vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I dispute the late payment entries reported on my credit report for accounts XXXX ( ending XXXX ) and XXXX XXXX ( ending XXXX ). I believe these accounts belong to someone else due to a similar name or identity confusion. The XXXX account shows late payments during my valid XXXX accommodation plan, which are inaccurate and have already been removed from my Equifax report XXXX The XXXX XXXX account shows late payments from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX with a 60-day late in XX/XX/XXXX, but these late payments are not reported on my Equifax report XXXX According to the CARES Act Section 4021 and FCRA 1681e ( b ), these delinquencies should not be reported since I complied with the modified terms.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marauder Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report that is factually inaccurate, misleading, and in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

According to a letter I received from the original creditor, XXXX XXXX XXXX, they sold the account to XXXX on XX/XX/scrub> 2022. However, the tradeline currently being reported by XXXX : Appears to duplicate or continue negative information that predates their ownership Contains inconsistent dates, balances, and/or charge-off reporting Does not meet the standards of accuracy, legality, or completeness required by federal law XXXX  is currently violating the following FCRA provisions : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or incomplete information 15 U.S.C. 1681s2 ( a ) ( 2 ) Prohibits continued reporting once the furnisher is no longer the rightful owner 15 U.S.C. 1681e ( b ) Requires credit reporting agencies and furnishers to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Requires proper investigation and correction of disputed information Section 607 ( b ) Prohibits reporting information that is misleading or incomplete in any way XXXX did not acquire this account until late XX/XX/scrub>XXXX  2022 and is not legally authorized to report any prior activity or duplicate negative status entries. Their current reporting is incomplete, misleading, and causing substantial damage to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-08-04 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: PA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and found incorrect information that doesn't belong to me. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX Employers : XXXX XXXX  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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX The account was paid in full XX/XX/year>, but it shows up as a closed account. I've reached out to the credit bureau on multiple occasions and nothing was done

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 2025-08-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian AXXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ( Hard Inquiries on credit Under 15 U.S.C . 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-04 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX Date : 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 explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
These requests showed up unannounced and may not be officially cleared. Look into the documentation right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Date Range : XX/XX/XXXX- XX/XX/XXXX Issue : XXXX  charged off vehicle lease for {$17000.00} but can not provide adequate documentation to verify debt accuracy. 

What Happened : In XX/XX/XXXX, I entered into a vehicle lease agreement. Due to medical condition ( XXXX preventing driving ) and job loss, I experienced financial hardship and contacted creditor multiple times seeking payment arrangements. XXXX  refused all proposals and demanded full payment only. 

Documentation Problems : - Lease agreement contains completely illegible page ( page 26 ) making terms unverifiable - When I requested payment history, creditor provided only an unofficial spreadsheet with no company letterhead or authentication - Representative stated " this is all they have '' when questioned about inadequate records - Never received formal lease termination notice despite charge-off Credit Reporting Issues : - XXXX  reported only 58 % on-time payments without proper supporting documentation - Charge-off amount of {$17000.00} appears to represent nearly entire lease obligation - Payment history shows inconsistent patterns that don't align with standard lease structures XXXX  Avoidance : XX/XX/XXXX : Made two separate attempts to speak with supervisor about documentation issues. First call at XXXX XXXX  - placed on hold 15+ minutes then disconnected. Second call at XXXX XXXX  - placed on hold 20+ minutes then disconnected again. This contrasts with immediate responses when I was previously cooperative about 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 2025-08-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have requested the removal of said accounts due to the fact they have been sold to third party agencies without my written or verbal permission. I have reached out to these companies only to be ignored. They have hindered me from obtaining basic credit due to their inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Dear CFPB, SEQUIUM ASSET SOLUTIONS/ XXXX  XXXX  ; I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, an unauthorized transaction of XXXX was charged to my cash app account from a website called XXXX. I did not have any money in my cash app account, so the money was taken from my linked bank account which is XXXX XXXX. I have provided Cash App with over XXXX documents to prove that I did not authorize this transaction. I have submitted XXXX documents about the XXXX order information of items purchased ( a cellphone and a XXXX ) and the order number that can not be tracked. I have provided information on my XXXX account where all previous orders were erased. I have given them information that I am in contact with XXXX 's fraud department. I have included XXXX documents from CASH APP showing my transaction history with purchases from XXXX. The documents show that several times my XXXX transactions were declined in the past because I did not have enough cash available on my cash app account and they never withdrew money from my linked account which was XXXXXXXX XXXX For this specific transaction I don't understand how this withdrew money from my XXXX XXXX account instead of declining the transaction like they previously did. In addition, I have never even made a purchase from XXXX above XXXX dollars. I have provided a document showing that I just previous got a new phone in XXXX, so I would not be purchasing another phone less than a month later. I have also sent XXXX documents showing my XXXX account where I can see mail and packages coming to my house, there are no packages in site. With all of this information provided to Cash app my claim was still denied because the payment was initiated by a device in my possession.

Company response to consumer: Closed with explanation