vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
This letter is being submitted as a formal request to review and correct an inaccurate late payment appearing on my credit report. I have examined my records carefully and confirmed that this payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Sold my daughter a lemon a it stop working so she left it where it stop at a told them to pick it up.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2025, I sent a formal written debt validation request to XXXX XXXX XXXX regarding an account they claim is owed, originally from XXXX  XXXX, with an account number ending in XXXX. I requested proof of the debt including a signed agreement, full breakdown of the balance, and documentation showing they have legal authority to collect. 

XXXX responded with limited internal statements and no signed contract, bill of sale, or proof of ownership. The documents they provided did not satisfy the requirements of a proper validation under the Fair Debt Collection Practices Act. 

Following this, I filed a dispute with Experian, requesting that the account be deleted if it could not be fully verified. On XX/XX/2025, Experian responded that the account was " updated '' but not removed and did not provide any supporting documentation or validation of the debt. 

Experian failed to conduct a reasonable investigation and continues to report inaccurate and unverified information. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ). The continued presence of this unverifiable debt is negatively impacting my creditworthiness and access to financial services. 

I am requesting that the CFPB investigate this matter and require both XXXX XXXX XXXX and Experian to comply with federal law, and remove the disputed 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 2025-07-15 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: NV

Complaint narrative:
I have reviewed my credit report and identified an inquiry I did not initiate. I believe this may be related to identity misuse or an application submitted without my knowledge or consent.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX is reporting a late payment XX/XX/year> to Equifax with an on-time payment XX/XX/year>. XXXX XXXX is reported a late payment to XXXX  for XX/XX/year> with an in time payment made XX/XX/year> to XXXX. XXXX XXXX  is reported a late payment to XXXX  XX/XX/year> and an on-time payment XX/XX/year>. How is this possible? XXXX XXXX  is reporting false late payments on this account. I have disputed this account with the credit bureaus directly as well as with XXXXXXXX XXXX XXXX XXXX will change the late payments to different months and change the on-time payments to different month. This is a complete violation of my consumer rights. XXXX XXXX  is supposed to report accurate and complete account information and they have failed to do so. The credit bureaus is supposed to conduct a thorough investigation and XXXX, Equifax, and XXXX  have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
XXXX XXXX  is reporting a late payment XX/XX/year> to XXXX  with an on-time payment XX/XX/year>. XXXX XXXX  is reported a late payment to XXXX  for XX/XX/year> with an in time payment made XX/XX/year> to XXXX. XXXX XXXX  is reported a late payment to Transunion XX/XX/year> and an on-time payment XX/XX/year>. How is this possible? XXXX XXXX  is reporting false late payments on this account. I have disputed this account with the credit bureaus directly as well as with XXXX XXXX XXXX XXXX will change the late payments to different months and change the on-time payments to different month. This is a complete violation of my consumer rights. XXXX XXXX  is supposed to report accurate and complete account information and they have failed to do so. The credit bureaus is supposed to conduct a thorough investigation and XXXX XXXX XXXX Transunion have failed to do so.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I am writing to formally dispute a late payment entry that is currently listed on my credit report. After reviewing my personal records and transaction history, I am confident that the payment in question was submitted on time and was not delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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  {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX, Ca XXXX [ XXXX ] [ XXXX ] Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal request for the validation and verification of all accounts listed below that appear on my consumer credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute and request proper validation of these entries. 

I am requesting that you provide complete documentation that validates the legitimacy, ownership, and accuracy of each of the following accounts : Accounts in Question : 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 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 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 Balance : {$530.00} ( charged off ) Remarks : Unpaid balance charged off Remove by : XX/XX/XXXX Action Requested : Please provide complete and verifiable documentation for each of the above accounts, including : Proof of original debt and amount Copy of signed agreements Proof of your authority to collect and report the debt Chain of custody for purchased debt ( if applicable ) Complete payment histories If you are unable to provide full verification within 30 days, I request that these items be immediately removed from all reporting to XXXX  Experian, and TransUnion. 

This letter is not a refusal to pay but a good-faith request for verification. Continued reporting of unverified information may constitute a violation of the FCRA and FDCPA. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX SSN ( last 4 digits ) : XXXX DOB : [ 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX XXXX case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

XXXX XXXX My Background XXXX XXXX I was a customer of Juno which used XXXX XXXXXXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

XXXX XXXX The Harm I Suffered XXXX XXXX When my account was frozen, I had XXXX in the account. Since then, I have recovered XXXX, leaving XXXX still inaccessible over a year later. JUNO also in the middle of settling my fraud charges. 

This interruption has caused me significant hardship. I had to take on debt and loans to survive while waiting for my funds and I experienced severe anxiety and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a XXXX XXXX XXXX XXXX XXXX  who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I spoke with his company many of times & told them to stop calling me. Said they will but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX for {$1000.00} and financed it through Affirm. I have paid {$520.00} toward the loan so far. 

After fewer than six months of use, the vacuum stopped functioning properly due to a battery issue. The XXXX app itself showed a battery failure. I contacted XXXX and requested a refund. Instead, they offered a replacement. 

The replacement unit arrived in a sealed box, but I have not opened it. After researching online and seeing how common premature battery failure is across XXXX models ( as shown in many consumer XXXX videos ), I lost confidence in the product. XXXX does not mention the battery at all on its product page, and its XXXX listing claims a battery life that is not consistent with user experiences. I believe this replacement will result in the same issues and does not address the root problem. 

I again requested a refund, but XXXX has refused. I am now stuck making payments for a defective product that I can not rely on and that the company will not refund or properly support. 

I contacted Affirm to ask them to investigate and stop further payments, and they have currently paused the loan while they review the matter. 

I am requesting that the loan be canceled entirely and that the {$520.00} already paid be refunded to me. I can provide proof of the purchase, payment history, battery failure ( screenshot ), and all communications with XXXX and Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX, Ca XXXX [ XXXX ] [ XXXX ] Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal request for the validation and verification of all accounts listed below that appear on my consumer credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute and request proper validation of these entries. 

I am requesting that you provide complete documentation that validates the legitimacy, ownership, and accuracy of each of the following accounts : Accounts in Question : 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 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 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 Balance : {$530.00} ( charged off ) Remarks : Unpaid balance charged off Remove by : XX/XX/XXXX Action Requested : Please provide complete and verifiable documentation for each of the above accounts, including : Proof of original debt and amount Copy of signed agreements Proof of your authority to collect and report the debt Chain of custody for purchased debt ( if applicable ) Complete payment histories If you are unable to provide full verification within 30 days, I request that these items be immediately removed from all reporting to XXXX  Experian, and TransUnion. 

This letter is not a refusal to pay but a good-faith request for verification. Continued reporting of unverified information may constitute a violation of the FCRA and FDCPA. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX SSN ( last 4 digits ) : XXXX DOB : [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I recently received a copy of my XXXX XXXX  and chex systems report and noticed several inaccuracies and unauthorized accounts and info reporting to my report. These remarks are inaccurate and detrimental to my banking history and I am unable to open a bank account.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am submitting this formal complaint regarding XXXX XXXX XXXX, which is inaccurately reporting a student loan account on my credit reports across the major credit bureaus ( XXXX XXXX XXXX XXXX  ). I recently contacted XXXX directly and was informed that I do not have an account with them. 

Issue Summary : I do not owe any debt to XXXX. 

A representative from XXXX confirmed no account exists in my name. 

Despite this, an account is being reported to the credit bureaus. 

This false reporting is damaging my credit, causing me extreme stress, and is in violation of federal law. 

Legal Violations : This continued misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers of information from reporting inaccurate data. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputed information and delete inaccurate or unverifiable data within 30 days. 

15 U.S.C. 1681b : No one is permitted to obtain or use a consumer report without a permissible purpose. XXXX has no such purpose here. 

Furthermore, continued collection or furnishing of this account constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and harassment and emotional distress, which may be actionable under state consumer protection laws. 

Cease and Desist : I am issuing a Cease and Desist demand pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate about this debt or report it to any consumer reporting agency will be seen as a knowing violation of federal law and will be documented for legal action.

Company response to consumer: Closed with explanation