vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX falsely reporting payments on account in order to fraudulently renew statute of limitations. 
Account Number : XXXX ( as collected from all three credit bureau XXXX XXXX XXXX XXXX XXXX XXXX : Equifax Credit Report as provided by XXXX XXXX XXXX XXXX XXXX of disputed information : Falsified payments Credit report date : XX/XX/XXXX Explanation of item being disputed : XXXX is falsely reporting multiple payments in order to fraudulently renew the debt and fraudulently extend the statute of limitation. No payments have been made on the account since XX/XX/XXXX. 
o Last Payment Date is reported by XXXX as XX/XX/XXXX. This is false and fraudulent reporting. The correct Last Payment Date is XX/XX/XXXX. Any difference needs proof provided by XXXX with cancelled checks. 
o Comments : dispute investigation completed is a false statement. I disputed each and every charge resulting from stolen credit card information and used without my knowledge or authorization. XXXX refused to conduct the disputes on individual charges. The balance is the result of credit card fraud plus late fees and interest as I refused to pay for unauthorized charges. 
o Multiple times in the past, I have provided a copy of a notarized FTC Identity Theft Affidavit as well as a police report. These documents were disregarded and ignored by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: FL

Complaint narrative:
I need this account removed XXXX XXXX has already removed it I need Equifax to remove itIts a violation in the consumer law and the consumer law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: AL

Complaint narrative:
I asked for information on how they got my information. I asked for a copy of the contract that I signed releasing my information to a 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company caused hard inquiry on XXXX  credit file on XX/XX/year>

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I booked a hotel online. When I arrive to the city, the hotel did not exist. On XX/XX/XXXX, XXXX got the hotel through XXXX. On XX/XX/year> the hotel acknowledge that I deserved a refund. I was told the funds would be given to me in 7 to 14 days. 

On XX/XX/year>, I filed a dispute with CASHAPP to apply the {$200.00} into my account. I provided emails provided by the hotel. My dispute was denied. No money was added at that time. CASHAPP and it was denied and finalized on XX/XX/XXXX. 2025. 
On XX/XX/year> {$200.00} amount was temporarily added. On XX/XX/year>, denied expected refund. XXXX XXXX the temporary credit was withdrawn the amount of {$200.00}. The money was withdrawn after the review was complete. I have called and gotten the run around. When I mentioned this website did someone finally email me. There information does not look the same as mine. Dates and deposits withdrawal are not consistent. I have plenty of evidence. But one says it all very simply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN

Complaint narrative:
The company has been charging me daily interest rates. Loan was for XXXX. I've had the loan for 3 years now at XXXX a month. That is XXXX worth of interest and my loan balance is still at XXXX. I've put a link below to the company. 
Automotive Credit Corporation XXXX XXXX XXXXXXXX

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 2025-06-28 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: Experian Information Solutions 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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Product : Credit reporting Issue : Incorrect information on credit report Company : Synerprise Consulting Services What happened? 
I discovered a derogatory tradeline reported by Synerprise Consulting Services to XXXX  with a balance of about {$560.00} under account number XXXX XXXX XXXX XXXX XXXX  reported around XXXX. 

I do not recognize this debt and have never been notified or contacted by Synerprise about itno written notice, no validation letter, no communication whatsoever. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2 ( a ) ( 7 ), I should have been notified before or within 30 days after the negative information was reported. Also, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ) requires a written debt validation notice within 5 days of first contact. 

Since I never received any communication or validation, I am disputing the validity of this debt and request its immediate removal until Synerprise provides proper verification and follows the law. 

What I want done about it : Immediate removal of this tradeline from my XXXX  credit report Written confirmation that the account will not be re-reported without valid proof Compliance with all notification and validation requirements under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
Hi I found XXXX unauthorized fraudulent inquiries on my credit report one XXXX XXXX XXXX XXXX XX/XX/XXXX second XX/XX/XXXX tired XXXXPlease help me to remove those unauthorized from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
I am filing this complaint to report TransUnions ongoing and willful refusal to comply with federal law concerning the suppression and removal of fraudulent accounts and inquiries resulting from my identity theft and XXXX XXXX victimization. 

On XX/XX/year>, I formally submitted a self-attestation under Section 605C of the FCRA ( 15 U.S.C. 1681c-3 ) and an official letter from a federally authorized anti-trafficking agency, verifying my eligibility for suppression of adverse information. I sent this documentation via certified mail and uploaded it through TransUnions online portal.

As well as numerous unauthorized inquiries.

Despite full documentation and compliance with all federal requirements, TransUnion has refused to remove these accounts and went so far as to tell me they " could not help me. '' I have not received confirmation, nor can I access my credit report or the TransUnion portal to monitor or manage my disputes. This is a blatant obstruction of my rights. 

TransUnion is violating multiple federal statutes : FCRA 1681c-3 / Section 605C : Right to suppression for human trafficking victims 12 C.F.R. 1022.142 : Requires blocking adverse credit info with qualifying documentation FCRA 1681i ( a ) ( 1 ) ( A ) : Obligation to reinvestigate disputed information FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681g : Failure to provide me access to my full file ( denial of access to credit report ) I have followed every legal protocol, provided an identity theft affidavit, ID, SSN, FTC complaint, and documentation from a federal advocate. There is no legal justification for TransUnions inaction.

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 2025-06-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX RE : Request for Investigation under Section 609 of the FCRA To Whom It May Concern, I am writing to formally request, under Section 609 of the Fair Credit Reporting Act, full disclosure and verification of the following account ( s ) that appear on my credit report. I request that you provide me with a copy of any signed contracts or legal documents bearing my signature that you used to verify the following account ( s ) : 1. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Paid, Closed Reason : Related to identity theft I did not authorize or open this account. 


2. Creditor : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Account charged off. {$140.00} written off. {$120.00} past due as of XX/XX/XXXX. 


Reason : Related to identity theft I did not authorize or open this account. 

3. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Paid, Closed Reason : Related to identity theft I did not authorize or open this account 4. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : open Reason : Related to identity theft I did not authorize or open this account If you are unable to verify this information with valid documentation, I respectfully request that the inaccurate items be * * removed * * from my credit report. 

I have included the following documents for identity verification : - A copy of my government-issued ID - A recent utility bill for address verification - A copy of my Social Security card Please respond to this request within 30 days as required by federal law. 

This account is a result of identity theft, and I have never opened nor authorized any account with XXXX XXXX. I disputed this information with the credit bureaus and the furnisher ( XXXX XXXX ), and while the credit bureaus updated the record with a note of my dispute, the account still remains on my report as charged off, Paid, Closed and open. 

I notified XXXX XXXX, requesting deletion of the fraudulent tradeline under FCRA Section 605B. INACCURATE FULL NAME AND ADDRESS Remove the fraudulent account from all credit reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of ID - Copy of utility bill - Copy of SSN verification

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year>, Portfolio Recovery Associates opened a collection. 
Account # XXXX XXXX  $ that I owe I Have never signed any written document saying that I owe this debt to the collecctor. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts has fraudulent charges these loan are fraudulent resulting in identity theft and improper use of contracts, loan terms and agreements. This notice is to inform you that you unlawfully reported fraudulent accounts that you did not properly verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
These accounts has fraudulent charges these loan are fraudulent resulting in identity theft and improper use of contracts, loan terms and agreements. This notice is to inform you that you unlawfully reported fraudulent accounts that you did not properly verify.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I talked to the lawyers of the account and they have been settled and it is reporting to my credit report that we still owe {$8300.00} which is not true because it's been settled with the lawyers and not only that it's showing delete what payments when we came to an arrangement that they would have been removed from the payment cleared which cleared last week

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I entered the branch to make a withdrawal. I presented my driver 's license and my ATM card. I asked for a withdrawal of {$4700.00}. The money was to come out of my business account to cover payroll for the week. The teller- XXXX XXXX- looked up my account and then smirked. He said he couldn't help me and that the account didn't have the money. I pulled out my cell and on my bank app it clearly showed an excess of {$4700.00} in my account. I told him I could use the ATM but the limit is {$1000.00}. He said well maybe it works, maybe it doesn't. I XXXX to the ATM and pull out the money. I return to the teller and show him my receipt showing the money pulled and the available. Still says he can't help me. I ask the teller next to him - XXXX XXXX - and she shrugs says she can't do anything either and proceeds to laugh with XXXX. I flip out asking for a manager and they tell me that there is no manager. After a few minutes, a manager appears and asks me what's going on. I tell her that they won't give me my funds and she proceeds to scold them and tell them to cut it out and give me my funds. WHY DO ALL OF THIS?! THE EMBARRASSMENT AND THE WASTE OF TIME.

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 2025-06-28 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: FL

Complaint narrative:
The company Sequium Asset stated I have an account with them for the amount of {$700.00} which I have no knowledge of. I have no relationship with this company I requested a contracted sign by me and debt validation from this company and wasn't provided with this information. This company has violated both federal laws under the Fair Debt Collection Practices Act as well as Florida statues chapter 559. Reporting of inaccurate information to credit bureaus is a violation of 15 U.S. code 1681s-2. Failing to provide proper written notice of debt as required by law is a violation of Florida Statute 559.72. Please remove this information from my credit report immediately or legal actions will be taken thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, which provides protections for identity theft victims.Upon review of my credit file, I identified this Truist account that I did not authorize, open, or recognize. This account appears to have been created and reported without my consent, and they are causing considerable harm to my creditworthiness. I enclosed my FTC report and my identification documents as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Global Lending Services LLC
State: AR

Complaint narrative:
I previously disputed an account with Global Lending Services that was reporting as an involuntary repossession. The remark and status were removed after my dispute. However, on XX/XX/XXXX, Equifax reinserted the involuntary repossession status without providing me written notice within 5 business days, which is required under FCRA 611 ( a ) ( 5 ) ( B ). This account is also showing as open with a balance, even though the vehicle was repossessed and the contract should be closed.

I currently have a fraud alert on my credit reports with all three bureaus. This alert has been active since XX/XX/XXXX. During this time, no information should have been added or reinserted without verifying my identity first. No one contacted me. 

This account should be deleted entirely, or fully verified with documentation of ownership, contract, and legal reinsertion procedures. This account is harming my credit and was reported during an active fraud alert period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
You should have received a full description of the event occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  has violated my rights.

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

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have no idea why my account is closed? I hardly ever use this app and never really used it and now its closed for no reason. I tried contacting customer support but it seems they dont care. They have no evidence of any wrong doing and my account is closed

Company response to consumer: Closed with explanation