vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A bankruptcy is reporting on my credit file that I did not file. I never signed any court documents, never submitted a bankruptcy petition, and never received any notices from the court. 

I disputed this with the credit bureau and requested : the original petition with my signature direct verification from the courthouse documentation proving I filed this case The bureau was unable to provide any documents directly from the court. Bankruptcy courts do not furnish information to credit reporting agencies, meaning the bureau is reporting unverifiable third-party information.

Under FCRA 611, unverifiable public records must be deleted. I am requesting CFPB assistance to remove this inaccurate bankruptcy from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted written disputes, personal information corrections, and full reconstruction requests to all three credit bureaus. They have not corrected the issues and are still reporting : Illegally re-aged charge-offs Sold accounts still showing charge-off status Incomplete or missing payment histories Impossible delinquency dates Unauthorized hard inquiries Accounts tied to incorrect identity data Balances that can not be verified Multiple FCRA 611 ( a ) violation failures Failure to complete investigations properly Failure to provide method of verification Failure to honor 609 ( a ) requests Refusal to delete unverifiable information I am requesting federal intervention because the bureaus and furnishers are continuing to violate federal law.

I attached : Three ( 3 ) bureau dispute letters Five ( 5 ) furnisher dispute letters A legal violation summary A reconstruction demand for each bureau

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 2025-11-15 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: NY

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIOM OF XXXX XXXX AND FRAUDULENT XXXX XXXXXXXX XXXX ACCOUNT OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-11-15 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: NY

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIOM OF XXXX XXXX AND FRAUDULENT XXXX XXXXXXXX XXXX ACCOUNT OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
Received multiple consecutive calls claiming to be from Structured settlement for an old XXXX XXXX  but called from a different caller ID name number each time. Last time called and threatened that if I didn't settle when he called back at XXXX was turning over to attorney which he had previously got personal about what property would be seized of mine and " XXXX XXXX '' got very personal and aggressive even when I was agreeing to pay. He never called back at least not between XXXX and XXXX as I was XXXX  to get call to ask for written agreement via email first as I have never had such an unprofessional money gangster like call in my life. Very scary. Stalker like. I called XXXX  they sent me email verifying structured is who has my debt and they could not accept my payment. This structure guy accepted one verbal payment agreement then said no he wouldn't take that amount. Told me he " hopes I don't pay so he can....... '' Talked very detrogatory to me even after I explained to him that I am actively trying to take care of my old debts and he stayed as he was getting threatening and personal that he could see that he was looking at that. Not certain this was legitimate call. Told him I was at work and could lose my job. Calls continues

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 2025-11-15 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: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit file by XXXX XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX which has resulted in multiple erroneous late payment entries : a 30-day late in XX/XX/year> reported on TransUnion, and both 30-day and 60-day late entries reported on Equifax, despite my account balance being {$0.00} and all payments having been made on time. These inaccuracies have negatively affected my creditworthiness, and I am disputing them under the Fair Credit Reporting Act, including 1666 ( Correction of Billing Errors ), 611 ( Dispute Inaccurate Info with Credit Bureaus ), and 623 ( a ) ( 2 ) and 623 ( b ) ( Duty to Correct, Update, and Investigate Disputed Information ). XXXX XXXX XXXX  appears to have failed in its duty to investigate and correct reporting errors, and the credit bureaus have not updated my file to accurately reflect my payment history. This misreporting is causing ongoing financial harm and XXXX, and I request the CFPBs assistance to ensure that the inaccurate late payment information is fully investigated and corrected across all credit reporting agencies.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 15 USC 1681.

15 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 a 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 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 15 USC 1681.

15 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 a 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 if 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The balance is cleared, but the report still shows late payments.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The balance is cleared, but the report still shows late payments.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The balance is cleared, but the report still shows late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a transaction appeared on my XXXX account for a purchase on XXXX. Shortly afterward, XXXX notified me that the transaction had been declined on their end. Despite this, XXXX placed the transaction into an active payment plan in my account. 

XXXX listed the order as Payment Revision Needed and confirmed that they could not process the order because the payment method failed. The merchant has not charged me and can not fulfill or cancel the order due to the failed payment. 

I contacted XXXX multiple times for clarity. I received conflicting and unclear information about why a declined transaction was still assigned a payment schedule. XXXX has not corrected the issue and has not removed the payment plan related to the declined transaction. 

As a result, I am being shown an active repayment obligation for a transaction that was not completed, not processed by the merchant, and not supported by valid payment. XXXX has not resolved this error or provided a clear explanation for why this obligation remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Open an account with XXXX  a long time ago Want to transfer money from my XXXX  account to my wife 's XXXX  account System will not allow me to add money to my account.Or send money to my wife 's account Explained the problem to XXXX  support staff Getting nothing but excuses that the system is overloaded. 
If we can't do the basic transfer we need to close the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
In XX/XX/year>, I contacted Nissan Motor Acceptance Company ( NMAC ) to request a payment deferral due to hardship. A representative confirmed that my XXXX and XXXX payments would be deferred to the end of my lease and that I could resume payments in XXXX. I never received a contract to sign. I called in XXXX to pay and was told my account was 60 days delinquent and at risk of repossession. Ive since submitted the contract, but I was told that no call recordings could be provided and I could not access the notes of calls despite them confirming that their own notes reflect the deferral was supposed to happen. I am requesting that my account be corrected and all derogatory credit marks removed. I also request access to my communication history as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am writing to formally dispute the reporting of the account on my credit report. I am a verified victim of identity theft, which has resulted in the fraudulent opening and reporting of this account. This dispute is being submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent information from a consumer 's credit report within four business days of receiving appropriate documentation.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Experian, Equifax, and TransUnion are reporting inconsistent, inaccurate, and unverifiable information regarding the same XXXX XXXX XXXX  account, which is harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Experian reports the account as XXXX XXXX XXXX XXXXXXXX with a {$520.00} balance, opened XX/XX/XXXX, listing a last payment date of XX/XX/XXXX, and shows late payments of 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX ; Equifax reports the same account as XXXX XXXX XXXXXXXX, also with a {$520.00} balance and the same opening date, but lists the last payment as XX/XX/XXXX, while still showing the same late-payment pattern that contradicts my records ; and TransUnion reports it as XXXX XXXX XXXXXXXX with the same balance, same opening date, and a last payment date matching Experian at XX/XX/XXXX, again with the same flawed late entries. These inaccuracies across all three bureaus violate FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, as well as FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to provide accurate, complete, and updated information. Additionally, these inconsistent late-payment dates contradict my actual payment history and are being reported in a manner that is misleading, unverifiable, and damaging. I attempted to resolve these issues directly with the bureaus through formal disputes, but the incorrect and conflicting information remains, demonstrating a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) and a failure by the furnisher to properly investigate under FCRA 623 ( b ). Because the same account is being reported under different names, different last-payment dates, and incorrect late-payment dates across all three credit reports, it is clear that the reporting is unreliable and the information can not be properly validated.

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 2025-11-15 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: Global Lending Services LLC
State: TX

Complaint narrative:
Both Global Lending Services ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ) are reporting information on my credit reports that is inaccurate, inconsistent, and unsupported across all three major credit bureaus ( XXXX, XXXX, and XXXX  ). I previously disputed both accounts and requested verification, including any documentation used to confirm the accuracy of the reporting. Both companies marked the accounts as verified, but neither provided any documents or information to support that decision. 

For both lenders, I was never sent the required pre-sale or post-sale notices relating to the repossession of the vehicle. Because I never received a Notice of Intent to Sell or a Post-Sale Explanation, I have no way to confirm how the balances were calculated, what the vehicle sold for, or whether the reported amounts are accurate. 

Despite the repossessions and charge-offs occurring years ago, all three credit bureaus are now showing update dates and past-due amounts from 2025, which creates the appearance of recent delinquency that did not occur. These recent update dates do not match the actual account history, and the inconsistencies appear across every bureau. 

Neither company provided : Sale date Sale price Method of sale Any auction documentation Itemized fees Any deficiency calculation Copies of any notices Any documents explaining how the balance was determined The information being furnished continues to appear inaccurate and unverified, and the results of the investigation were not based on any documents provided to me. This is affecting my credit standing and my ability to qualify for an FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I purchased a XXXX vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and financed it through Credit Acceptance Corporation. My signed contract ( {$5000.00} ) does not match the financing documents ( {$13000.00} ), and total payments required are higher than disclosed. I traded in my XXXX XXXX, but the dealership never provided documentation regarding its value or how it was applied to the XXXX vehicles price. Both the dealership and financing company refuse to accept the return of the vehicle or pause payments while the issues are disputed. They also blame each other and have not provided transparent documentation or solutions.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am unable to open a XXXX account because someone is using my information on a fraudulent account. XXXX is treating me like I am the criminal and allowing someone to commit fraud.

Company response to consumer: Closed with explanation