vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: FL

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 2025-10-03 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This complaint concerns a fraudulent Acima lease account for approximately {$10000.00} at XXXX XXXX in downtown XXXX XXXX. An individual built my trust over time and used manipulation and coercion to pressure me into authorizing this transaction. My consent was neither voluntary nor informed, and I did not benefit from this purchase. I have not seen this individual since and am blocked from all communication channels. 

I have experienced ongoing financial abuse from this individual, who opened multiple accounts in my name, including XXXX XXXXXXXX  ( closed after recognizing the abuse ), Acima, XXXX XXXX, XXXX, and unauthorized use of my personal XXXX XXXX XXXXXXXX account. He pressured me to open so many accounts that I eventually could no longer open any new ones, which was the only relief from further financial abuse. 

This individual made additional purchases totaling {$10000.00}, {$2500.00}, and more. I repeatedly told him to stop and said no to further purchases. He would initially agree, often promising no more shopping, sometimes after taking me out to dinner or attempting to smooth things over. However, he continued to pressure me in person, sometimes in public, insisting that I open accounts or authorize charges. I felt compelled to comply despite my objections. On several occasions, cashiers noticed my nervousness, reflecting the pressure I was under. 

One incident involved a similar transaction at another store. He told me we were going out to eat, but when I arrived, he was already at the store. He claimed he was looking for something for me, but everything in the store was clearly for men. Then he told me, Im getting this watch, can you give him your card? I was caught off guard and pressured into handing over my card, even though I had not agreed to the purchase. I did not benefit from the watch in any way ; it was for him. 

I have additional evidence, including text messages and emails, showing his admission of responsibility. I have contacted Acima at least twice to dispute this account, and both times they responded that they can not help me with this situation. Despite providing evidence, they have refused to correct the account. 

This account is being reported on my credit reports and Acima ( or a collector ) is attempting to collect this debt. This situation has caused me serious financial and emotional harm, including stress, fear, and disruption to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
follow up on my prior dispute of inaccurate items on my credit report. I previously submitted a formal complaint ( CFPB Ref # XXXX, filed XX/XX/XXXX ) regarding these accounts. 

Under the Fair Credit Reporting Act ( FCRA 611 ), you are required to complete investigations within 30 days ( or 45 days if additional information is provided by the consumer ). More than 60 days have now passed since my dispute was filed. No proper verification has been provided. Instead, I received only generic responses and status updates that did not include documentation or evidence supporting the accuracy of the accounts.

Because the disputed accounts were not verified within the legally required timeframe, they must be deleted from my credit file immediately.

The disputed items includes ( but are not limited to ) : XXXX unsecured loan {$2100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card ( closed XX/XX/XXXX, still showing derogatory {$280.00} balance ) XXXX XXXX XXXX Auto Loan / Reported as repossession without proper proof XXXX XXXX XXXXXXXX Inaccurate reporting / unresolved dispute Two unauthorized open credit cards in good standing that I never opened These items continue to cause harm by lowering my score and preventing me from securing stable housing for myself and my children. Since verification has not been provided within the statutory period, I am demanding permanent deletion of these accounts from my report in compliance with FCRA.

Please provide me with written confirmation once these deletions are completed.

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 2025-10-03 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: IN

Complaint narrative:
follow up on my prior dispute of inaccurate items on my credit report. I previously submitted a formal complaint ( CFPB Ref # XXXX, filed XX/XX/XXXX ) regarding these accounts. 

Under the Fair Credit Reporting Act ( FCRA 611 ), you are required to complete investigations within 30 days ( or 45 days if additional information is provided by the consumer ). More than 60 days have now passed since my dispute was filed. No proper verification has been provided. Instead, I received only generic responses and status updates that did not include documentation or evidence supporting the accuracy of the accounts.

Because the disputed accounts were not verified within the legally required timeframe, they must be deleted from my credit file immediately.

The disputed items includes ( but are not limited to ) : XXXX unsecured loan {$2100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card ( closed XX/XX/XXXX, still showing derogatory {$280.00} balance ) XXXX XXXX XXXX Auto Loan / Reported as repossession without proper proof XXXX XXXX XXXXXXXX Inaccurate reporting / unresolved dispute Two unauthorized open credit cards in good standing that I never opened These items continue to cause harm by lowering my score and preventing me from securing stable housing for myself and my children. Since verification has not been provided within the statutory period, I am demanding permanent deletion of these accounts from my report in compliance with FCRA.

Please provide me with written confirmation once these deletions are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
I am filing a complaint against [ Experian/TransUnion ] for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a bankruptcy they are reporting on my credit file.

I disputed this bankruptcy under 15 U.S.C. 1681i, requesting verification. The credit bureau responded that the bankruptcy was verified, but failed to provide the method of verification or documentation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The bankruptcy court does not furnish consumer information to credit bureaus, which means the bureau can not directly verify this public record with the court.

By continuing to report this item without proper verification, the bureau is violating : - 15 U.S.C. 1681i ( Reinvestigation requirements ) - 15 U.S.C. 1681c ( Reporting limitations ) I request that the CFPB require [ Experian/TransUnion ] to block unverifiable bankruptcy.

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 2025-10-03 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  - XXXX Unknown - XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal  XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-03 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-03 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

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 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
They lied on the credit report and was lying to us that they was working to get the car fixed but never heard anything and then made false reports on our credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am an assuming borrower on a mortgage loan serviced by Freedom Mortgage. After completing the loan assumption, I was informed that I can not access the online banking portal. This prevents me from : Viewing statements and banking history Setting up autopay or making electronic payments Monitoring escrow and tax/insurance disbursements ' This denial of online access is burdensome especially since other freedom mortgage borrowers have online servicing access. I am XXXX XXXX military and often can not rely on paper mail communication due to frequent travel and XXXX. This leaves me uninformed while on XXXX  and could potentially jeopardize my credit. This is a VA loan that is supposed to be military friendly.

Please investigate this matter and compel Freedom Mortgage to change their existing process.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX IS REPORTING AN INCORRECT UNMAILABLE ADRESS ON MY CONSUMER FILE ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THISADRESS SHOULS NT BE ON MY CONSUMER REPORT AT ALL AND VIOLATES MY PRIVACY. 
The ONLY, address that should be on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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 dispute concerns false and contradictory information on my credit file in violation of FCRA and Metro 2 guidelines. 
Inaccuracies Identified : XXXX. XXXX XXXX High Balance {$0.00} is patently false ; actual high balance {$23000.00}.

Metro 2 Field 31 violation. 
XXXX. Dept. of Education / XXXX XXXX Showing 0/0/4 lates while grids display all On time. Inconsistent remarks ( Consumer Disagrees ) not properly coded. Violation : 607 ( b ), 623 ( a ) ( 3 ). 
XXXX. XXXX Shows 0/2/8 lates and Charge Off, conflicting with XXXX. Violation : 607 ( b ). 
XXXX. XXXX XXXX Conflicting statuses and dates of last activity. Metro 2 Field 17 violation. 
XXXX. Collections ( XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) Duplicate reporting of same debts. FDCPA 807 ( 2 ) ( A ) violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I dispute the accuracy of the following accounts appearing in my Experian file : XXXX Late counts inconsistent with XXXX. 
XXXX XXXX XXXX XXXXXXXX Reports high credit {$530.00} vs limit {$300.00} ; fast escalation to 120+ days late is implausible. 
XXXX XXXX XXXX Multiple duplicates with nonsensical late counts. 
XXXX XXXX XXXX Impossible 29 straight 90-day lates. 
XXXX XXXX ( XXXX ) Reports {$0.00} with XXXX but charge-off with XXXX. 
XXXX XXXX . Status conflict : Experian shows Paid charge-off while XXXX  reports As Agreed. 
XXXX XXXX  Balance exceeds original high credit, entire balance flagged past due.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
In short, XXXX owns Ally Bank. The bank made an authorized, possibly fraudulent payment to themselves.

I sent an email to the " executive responsible for audit, I think you'd be concerned about it a problem impacting IT, unauthorized payment to Synchrony, and incompetent customer service. 

On Monday XX/XX/year> I called customer service because the snapshot of my Ally accounts on the app indicated a bill pay in process for XXXX in the amount of {$1100.00} to XXXX XXXX XXXX, owned by XXXX. 

While waiting, I checked the Ally web page version and found the automatic payment I had had in place for at least a year was no longer displaying. The auto pay had been set to pay the minimum due each month a day or so before the due date. Now XXXX auto pay displayed. 

I hope you have a recording of my call because the customer service rep took a very long time researching to tell me that he checked auto pay and checked pending payments and said not to worry, it was the minimum payment being made and not the XXXX shown in the mobile app and the web page. 

I said this problem should be reported right away to IT because the app was misrepresenting the pending payment and the web page was misreporting my scheduled auto pay. If a bank is supposedly available XXXX, XXXX the numbers being reported must be accurate - basic banking and basic data management. 

When I checked my spending account again on Friday XXXX I found that Ally had made the unauthorized payment I specifically alerted about and explicitly instructed was not to be paid! My savings account was ravaged to cover insufficient funds and your owning company received more than XXXX XXXX dollars than I authorized. 

I called and waited and finally got a supervisor and waited, I was informed that since it was 2 business days past the payment, the bank was not responsible for reimbursing me the amount and I would have to pursue that with Synchrony.

I've already paid for this in hours and much frustration and a full month of recovery from financial decisions over which I had no control. ''

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 2025-10-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief