vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I've been telling cash app that my card has been compromised for the last XXXX and a half months and my money just kept coming up missing. I've gotten a new card more than once and my money keeps coming up missing. I'm trying to be patient. I'm missing over XXXX $ and I'm waiting for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I challenge the accuracy of entries reflecting accounts established without my consent. Conduct an exhaustive inquiry and expunge them. Relevant records are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: HI

Complaint narrative:
Credence resources management failed to provide me with the original document from creditor I did not sign a contract with credence resource management and I dont have any liability in debt with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: VA

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 2025-08-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am contacting you regarding an unauthorized account reported under my name. I have never opened, authorized, or used this account, and its presence is entirely inaccurate. This false reporting is negatively impacting my financial credibility and causing unwarranted distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my name. I have no association with this account and never authorized its creation or use. Its reporting is misleading, false, and significantly damaging to my credit profile and financial standing.

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 2025-08-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple late payment notations that do not reflect my actual payment history. Specifically : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Date Opened : XX/XX/XXXX Late Payment Reported : XXXX  days late in XX/XX/XXXX Discrepancy : Not reported on Experian XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX days late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3900.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion I dispute these late payment notations, as they do not reflect my true payment history. I have made timely payments on these accounts, and any late payments indicated are not accurate or substantiated. The discrepancies between the credit bureaus create confusion, and the failure to report consistently undermines the integrity of my credit file.

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 2025-08-25 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: GA

Complaint narrative:
I reviewed my credit report and discovered several inaccurate personal identifiers and unauthorized inquiries that do not belong to me. These include multiple incorrect name variations, outdated or unfamiliar addresses, and inquiries from lenders I have never engaged with. 
The names reported in error include : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX The incorrect addresses include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries also appear on my report without my authorization or consent : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inaccuracies are a clear violation of my rights under FCRA 611, which grants me the right to a thorough and timely reinvestigation, and FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy. The continued presence of these unverifiable and inaccurate entries despite my dispute demonstrates a failure to meet these legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I financed a XXXX XXXX XXXX through Ally Bank on XX/XX/XXXX, with an original balance of {$21000.00}, a XXXX  month term, and an APR of XXXX  %. After making payments for over XXXX  years, Ally currently reports my balance as of {$16000.00}, While transunion reports {$18000.00}. This is a discrepancy of nearly {$2000.00}. 
Ally has repeatedly assessed late fees of $ XXXX {$26.00} almost every month since XXXX, even when payments were made. Their own histories have shown that most of my payments have been applied primarily to finance charges, with little or nothing applied to principle. On several occasions, payments were applied as $ ) to principal and entirely to finance charges or fees. 
I have already sent ALLY multiple written dispute letters requesting a reconciliation of my account, correction of improper late fees and clarification of balance errors. Ally has not provided a satisfactory explanation or corrected the reporting. 
As a result my credit reports show that I have made only XXXX  % of payments on time, with XXXX day late marks that do not accurately reflect my payment activity. This inaccurate reporting has damaged my credit and prevented me from refinancing or resolving the loan. 
Requested Resolution : 1. Provide full reconciliation of all payments since XX/XX/XXXX, showing principal, interest and fees.

2. Remove or reverse late fees that were improperly assessed ( Including during the covid pandemic ) 3. Correct Credit Bureau reporting to reflect accurate payment history and balances 4. Reevaluate the payoff balance in light of excessive finance charges and misapplied payments 5. Refund ALL interest and finance charges tied to added services ( I did not ask for and was given the impression I needed to have them like Gap insurance and other add ons that were not used in the duration of the loan ) ( I have since requested a cancellation of the products and refund however they will only refund a percentage )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX refused to provide me with information to file my dispute with a merchant in writing. They repeatedly lied during our phone conversation on XX/XX/XXXX in the early morning. The merchant intentionally tampered with my orders and then intentionally mistreated me as part of an illegal experiment that has harmed so many Targeted Individuals across the country. The purpose of misleading me about contacting them regarding the dispute was to further harm and annoy through the use of fake customer service agents working with the researchers in which the merchants conspire with these researchers for additional profit from exploiting the most tortured individuals in the history of the United States and victimized in almost every aspect of their lives by these criminals. The fact is XXXX  XXXX clearly violated FTC laws by refusing to allow me to dispute charges in WRITING They PROFIT from forcing victims to engage in lengthy phone calls designed to annoy and harm them. Please take prompt actions and sanction XXXX XXXX for their violation of the FTC act giving consumers the right to dispute in WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-25 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

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 2025-08-25 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: GA

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inaccurate personal information and inquiries reported on my Equifax, Experian, TransUnion credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, Equifax, Experian, TransUnion is obligated to ensure the accuracy of all information in my credit file and to block unverifiable or inaccurate information.The following inquiries do not belong to me and appear to be the result of mixed file or mistaken identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Additionally, the following addresses are not mine : XXXX XXXXXXXX XXXX  XXXX GA XXXX. These inquiries and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inaccurate personal information and inquiries reported on my Equifax, Experian, TransUnion credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, Equifax, Experian, TransUnion is obligated to ensure the accuracy of all information in my credit file and to block unverifiable or inaccurate information.The following inquiries do not belong to me and appear to be the result of mixed file or mistaken identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Additionally, the following addresses are not mine : XXXX XXXXXXXX XXXX  XXXX GA XXXX. These inquiries and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting.

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 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
Collection Agency : SOUTHWEST CREDIT SYSTEMS, Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$860.00} Amount : {$860.00} Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$860.00} 2. Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX. Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I have reviewed my credit report and discovered late payment notations on two accounts that do not accurately reflect my payment history. Specifically : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX I dispute the accuracy of these late payment reports. On both accounts, I was not delinquent or late on any payments during the time indicated. The reporting of these late payments is incorrect and could be a result of an error or delay in processing. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of any disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
I am writing to formally dispute and request an investigation into the inaccurate reporting of the following account on my credit file : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$650.00} Reason for Dispute : This account is being reported inaccurately. My TransUnion report shows payment history and account details that do not match my actual records. Specifically, there are late payment entries reported that are incorrect, and there are inconsistencies between the high credit and balance amounts compared to what is reported with other credit bureaus. I have maintained my account in good standing, and these inaccuracies are misleading and harmful to my credit profile.

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