vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I was contacted to resolve an alleged debt. I didnt know I could dispute it. I called National Credit Association and asked them to provide me with Proof of Authority to show that can collect a debt on behalf of an original creditor. They did not provide me with that. And until then, you are required by law to cease all collection efforts, including any phone calls or written demands for payment. Furthermore, per my rights under 15 U.S.C. 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9700.00} Inquiries : 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 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently appearing on my TransUnion credit report. There are addresses listed on my credit file that do not belong to me, I have no knowledge of them, and I have never resided at those locations. The addresses XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL XXXX are not mine and should not be associated with my credit profile. Their presence reflects improper data matching, and I am requesting that TransUnion conduct a proper investigation and permanently delete these incorrect addresses from my credit report. 

In addition, TransUnion is reporting a charge-off account under XXXX account number ending XXXX, with a reported open date of XX/XX/year>, and a balance of {$1300.00}. I do not recognize this account, I have no knowledge of it, and I do not believe it belongs to me. Despite this, TransUnion continues to report the account as a charge-off without providing evidence that it has been accurately matched to my file. Under the Fair Credit Reporting Act, TransUnion is required to ensure that all reported information is complete, accurate, and verifiable, and reporting an account that I do not recognize without proper verification does not meet that standard. 

I am requesting that the CFPB require TransUnion to conduct a lawful and thorough reinvestigation of this matter. If TransUnion can not fully verify the ownership and accuracy of this account, it must be deleted from my credit file. I also request confirmation that the incorrect addresses have been permanently removed and that my TransUnion credit report reflects only accurate, properly verified information going forward.

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 2025-12-29 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
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 theXXXX 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 2025-12-29 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: PA

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 theXXXX 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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On or about XX/XX/year>, I was contacted by an individual through XXXX who claimed to be a legitimate buyer and contacted my auto lender pretending to be me. Without my authorization, this person called my lender, impersonated me, and made a fraudulent payoff payment using a false or stolen bank account.

The scammer then instructed me to send them money through Cash App under the false belief that the payoff had been made and that I needed to reimburse them. Based on that deception, I sent two payments through Cash App totaling {$1200.00} ( {$600.00} and {$680.00} ).

Approximately one week later, my lender informed me that the original payoff payment had been reversed because it was fraudulent. At that point, I realized I had been scammed and that the money I sent through Cash App was lost.

I immediately reported the fraud to Cash App and requested that they investigate and reimburse the {$1200.00} loss. Cash App denied reimbursement and stated they could not refund the transactions, even though the payments were made as a direct result of impersonation and fraud.

I also filed a report with the FTC and am willing to provide documentation including transaction records, communications with the scammer, and confirmation from my lender that the payoff payment was fraudulent and reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally document and prevent the unlawful reinsertion of a credit account that has already been deleted following a dispute. 

On XX/XX/year>, Experian completed an investigation and confirmed that the account reported by XXXX XXXX was deleted from my consumer credit file. This deletion was the result of a dispute under the Fair Credit Reporting Act ( FCRA ), and Experian issued a report reflecting that the item was removed.

Under FCRA 611 ( a ) ( 5 ) ( B ), once an item is deleted, it may not be reinserted unless the furnisher of information certifies that the information is complete and accurate. Additionally, the credit reporting agency must provide the consumer written notice within five ( 5 ) business days of any reinsertion.

I am submitting this complaint to : 1. Place Experian and XXXX XXXX on formal notice that this account must not be reinserted without full legal compliance.

2. Require that Experian maintain documentation proving any future certification of accuracy should reinsertion be attempted.

3. Require written notice to me within the statutory timeframe if reinsertion occurs.

4. Prevent repeated reporting of inaccurate or unverified information that previously failed investigation standards.

Please note that any reinsertion of this account without strict compliance with FCRA 611 ( a ) ( 5 ) ( B ) will constitute a knowing violation of federal law and will result in further regulatory complaints and legal action.

I am requesting the CFPB ensure : This deletion remains permanent unless lawfully certified All parties comply fully with reinsertion notice requirements No further inaccurate reporting occurs Thank you for your assistance in enforcing consumer protections under the Fair Credit Reporting Act.

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 2025-12-29 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ : XXXX : XXXX XXXX  XX/XX/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 2025-12-29 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: MS

Complaint narrative:
I am submitting this complaint regarding continued inaccurate credit reporting and obstruction of my dispute rights by XXXXXXXX XXXX XXXXXXXX, despite prior disputes and a CFPB investigation. 

I previously disputed late payments reported on my XXXXXXXX XXXX account. After those disputes, the late payment history became inconsistent across the credit bureaus, as follows : Experian : XXXX late payments TransUnion : XXXX late payments Equifax : XXXX late payments These materially conflicting records for the same account can not all be accurate and violate the Fair Credit Reporting Acts requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, before I initiated disputes, this account was reported in good standing across all three credit bureaus. Only after my disputes did the late payment counts increase and diverge, indicating improper handling of the investigation. 

Further, XXXX XXXX  has attempted to refuse or obstruct my disputes by asserting that I may be working with a credit repair business and demanding wet ink authorization. This conduct is improper and unlawful. The FCRA does not prohibit consumers from disputing through an authorized agent, nor does it permit a furnisher to ignore or reject disputes on that basis. This constitutes a violation of 15 U.S.C. 1681s-2 ( b ). 

Despite notice, XXXX XXXX  has failed to : Ensure consistent and accurate reporting across all credit bureaus Provide verification explaining the differing late payment histories Correct or delete inaccurate late payment information Requested Resolution I respectfully request that the CFPB require XXXX XXXX  XXXX to : Conduct a lawful and reasonable reinvestigation as required by FCRA 1681s-2 ( b ) Correct or delete all inaccurately reported late payments Ensure uniform and accurate reporting across Equifax, Experian, and TransUnion Cease obstruction of my lawful dispute rights If XXXX XXXX  can not substantiate the accuracy of the reported late payments with documented verification, the account information must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 am submitting this complaint regarding continued inaccurate credit reporting and obstruction of my dispute rights by XXXXXXXX XXXX XXXXXXXX, despite prior disputes and a CFPB investigation. 

I previously disputed late payments reported on my XXXXXXXX XXXX account. After those disputes, the late payment history became inconsistent across the credit bureaus, as follows : Experian : XXXX late payments TransUnion : XXXX late payments Equifax : XXXX late payments These materially conflicting records for the same account can not all be accurate and violate the Fair Credit Reporting Acts requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, before I initiated disputes, this account was reported in good standing across all three credit bureaus. Only after my disputes did the late payment counts increase and diverge, indicating improper handling of the investigation. 

Further, XXXX XXXX  has attempted to refuse or obstruct my disputes by asserting that I may be working with a credit repair business and demanding wet ink authorization. This conduct is improper and unlawful. The FCRA does not prohibit consumers from disputing through an authorized agent, nor does it permit a furnisher to ignore or reject disputes on that basis. This constitutes a violation of 15 U.S.C. 1681s-2 ( b ). 

Despite notice, XXXX XXXX  has failed to : Ensure consistent and accurate reporting across all credit bureaus Provide verification explaining the differing late payment histories Correct or delete inaccurate late payment information Requested Resolution I respectfully request that the CFPB require XXXX XXXX  XXXX to : Conduct a lawful and reasonable reinvestigation as required by FCRA 1681s-2 ( b ) Correct or delete all inaccurately reported late payments Ensure uniform and accurate reporting across Equifax, Experian, and TransUnion Cease obstruction of my lawful dispute rights If XXXX XXXX  can not substantiate the accuracy of the reported late payments with documented verification, the account information must be corrected or deleted.

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 2025-12-29 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
In accordance with the fair credit reporting act XXXX  account XX/XX/XXXXXXXX has violated my rights 15 usc 1681 section 602 A.States I have the right to privacity 15 usc 1681 Section 604 section2 it also state a consumer reporting agency can not furrist a account without my witten instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
In accordance with the fair credit reporting act XXXX  account XX/XX/XXXXXXXX has violated my rights 15 usc 1681 section 602 A.States I have the right to privacity 15 usc 1681 Section 604 section2 it also state a consumer reporting agency can not furrist a account without my witten instructions

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