all erroneous late notations. 
XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} These late payments are inconsistent with reported balances and may violate Metro 2 reporting guidelines. Please verify or delete the incorrect information.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 2025-10-17 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: GA

Complaint narrative:
I am requesting for the third time a DEBT VALIDATION and completeness, and validity of the account reported by XXXX XXXX XXXX  regarding an alleged debt originally from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This account was apart of data breach an is being reported as Derogatory / Collection / Charge-Off, yet the information furnished to you is legally deficient and not verifiable under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

. 1 FCRA 609 ( a ) ( 1 ) I am requesting all information in my file pertaining to this account, including the full chain of title, purchase agreement, and assignment contract that lawfully grants XXXX XXXX XXXX XXXX XXXX XXXX any right to collect or report this debt. 2 FCRA 611 ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of disputed information and delete or correct any data that can not be verified. 3 FCRA 623 ( a ) ( 1 ) ( A ) A data furnisher ( XXXXXXXX XXXX  ) is prohibited from reporting information that it knows, or has reasonable cause to believe, is inaccurate. 4 FDCPA 809 ( b ) A debt collector must cease collection activity and provide proper verification, including a copy of the signed contract and itemized accounting of the alleged debt, when requested. 5 FCRA 602 ( A ) ( 6 ) Credit reporting agencies must ensure maximum possible accuracy in consumer reports. Failure to maintain accurate data constitutes negligent or willful noncompliance under 616 and 617. Specific Reporting Errors Identified Account is reported as Open on TransUnion but Closed on Experian. Both files list different opened dates and inconsistent Date of Last Activity. Balance Owed {$830.00} the CFPB-confirmed deletion. Remarks show Account information disputed by consumer but not coded properly as deleted or resolved. XXXX XXXX XXXX XXXX XXXXXXXX XXXX failed to produce any assignment contract, bill of sale, or purchase agreement, rendering their reporting unverifiable. I want this account delete immediately as during this time of this dispute has impacted my life severely.

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 2025-10-17 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:
I am requesting for the third time a DEBT VALIDATION and completeness, and validity of the account reported by XXXX XXXX XXXX  regarding an alleged debt originally from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This account was apart of data breach an is being reported as Derogatory / Collection / Charge-Off, yet the information furnished to you is legally deficient and not verifiable under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

. 1 FCRA 609 ( a ) ( 1 ) I am requesting all information in my file pertaining to this account, including the full chain of title, purchase agreement, and assignment contract that lawfully grants XXXX XXXX XXXX XXXX XXXX XXXX any right to collect or report this debt. 2 FCRA 611 ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of disputed information and delete or correct any data that can not be verified. 3 FCRA 623 ( a ) ( 1 ) ( A ) A data furnisher ( XXXXXXXX XXXX  ) is prohibited from reporting information that it knows, or has reasonable cause to believe, is inaccurate. 4 FDCPA 809 ( b ) A debt collector must cease collection activity and provide proper verification, including a copy of the signed contract and itemized accounting of the alleged debt, when requested. 5 FCRA 602 ( A ) ( 6 ) Credit reporting agencies must ensure maximum possible accuracy in consumer reports. Failure to maintain accurate data constitutes negligent or willful noncompliance under 616 and 617. Specific Reporting Errors Identified Account is reported as Open on TransUnion but Closed on Experian. Both files list different opened dates and inconsistent Date of Last Activity. Balance Owed {$830.00} the CFPB-confirmed deletion. Remarks show Account information disputed by consumer but not coded properly as deleted or resolved. XXXX XXXX XXXX XXXX XXXXXXXX XXXX failed to produce any assignment contract, bill of sale, or purchase agreement, rendering their reporting unverifiable. I want this account delete immediately as during this time of this dispute has impacted my life severely.

Company response to consumer: Closed with explanation