vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurate and harmful credit reporting. 



In XX/XX/XXXX, I financed a vehicle through XXXX. In XXXX, the vehicle was involved in a total-loss accident. At the time, I had full coverage insurance through XXXX and XXXX XXXX  coverage. XXXX promptly issued their payment toward the loan, and my Gap insurance provider took months to release their payment and ultimately did not cover the full balance. 



Despite this, XXXX has reported XXXX late payments on my credit file and has charged off the account with a balance of {$4200.00}. The attached credit report shows XXXX marking me late month after month, even while the insurance claims were pending and payments were being processed. This reporting is factually inaccurate and misleading because the delays were caused by insurance processing not by any neglect or refusal to pay on my part.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers of information are required to report accurate information. Reporting 29 late payments in this situation is inaccurate and harmful. I also have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute and demand reinvestigation of this account.

This false reporting has severely damaged my credit profile, leaving me unable to obtain approval for basic credit needs. I am requesting the immediate deletion of the 29 late payments and correction of this account to reflect accurate payment status, as I maintained full insurance and Gap coverage. 



I have attached : My credit reports showing the repeated late payments and charge-off, Documentation from XXXX regarding their payout, Documentation showing XXXX  insurances delayed and partial payment, Accident/total loss paperwork. 




I request that XXXX correct this reporting immediately and that the credit bureaus ( XXXX, Equifax, XXXX  ) update their files to remove these inaccurate late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurate and harmful credit reporting. 



In XX/XX/XXXX, I financed a vehicle through XXXX. In XXXX, the vehicle was involved in a total-loss accident. At the time, I had full coverage insurance through XXXX and XXXX XXXX  coverage. XXXX promptly issued their payment toward the loan, and my XXXX  XXXX  provider took months to release their payment and ultimately did not cover the full balance. 



Despite this, XXXX has reported XXXX late payments on my credit file and has charged off the account with a balance of {$4200.00}. The attached credit report shows XXXX marking me late month after month, even while the insurance claims were pending and payments were being processed. This reporting is factually inaccurate and misleading because the delays were caused by insurance processing not by any neglect or refusal to pay on my part.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers of information are required to report accurate information. Reporting 29 late payments in this situation is inaccurate and harmful. I also have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute and demand reinvestigation of this account.

This false reporting has severely damaged my credit profile, leaving me unable to obtain approval for basic credit needs. I am requesting the immediate deletion of the XXXX late payments and correction of this account to reflect accurate payment status, as I maintained full insurance and Gap coverage. 



I have attached : My credit reports showing the repeated late payments and charge-off, Documentation from XXXX regarding their payout, Documentation showing Gap insurances delayed and partial payment, Accident/total loss paperwork. 




I request that XXXX correct this reporting immediately and that the credit bureaus ( Experian, XXXX XXXX XXXX update their files to remove these inaccurate late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-26 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$760.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result 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 2025-09-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result 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 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My servicer, Nelnet, is refusing to enroll me in or process my application for an XXXX XXXX ( XXXX ) plan, which is necessary to manage my student loan obligation during my bankruptcy. I submitted my XXXX  application on or about XX/XX/year>. 
I contacted Nelnet on XX/XX/year> to check the status of my request and was told I did not qualify for XXXX because I am in XXXX bankruptcy. 
They are also unable to provide proof my promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am formally disputing the fraudulent accounts being reported under my credit profile. I have no association with these accounts, and their inclusion is inaccurate, harmful, and misleading. The presence of these accounts is damaging my financial credibility and must be rectified without 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
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the reporting of an account that is not mine and was never authorized by me. Its presence in my credit file is fraudulent, misleading, and causing unjust harm to my creditworthiness.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This filing is to address XXXX XXXX XXXX XXXX  blatant abuse of the CFPB process. Instead of responding in good faith, they have deliberately marked my prior complaint as a duplicate to avoid accountability. 

This is not a duplicate complaint. Each submission is a direct response to their ongoing violations of the FDCPA and FCRA, which remain unresolved. Simply stamping my complaint duplicate does not absolve them of their legal obligations, it further proves their intent to stall, mislead, and obstruct. 

Violations by XXXX XXXX XXXX XXXX : XXXX. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) Despite multiple requests, they have failed to produce a signed contract, assignment, or legal proof of ownership of the alleged account. 
XXXX. Failure to Conduct Proper Reinvestigation ( FCRA 1681i ) They continue reporting unverifiable and inaccurate information to the CRAs while ignoring my disputes. 
XXXX. Failure to Report with Maximum Accuracy ( FCRA 1681e ( b ) ) They knowingly report information they can not prove, which is willful misreporting. 
XXXX. Unfair & Deceptive Practices ( FDCPA 807, 15 U.S.C. 1692e ) Labeling my complaint duplicate instead of addressing the violations is a bad faith tactic to evade compliance. 

Notice of Escalation : Attorney XXXX XXXX XXXX of XXXX XXXX XXXX is already aware of this situation and prepared to take legal action for these willful violations. Their attempt to silence and dismiss my complaint as duplicate only strengthens my case for damages. 

Security Credit Services LLC is on notice : marking complaints as duplicate does not erase your violations, it proves them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-09-26 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
there's XXXX credit cards that was placed on my credit report while I was away in the military and I didn't authorize these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX refund for XXXX from cash app was deposited into my closed cash app account my cash app account was closed in XXXX since XX/XX/XXXX I have tried to link my bank for my debit card to cash up to withdraw money however since this account is closed I'm not allowed to do so I have called them and called them and called them they do not give me any remedy even though I have the receipt for the deposit from cash app this is leaving my money that should have been deposited into my time account I do not want another cash app I do not want my money in cash app I want my money either sent to me by check or sent to my time account I demand my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-26 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: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX  ) for inaccurate reporting of my VA mortgage. 

My XX/XX/year> loan statement from XXXX XXXX  shows a current balance of {$320000.00}, but XXXX, XXXX, and TransUnion are all reporting my balance as around {$340000.00}. This {$18000.00} discrepancy is inaccurate and harmful. In addition, my loan was in forbearance and later modified under the XXXX XXXX, but XXXX XXXX  has failed to report the required XXXX XXXX coding. The account is being reported as a standard mortgage with no indication of accommodation, which is a violation of FCRA and XXXX XXXX rules. 

As a result, my credit reports are flagging real estate balances too high compared to loan amounts. This has led to denials of credit, loan offers with APRs over 25 %, and blocked access to {$68000.00} {$110000.00} in home equity. I am asking the CFPB to require XXXX XXXX  to correct the balance, apply the proper CARES Act/Metro XXXX XXXX, and provide confirmation that the account is being reported accurately across all credit bureaus. 
XXXX XXXX XXXX correction of my mortgage tradeline across XXXX, XXXX, and TransUnion to reflect : Accurate balance : {$320000.00} as of XX/XX/year>. 

Proper CARES XXXX / XXXX XXXX coding for loan modification and forbearance. 

Removal of the negative scoring factor real estate balances too high compared to loan amounts. 

Written confirmation from XXXX XXXX  that my account has been corrected and reported accurately. 

Any additional relief the CFPB deems appropriate, including monitoring for systemic violations.

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