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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I SENT LETTERS TO ALL THREE BUREAUS AND THEY LEGALLY DID NOT RESPOND. 
* * * * * * * * * * * * * * * * * * * * * * * * AFTER NOTICING THAT ALL LETTERS WERE IN FACT DELIVERED FROM MY TRACKING #, I WENT AHEAD AND CALLED EACH BUREAU AND SPOKE TO A REPRESENTATIVE TO CONFIRM THAT MY LETTERS WERE RECEIVED, PROCESSED, AND IN FACT COMING FROM ME. 

EACH REPRESENTATIVE CONFIRMED ARRIVAL, GAVE ME A FILE / PROCESS # 'S ( IN WHICH I CAN PROVIDE SUCH FILE AND OR PROCESS NUMBERS IF NEED BE ), AND SPECIFIED THAT THESE ACCOUNTS WERE UP FOR DELETION BUT HAVE NOT REMOVED THEM FROM MY REPORT. 

CAN YOU PLEASE BLOCK AND REMOVE THIS FROM MY REPORT IMMEDIATELY. 
I AM PART OF THE XXXX DUTY AND I HAVE KINDLY BEEN TRYING TO WORK WITH ALL THREE BUREAUS NOW FOR QUITE SOME TIME. I AM LIMITED WITH TIME AS WHOLE, AND I'D GREATLY APPRECIATE IT IF THIS CAN BE BLOCKED AND REMOVED SWIFTLY THANK YOU

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the furnisher XXXX  and the credit bureaus are reporting false, inconsistent, and contradictory information regarding an alleged collection account I do not recognize or validate. 

The reporting contains multiple FCRA violations, including : 1. Impossible and Contradictory Dates The account shows : Date Opened : XX/XX/year> & XX/XX/year> Date Last Active : XX/XX/year> & XX/XX/year> These dates reflect activity in the future, which is impossible and demonstrates that the furnisher is not maintaining accurate records as required under 15 U.S.C. 1681e ( b ).

2. The Bureaus Are Reporting Different Information TransUnion : Account information disputed by consumer, meets FCRA requirements.

Experian : Customer disputed account reported by subscriber.

Equifax : No reporting at all, meaning the furnisher is not reporting the same data across bureaus, violating the Metro-2 standard of uniformity and FCRA 623 ( a ) ( 1 ) ( duty to report accurate information ).

3. No Proof This Account Belongs to Me There is : No contract No validation No evidence of ownership No signed agreement No proof the debt exists or is legally collectible A furnisher must investigate fully under FCRA 623 ( a ) ( 8 ) and provide supporting documentation. They have not done so.

4. Status Codes Are Contradictory The account is listed as : Collection/Charge-off Derogatory Disputed Yet no supporting evidence, billing history, or validation exists. Reporting a charge-off while simultaneously reporting open derogatory status is data fabrication and violates FCRA 1681s-2 ( b ) ( duty of proper investigation ).

5. No Last Payment and No Monthly Payment A legitimate collection account must show : Original balance Payment history Last payment date Date of first delinquency This account shows none of the required fields.

This violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) because incomplete and unverifiable data is being furnished. 



WHY THIS MUST BE CORRECTED The data is : Inaccurate Unverifiable Incomplete Not consistent between bureaus Not capable of being validated Reported with impossible future dates This reporting has caused damage to my credit profile and is preventing me from obtaining fair credit opportunities, violating the Equal Credit Opportunity Act and FCRA 602 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app XXXX XXXX XXXX and now. The people at " Cash app '' tink thry are in charge and they don't know it's me. I have had my bank account for years and with my divorce. People think they have access. I have my information and thank you. I am going to a attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Bought a XXXX XX/XX/XXXX, told to finance briefly to earn {$2000.00}. Did that. Paid off vehicle at XXXX XXXX ( XXXX  ) XXXX XXXX has been hounding me all XXXX for thousands ; last bill dated XX/XX/XXXX was for {$33000.00}

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number ( SSN ) : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information consists of the following Accounts : XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  XXXX : Account number : XXXX Date opened : XX/XX/XXXX ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collectionsappearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hardinquiries appearing on my consumer credit report maintained by you were not opened, made, orinitiated by me. All of the aforementioned accounts, collections, and hard inquiries are the resultof identity theft and fraud. To support my claim I have attached a copy of FTC Identity TheftCriminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are theresult of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing several charged-off accounts that TransUnion is reporting inaccurately. These accounts are XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

TransUnion is reporting inconsistent dates, incorrect payment histories, and conflicting statuses that do not match the original creditors reporting or my other bureaus. 

Examples of errors : XXXX XXXX : High credit, dates opened, and last reported dates do not match Experian/Equifax . 

XXXX : TransUnion reports Collection/Charge-off while Experian reports Paid. 

XXXX : Incorrect high balance and inconsistent data between bureaus. 

Upstart : TransUnion reports Collection/Charge-off, but balance and terms differ from Equifax. 

Under FCRA 1681i, TransUnion must ensure accuracy and can not report conflicting or unverifiable data. 

I am requesting removal of these accounts from my TransUnion file because the data being reported is inaccurate, inconsistent, and not verifiable across bureaus.

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I discovered XXXX fraudulent debit card transactions on my Truist account totaling {$220.00}. I reported these unauthorized charges through Truists online dispute system on XX/XX/year>, and a new debit card was issued to me as part of the process. 

On XX/XX/year>, Truist closed my dispute not in my favor, despite the charges being unauthorized and despite the fact that I reported them promptly. Truist did not request additional information from me, did not provide the merchant evidence used to make their decision, and did not give a clear explanation of why the claim was denied. 

Under Regulation E ( 12 CFR 1005 ), the bank is required to conduct a reasonable investigation, provide the evidence relied upon, and credit the consumer for unauthorized transactions unless they can prove authorization. None of this occurred in my case. 

I am requesting that Truist re-open the dispute, provide all merchant documentation they relied on, and conduct a proper investigation into these fraudulent charges.

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 2025-11-16 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:
Victim of Data Security Breaches XXXX XXXXXXXX Data Breach XXXX Experian XXXX Breach XXXXXXXX XXXX XXXXXXXX The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations if not removed adequately. 

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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/year> email stating I opened account I did not XX/XX/year> notice of email change on the above listed account XX/XX/year> email asking to add funds to account XX/XX/year> email reminder to add funds or account will close XX/XX/year> email stating account closed due to not depositing funds XX/XX/year> spoke with us bank fraud dept via phone they locked account. 

Letters received in mail week of XX/XX/XXXX notice of opening account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint because XXXX or more collection agencies are reporting fraudulent and inaccurate collection accounts on my credit reports. These accounts do not belong to me, and I never authorized, opened, or entered into any agreement with these collectors.

These collectors are violating multiple federal laws : FDCPA Violations 15 USC 1692e False, deceptive, or misleading representation 15 USC 1692e ( 2 ) Misrepresenting the character or legal status of a debt 15 USC 1692e ( 8 ) Communicating false information to credit bureaus 15 USC 1692g Failure to validate debts upon request The collectors are knowingly reporting incorrect information and have failed to validate the accounts even after being notified that the debts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint because XXXX or more collection agencies are reporting fraudulent and inaccurate collection accounts on my credit reports. These accounts do not belong to me, and I never authorized, opened, or entered into any agreement with these collectors.

These collectors are violating multiple federal laws : FDCPA Violations 15 USC 1692e False, deceptive, or misleading representation 15 USC 1692e ( 2 ) Misrepresenting the character or legal status of a debt 15 USC 1692e ( 8 ) Communicating false information to credit bureaus 15 USC 1692g Failure to validate debts upon request The collectors are knowingly reporting incorrect information and have failed to validate the accounts even after being notified that the debts are not mine.

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: IL

Complaint narrative:
I am writing to report that I am a victim of identity theft and to request the immediate blocking and removal of the fraudulent collection account appearing on my Experian credit report. The unauthorized account is listed as : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$900.00} Date Opened : XX/XX/year> Status : Collection account. {$900.00} past due as of XX/XX/year>. 
I did not open this account, authorize it, nor do I have any relationship with the creditor for this obligation. This account resulted from identity theft and should not be associated with me.

Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that Experian, transunion, equifax : Block and remove the fraudulent account from my credit file, Notify the other credit bureaus of this identity-theftrelated information, and Provide me with written confirmation once the account is removed.

Enclosed are the documents required under FCRA 605B, including :
A copy of my government-issued ID Proof of address A copy of my Identity Theft Report ( police report or FTC report ) Please complete this investigation and block the account within the legally required timeframe.

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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get this accounts removed immediately 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 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 2025-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get this accounts removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I am submitting this complaint because there is inaccurate, incomplete, and/or fraudulent information being reported about me by one or more consumer reporting agencies and/or furnishers. I have attempted to resolve this matter directly with the credit bureaus and the furnisher ( s ), but the information remains uncorrected.

The information in question is not accurate, not verifiable, and/or is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681s-2, and 1681c-2, I am requesting that the Consumer Financial Protection Bureau assist in ensuring the information is properly investigated and corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for improperly assigning, transferring, or selling a non-credit insurance billing balance to a third-party debt collector ( Credit Collection Services , CCS ) XXXX and for allowing a collector to pursue an amount that is not a legally enforceable debt under the FDCPA, FCRA, or Texas Finance Code. 

XXXX claims I owe {$310.00} for an insurance premium on a prior auto policy. This is a billing matter, not a credit account, loan, or extension of credit. Insurance premiums are not debts under the FDCPA unless they arise from a credit transaction, which this one did not. I never signed any credit agreement, promissory note, or contract permitting XXXX to assign or sell a billing balance to a third-party collector. 

Despite this, XXXX transferred this alleged billing balance to Credit Collection Services ( CCS ), which began pursuing me for payment as if this were a legally collectible debt. This is improper and misleading. Insurance billing is not legally assignable to a debt collector unless there is a court judgment or a credit contract allowing assignment. XXXX had neither. 

XXXX also failed to provide any documentation validating the alleged amount. They did not provide an itemized billing statement, contract, pre-assignment notice, policy ledger, or proof that the balance is accurate or due. Instead, they allowed CCS to begin collection activities without verifying the legitimacy of the alleged amount. 

This violates : FDCPA 807 misrepresenting the character, amount, or legal status of a debt FDCPA 808 attempting to collect an amount not permitted by law FDCPA 809 failing to provide verification before collection FCRA 623 ( a ) ( 1 ) furnishing inaccurate or unverified information FCRA 623 ( a ) ( 3 ) failure to mark the debt as disputed CFPB Regulation F continuing collection during an active dispute Texas Finance Code 392.202 & 392.304 misrepresenting a consumer debt and failing to validate Insurance premiums do not fall under traditional assignment rules for debt collection. AllstatXXXX never notified me of any legal right to assign the alleged balance. There is no evidence XXXX had legal authority to transfer this alleged premium balance to CCS or any collector. As a result, the alleged debt is not legally collectible, and the assignment itself is improper. 

I am requesting CFPB assistance because XXXX has created a misleading and harmful situation by treating a non-credit insurance premium as a collectible debt and instructing or permitting a third-party collector to pursue me for payment without proper validation or legal authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation