vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: AZ

Complaint narrative:
In XXXX of XXXX, just 60 days ago, I realized that I was still having an ongoing issue with identity theft. My information was included in the XXXX  data breach as well as several other instances exposing large amounts of personally identifiable information, including my social driver 's license address date of birth phone number email etc. So I filed a dispute with Transunion after acquiring my FTC ID Theft Report, XXXX Police Report outlining all the fraudulent accounts and a brief synopsis of the events along with a signed affidavit under the penalty of perjury plus identification documents. I was careful to make sure I made it clear the accounts to be included and subsequently removed ( that I could see thus far- all of which were included on the police report and FTC report AND affidavit ). 48 hours later, all of the information included on my report that was part of identity theft had been removed. About three weeks later, conveniently when it was time to report again, I noticed that several items had been reinserted back onto my credit report without any notification from the company whatsoever. When I requested documentation on how they came to these findings along with how they determined that what they received from these entities/creditors were compelling and accurate enough to somehow could top an affidavit of fact, a police report, and an FTC report . Crickets. Them removing the inaccurate information, waiting three weeks, and reinserting only showed me that obviously these companies didn't update the spreadsheet before they kicked their monthly accounts through E-Oscar. They just tucked the inaccurate and fraudulent data back onto my report like it was just the thing to do. I called several times and of course nobody could tell me why and of course nobody knew a whole lot of anything. Just a lot of passing the buck. I was then told to wait 30 days so it could finish being investigated. When I told them that they by law only had four days to handle the situation I was met with scoffs and told that was inaccurate and if I had a problem I could take it up with the CFPB. I asked for management and was refused. I still to this day have never received any verification from these people. Despite numerous attempts.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against PFG Auto Finance and its alleged third-party collector, Swift Bad Credit Loans, for violations of federal and state law, including : Truth in Lending Act ( Public Law 90-321 ) The contract I signed on XX/XX/year> for my vehicle failed to disclose required terms prior to consummation, including the APR, finance charge, total of payments, payment schedule, and right to rescind. These omissions make the contract materially defective and unlawful. 
Fair Debt Collection Practices Act ( FDCPA, 15 Stat. 874 ) I have received unauthorized and harassing calls from XXXX XXXX XXXX XXXX, which claims to represent PFG Auto Finance. I have no privity of contract with XXXX, and no lawful validation of their authority has been provided. 
Telephone Consumer Protection Act ( TCPA, 47 Stat. 227 ) I have received repeated unwanted calls in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its extremely upsetting that false late payments are still listed on my credit report today. I refreshed my browser several times, yet the problem has not been fixed. I urgently ask that the documents I submitted be examined properly so I never have to deal with this stress again.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
My cash app account that I used for receiving my payroll and paying bills was closed stating it violated the terms of service. When I appealed this, I requested to know what terms it violated and after several requests for this info I still was not provided it. This account was never used in any fraudulent manner, I kept a positive balance all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-09-04 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:
Complaint Narrative : I am submitting this complaint because Experian and TransUnion are reporting inconsistent and inaccurate information regarding a XXXX collection account. 

Account details : Creditor : XXXX ( original creditor unknown ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Date Opened : XX/XX/year> ( conflicting dates across bureaus ) Status : Reported as Collection/Chargeoff Issues : Contradictory status Experian reports this account as Closed, while TransUnion reports it as Open. 

Inconsistent reporting dates XXXX opened and last activity differ between Experian and TransUnion ( XX/XX/year> vs XX/XX/year> ; XX/XX/year> vs XX/XX/year> ). 

Missing critical data No original creditor is listed, no payment history is provided, and no documentation has been supplied to validate this debt. 

False collection reporting Reporting a collection account without substantiation violates consumer rights under the FCRA.

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Reports must ensure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Prohibits reporting of unverified or false derogatory information.

607 ( 15 U.S.C. 1681e ) Credit bureaus must establish reasonable procedures for accuracy.

609 ( 15 U.S.C. 1681g ) Consumers are entitled to full disclosure of original creditor and proof of debt.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation within 30 days of a dispute.

623 ( 15 U.S.C. 1681s-2 ) Furnishers can not knowingly report false or unverifiable information.

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading representations of debt.

808 ( 15 U.S.C. 1692f ) Prohibits unfair or unconscionable 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 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any 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.

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 2025-09-04 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:
b'This delayed entry could be inaccurateplease take a look.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding a fraudulent account that has been reported under my credit profile. I did not open, authorize, or maintain this account. Its inclusion is inaccurate and is causing significant harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I made a payment on XXXX. I looked on Tuesday XXXX, and it still said processing. I looked on Wednesday XXXX and it had completely disappeared from the MOHELA site. Now it is saying it is past due and I have a confirmation number from Monday saying the payment was scheduled.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
I am submitting this statement to formally file a complaint with the CFPB regarding fraudulent and inaccurate information on my Experian credit report. Certain accounts and inquiries listed on my report are fraudulent and/or inaccurate. I did not open, authorize, or receive any benefit from these accounts, nor did I provide permission for their creation. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ), I am requesting that Experian : Block and delete any accounts or inquiries resulting from identity theft.

Conduct a proper reinvestigation of inaccurate, incomplete, or unverifiable items. 

Provide written confirmation once all fraudulent or disputed items are corrected or removed. 

Supporting Documentation Provided : Government-issued photo identification. 

Recent utility bill as proof of current address. 

Official [ police report OR FTC Identity Theft Report ] documenting identity theft. 

Supporting records regarding disputed items. 

Items Disputed : XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$1900.00} XXXX  XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance {$5000.00} XXXX XXXX XXXX Balance {$0.00}

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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains a fraudulent account that does not belong to me. I have never applied for, authorized, or used this account. Its reporting is completely inaccurate and has led to unfair harm to my credit reputation.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I called and asked for proof of the account and never received a letter in mail providing the information. I disputed multiple times and denied I have no knowledge of 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 2025-09-04 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, Experian, and XXXX  are reporting false and contradictory information on my XXXX XXXX XXXX credit card account. 

Account details : Creditor : XXXX XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Limit : {$2000.00} Balance : {$2000.00} ( inconsistent across bureaus ) Status : Reported as Closed / Negative Issues : False derogatory marks The account is reported as Closed but still shows late payments ( XXXX, XXXX, XXXX, and XXXX  days ) even after closure, which is impossible and misleading. 

Contradictory reporting The account is labeled Closed by credit grantor due to inactivity, yet it continues to show an active balance and past-due notations. 

Inconsistent reporting among bureaus Different balances ( {$2000.00} vs {$2000.00} ), different high balances ( {$2000.00} vs {$2100.00} ), and inconsistent last activity/payment dates. 

Harmful inaccuracies These false derogatory reports are damaging my creditworthiness. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must assure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Prohibits inclusion of obsolete or false derogatory data.

607 ( 15 U.S.C. 1681e ) Requires credit bureaus to maintain reasonable procedures for accuracy.

609 ( 15 U.S.C. 1681g ) No documentation has been provided to justify these reported delinquencies.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from knowingly reporting false or misleading data.

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair or unconscionable 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 2025-09-04 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-09-04 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized XXXX  inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) and ( B ) ( i ) and XXXX U.S.C. XXXX ( a ) ( XXXX ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with explanation