vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
I am submitting this formal complaint to the CFPB against the inaccurate and unverified information being reported and maintained by the credit reporting agencies and furnishers. These errors have caused substantial harm to my credit reputation, standing, and access to financial opportunities. The listed address, account, and inquiry below are reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation, deletion of the false information, and confirmation in writing once the inaccuracies are corrected. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * This account shows a late payment that is completely inaccurate and unverifiable. I have never been late on this account, and the creditor failed to provide any documentation or billing statements proving delinquency. Reporting such data violates FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ) as it fails to maintain accuracy and fairness. The alleged late payment has harmed my credit reputation, which directly conflicts with FCRA 602 ( A ) ( 1 ) stating that inaccurate information should not cause consumer hardship. Since the account reflects a {$0.00} balance, it should not show negative payment history. The continued presence of this inaccuracy without evidence shows willful noncompliance under FCRA 616 and 617.

These continuous violations reflect the lack of compliance by the data furnishers and the credit reporting agencies in following proper procedures to ensure data accuracy, fairness, and transparency as required by federal law. I am demanding that the CFPB take enforcement action to ensure compliance with FCRA 602, 604, 607, 611, and 623, and FDCPA 807, and compel the deletion of all inaccurate and unauthorized information from my credit profile. I also request written proof of the corrections made by the bureaus and furnishers after reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year> I purchased a used car from XXXX XXXX XXXX, XXXX located in XXXX, Utah. I needed financing to help pay for the vehicle, so I went to America First Credit Union, located at XXXX XXXX XXXX XXXX XXXX, Utah. I met with one of their loan officers and I got a {$8000.00} loan to finance the vehicle. During this I was asked if I would like to purchase insurance for the vehicle, in case if it breaks down. I was sold a " Member Care Driver Protection Plan '' for {$3800.00} which was added to my loan, now totaling {$11000.00}. This insurance we purchased was the " Enhanced Plan '' which covered our vehicle for 3 years or XXXX miles. Under this plan, Transmission replacement was one of the things covered. 

A little less than one week after signing the contract, the vehicles transmission failed. We were within our contract limits of the " 3 years or XXXX Miles '' When I filed a claim under the Member Care Driver Protection plan, the insurance administrator informed me that vehicles with rebuilt titles are ineligible for any coverage under the plan, and that the policy should not have been sold for this vehicle in the first place. 

Because American First Credit Union sold me this coverage as part of my financing agreementdespite the vehicles rebuilt title being disclosedthe bank made a material misrepresentation and entered into a contractual obligation it could not fulfill. This constitutes : 1. Breach of contract, as the promised coverage was never valid ; 2. Negligent misrepresentation, for selling a product ineligible for the insured asset ; and 3. A potential unfair or deceptive trade practice, under applicable state consumer protection laws. 

As a result, I have suffered direct financial harm totaling {$6600.00} in transmission repair costs, in addition to any amounts paid for the invalid protection plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Dear Sir/Madam, I am disputing the following account ( s ) with Experian. I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF CHILD SUPPORT ENFORCEMENT, XXXX, XX/XX/XXXX, {$0.00} CHILD SUPPORT ENFORCEMENT, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$72.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} INQUIRIES XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as my final notice to Experian regarding your continued reporting of a false bankruptcy on my credit file. I have repeatedly provided clear documentation proving this bankruptcy does not belong to me, including verified statements from the data furnisher confirming no bankruptcy is associated with my personal information. 

Despite these submissions and the fact that XXXX  and XXXX  have already removed this inaccurate entry, Experian continues to willfully report false information in violation of the Fair Credit Reporting Act ( FCRA ) specifically, Sections 1681e ( b ) and 1681i, which require accurate reporting and prompt correction or deletion of disputed information. 

It has now been over 30 days since my initial dispute, far exceeding the legal timeframe for a completed reinvestigation. Your continued failure to remove this inaccurate bankruptcy constitutes negligence and willful noncompliance under federal law. 

If this matter is not corrected within 7 business days of receipt of this notice, I will have no choice but to pursue all available legal remedies, including filing a formal complaint with the CFPB, contacting my state attorney general, and initiating civil action for damages under the FCRA. 

Please consider this your final opportunity to correct the matter before legal proceedings begin. I demand written confirmation that the bankruptcy entry has been permanently deleted from my Experian credit report.

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 2025-11-05 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:
This is now my XXXX  formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-11-05 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:
It twists the truth about my financial priorities.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I filed a dispute with PayPal for a transaction on XX/XX/year>, for {$160.00} ( XXXX XXXX XXXX XXXX The item was never received. The merchants tracking data shows it was ordered, shipped, and delivered all on the same day, which is impossible. 

PayPal has repeatedly denied my case without providing proof of delivery, the delivery address, or any evidence that the package was actually received. A PayPal representative reopened the case and promised a final, thorough review, but the decision was repeated without any new investigation. 

PayPal also withheld funds I received from a XXXX settlement and used them to offset this disputed balance, without authorization. 

Im requesting that PayPal provide documentation of the delivery they claim occurred and return the settlement funds they withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-05 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 am extremely distressed that the inaccurate accounts remain on my credit report even though I expected them to be gone by now. I am pleading that the documents I attached be checked thoroughly so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've filed a complaint with cfpb previously on LVNV funding and they were removed by all 3 bureaus. Another appeared again on my XXXX  report but you all flagged it as a duplicate complaint in XX/XX/year> which it was not a duplicate. I've advised that i have no knowledge of this debt. It appears this debt has been written off and whomever and according to 15 USC 1592 this company should not have any of my information. They have violated my rights. They are also reporting jnaccurate information. I would like a debt validation showing that they own this debt and any signed documents that i have signed with LVNV stating that i accepted a contract with them showing my wet signature. Here i am asking you to have this permanently deleted from my report as i advised previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-05 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 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:
I am filing this complaint because my consumer report contains false, inaccurate, and unverifiable information that is severely damaging my credit profile and violating my consumer protection rights under federal law. I have consistently requested fair investigation and correction, but the credit bureaus and furnisher have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am now seeking the Consumer Financial Protection Bureaus intervention to ensure these violations are corrected immediately. 

ACCOUNTS XXXX XXXX XXXX  # XXXXXXXX XXXX Balance : {$16000.00} Opened : XX/XX/year> Charge Off This account remains unverified and inaccurate. No original contract, proof of ownership, or account validation has been provided. Reporting an alleged debt without proof violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). The inconsistent balance reporting shows unreliable data. I demand deletion for failure to validate under FCRA 611 ( a ). 

XXXX XXXX # XXXXXXXX XXXX Balance : {$3000.00} Opened : XX/XX/year> Charge Off This charge-off has never been properly validated. Equifax has failed to produce signed documentation or verified proof. Reporting unverifiable data violates FCRA 607 ( b ), 609 ( a ) ( 1 ) ( A ), and 611 ( a ). Inconsistent information and missing documentation prove lack of accuracy. I request immediate deletion for repeated noncompliance.

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations. The reporting entities have ignored my previous disputes and continue to report false, incomplete, and unverifiable data. I demand immediate deletion of the false address and the inaccurate XXXX XXXX XXXX charge-off account, as they are both violating my rights under federal law. Continued reporting of inaccurate data after dispute is a knowing and willful act of non-compliance. I am requesting confirmation of all actions taken to resolve these violations and restore the accuracy of my credit report in accordance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I never recieved a notification from this company about this acocunt. This is not my account and im asking for it to be removed from my report XXXX XXXX ACCT # 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-05 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: CA

Complaint narrative:
Hello, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

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 2025-11-05 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: CA

Complaint narrative:
Hello, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation