vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
This response is not adequate and does not resolve my complaint. First, I am disputing this account because it is not mine, and I have no record of ever owing a debt to the original creditor referenced. CBE Group did not provide any documentation proving that I am the correct consumer, nor did they supply any validation showing that the debt belongs to me. 

This is now my second attempt to resolve this issue. I previously disputed this account, yet CBE Group still did not provide the required validation or proof of ownership. Instead of supplying documentation, they only stated that they forwarded a request to their client and ceased collection activity. Ceasing collection does not confirm that the debt is mine, nor does it correct inaccurate credit reporting. 

I specifically requested : Proof that I am the correct consumer associated with this debt Original creditor documentation A full chain of assignment or transfer Itemized billing statements Validation showing how the alleged balance was calculated None of this information was provided. CBE Group also claims they did not receive any prior dispute or validation request, even though this is my second attempt and I have already filed disputes. This raises concerns about how they are handling disputes and whether they are properly reviewing consumer claims. 

Their response does not address : The fact that this account does not belong to me The lack of documentation validating the debt Any inaccuracies being reported to the credit bureaus The failure to provide evidence before continuing to report the account For these reasons, I do not consider their response complete or satisfactory. I am requesting further review because CBE Group still has not provided proof that this account is valid or that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
Subject : Dispute of Charged-Off Accounts, Inquiries, and Late Payments I am writing to dispute the following accounts on my credit report : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} Inquiries XXXX 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 XXXX XXXX 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 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my XXXX  formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing a complaint against American Credit Acceptance ( XXXX  ) and XXXX in XXXX, CA for predatory auto lending practices, failure to underwrite the loan responsibly, and unfair treatment during financial hardship. As a member of a XXXX class disproportionately targeted for predatory loans, I believe discriminatory impact influenced the XXXX and loan terms, raising XXXX  concerns. 

In XX/XX/year>, XXXX sold me a used vehicle with XXXX miles that turned out to be mechanically defective. The transmission failed XXXX separate times, creating major financial hardship and thousands in out-of-pocket repair costs. This clearly indicates the vehicle was not merchantable at the time of sale. 

XXXX and XXXX  pushed through a loan at an extremely high 28 % XXXX, even though the dealership knew I did not have a valid drivers license and did not financially qualify. This violates responsible lending standards. I believe my risk profile was inflated or misrepresented by the dealership in order to force approval. 

Throughout the life of the loan, XXXX repeatedly refused to offer hardship relief, or any form of assistance even though I was facing a breakdown of the vehicle, medical issues, grievance and financial hardship. When I asked for validation of the loan and relief options, I was transferred multiple times between settlement, customer service, and XXXX escalation with no meaningful help. 

I have paid faithfully since 2019 and still owe over {$8000.00} on a vehicle that is no longer drivable due to ongoing transmission failures. This has caused severe financial harm and credit damage. The loan appears predatory, discriminatory, and misrepresented at the point of sale. 

I am requesting the CFPB investigate XXXX  lending practices, their relationship with XXXX, their refusal to provide hardship assistance, and the possibility of discriminatory or unfair lending practices. 

I also request loan forgiveness, balance reduction, and the removal of negative credit reporting associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CITIBANK, N.A.
State: CO

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint regarding inaccurate information reporting on my credit file. I share the same first and last name as my father, and it appears that multiple accounts belonging to my father have been incorrectly reported under my credit profile. 

I have never opened, authorized, or been associated with these accounts. These items do not belong to me and are the result of a mixed file due to name similarity. The inaccurate reporting is negatively affecting my credit score, my ability to obtain financing, and is causing unnecessary hardship. 

I have attempted to resolve this issue directly with the credit bureaus and furnishers, and I have provided documentation proving my identity and showing that these accounts do not belong to me. Despite this, the inaccurate reporting continues. 

I am requesting that the CFPB review this situation and require the credit bureaus and furnishers to properly investigate and permanently remove all accounts, inquiries, and information that do not belong to me. 

Thank you for your time 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 explanation
Consumer complaint received 2025-11-21 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 writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-21 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
XXXX XXXX XXXX  is reporting inaccurate credit information for my account ending in XXXX. The credit bureaus she the following status for this account : Charged Off, {$940.00} Written off, {$940.00} past due as of XX/XX/year>. This is incorrect and misleading. Once tan account is charged off, it can not continue to report a past-due amount. The past-due field must be {$0.00} after charge-off according to XXXX XXXX Credit Reporting Standards. Reporting both charged-off and past-due violates FCRA 607 ( b ) -duty to report accurate information, FCRA 623 ( a ) ( 1 ) ( A ) -p prohibitions on furnishing inaccurate information, XXXX XXXX guidelines, which XXXX  XXXX is required to follow as a furnisher. I am requesting that XXXX XXXX XXXX  Correct the reporting by removing the past-due balance ( setting it to {$0.00} ) or Delete the account entirely if they can not verify accurate reporting. I am also requesting aa written response detailing their verification process under the FCRA 623.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed on cashapp, I sent ALL the information and their representatives acknowledged it was fraud yet they denied my dispute 3 seperate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WI

Complaint narrative:
I am writing to formally dispute a fraudulent account opened with XXXX XXXX / XXXX in my name. This account was opened without my knowledge or consent while I was incarcerated, and I did not authorize or participate in any application, transaction, or agreement with this creditor.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am entitled to request the blocking of any information resulting from identity theft.

Additionally, under 15 U.S.C. 1681i, I have the right to demand investigation and correction of disputed information on my credit report.Because this account was opened fraudulently and while I was incarcerated, I request that XXXX XXXX / BrightWay : Immediately block and close the account to prevent any further activity. 

Remove all records of this account from my credit report and internal records. 

Cease all collection attempts related to this account. 

Provide written confirmation that this fraudulent account has been blocked and removed. 

I am a victim of identity theft. Any attempt to collect, report, or enforce this account is invalid and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX is blocked i have spoken to the bank and they say theres not a block but XXXX  is telling me its through the bank

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 2025-11-21 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I disputed this account because the information being reported by Capital One is not accurate. I requested verification of the account details, including balance, payment history, and reporting dates. Capital One did not provide the required documentation or validation. The inaccurate reporting continues to harm my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
It has come to my attention that the credit bureau are supplying some information on my consumer profile that are not accurate which violated the fair credit reporting law, I will implore the parties involved to kindly remove this unauthorized data from my consumer report as soon as possible to strengthen the fairness and stand of the bureaus itself.FCRA violation is not acceptable in any manner, kindly remove the following data affected. 

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I have no connection to these accounts ; they must be taken off within 15 days in line with USC 1681g.

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 2025-11-21 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I was living with my boyfriend family and when we left from living with them I realized I couldnt find my social security card and my driver license and some how they found my stuff and put 3 apartments in my name around the time of XXXX one of my previous apartments XXXX XXXX told me that I was living on another XXXX of their properties and am I aware and show my ID so I went to show MY ID and showed them my ID they told me that a lady was coming up there pretending to be me and had a tattoo on neck and I dont have a tattoo on my neck so I dont know how they let someone that didnt look like me even allow them to continue with the apartment and I cant even think the name of the other one I believe its Water something I contacted legal aid and did my police report and I just need these apartments I did signed to to come off my credit they let these people force my signature and every one writing is different so I know how I sign! And definitely wasnt my hand written

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-21 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I was enticed to rollover my IRA by SOFI using a company called " Capitalize ''. Per SOFI they would manage my rollover but they LITERALLY did nothing. I had to do all the work AND I had to notify them of what I had done. Then when it was done they used the USPS to send me an envelope which got lost and now I am losing tens of thousands of dollars a day on the market because I cant get my money redeposited and they have XXXX ways to reach them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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