vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
In reviewing my credit reports, I discovered that Transunion, Experian, and Equifax is reporting a late payment for my account with XXXX  - XXXX. The report shows a payment as late on or about [ Date of alleged late payment ]. I have never been XXXX  days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 
I contacted Transunion, Experian, Equifax to dispute this late-payment entry and requested verification. The bureaus failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Transunion, XXXX, and XXXX  is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
At the time of the issue, I was listed as the Head of Household. Unfortunately, I was unaware that another individual listed on my Housing Authority record had started working. She left suddenly, moved to another state without informing me, and failed to report her employment status. Because of this, I did not know about her actions or the effect it would have on my account until it was too late.

This situation was beyond my control, and I want to emphasize that I had no intent to withhold information or misreport. Since then, I have taken steps to ensure I am fully compliant and that nothing like this will happen again.

I sincerely value the assistance I received and the opportunity to maintain stable housing. As a gesture of goodwill, I am asking that you consider removing this negative mark from my credit history. Such a correction would help me move forward in rebuilding my financial standing. 

Thank you for taking the time to review my request. I deeply appreciate your understanding and any assistance you can provide. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-24 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I DONT RECOGINED COLLECTION ON MY CREDIT REPORT i AM ASKING FOR METHOD OF VERICATION LETTER TIME, PERSON, ENTITY, AND SYSTEM USED. ALONG WITH A COPY OF ACDB RECORD I AM ASKING FOR ADDITUAL VERFICATION iWANT TO KNOW IF DEBT WAS SECURITIZED. I NEED TO KNOW WHO OWN DEBT. I ALSO NEED THE AGREEMENT AND WAS DEBIT VALIDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Kindly observe 15 U.S. Code 1681g by eliminating the disputed accounts within the designated 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with XXXX ( Account No. XXXX * * * * ). These entries show XXXX  day late payments on XXXX XXXX, XXXX, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a XXXX accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within XXXX. Reporting my account as late during a defermentXXXX XXXX suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to Transunion, Experian, and Equifax demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint concerns the improper denial of two billing disputes against a merchant who failed to provide the agreed-upon services. 

On XX/XX/year>, I made an initial payment of {$1500.00}, and a final payment of {$1500.00} was made on XX/XX/year>, for a total of {$3000.00}. This was for a complete, functional website from the merchant XXXX XXXX XXXX. The merchant failed to deliver a functional product, providing a website with critical, unresolved technical issues, such as unacceptable loading speeds and a non-functional shopping cart. Due to this failure to provide the contracted service, I formally canceled the service on XX/XX/year>. 

I opened disputes for both transactions and provided the bank with extensive documentation to support my claim. This evidence included the signed service agreement, a chronological summary of my communications with the merchant from early XXXX detailing the unresolved issues, and objective third-party performance reports. I also provided a letter explaining how the merchant 's actions violated the governing Florida Deceptive and Unfair Trade Practices Act. 

Despite this clear and overwhelming evidence, on XX/XX/year>, I received a letter stating the investigation was complete and that the " documentation or facts provided don't support the billing error/dispute ''. I believe the bank failed to properly review the evidence and has unfairly held me responsible for charges where the service was never rendered as promised in the contract.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I pre ordered pizza for a party I was having the following day for my kids. The guy I ordered from said if I paid on cash app in advance he would make sure they were on time and I would get a discount. So I sent him {$79.00} and was told I would have pizza. The following day it's time for pizza and it's not there. The guy says he's running late. But never shows up. Cash app only lets me request a refund from him and he just hasn't responded to it. I mean come on. Of course he's not gon na respond to it. Cash app has been extremely unhelpful and just seems to be ok with people doing this type of thing on there platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I realized that I had not received an email with my statement, so I tried logging in online to make my payment but was not able to log in so I called the company. I spoke with a representative on XXXX XX/XX/XXXX and explained the problem. He went through charges on my account and we discovered that there were numerous fraudulent charges. I told him the only charge I had made was for {$160.00} at XXXX XXXX. He told me that he removed the charges and closed the account and would send me a new card. The next day, I called to make the payment of {$160.00} over the phone. I received a confirmation # however after about 3 weeks, I still had not received the new card nor had the payment of {$160.00} come out of my checking account. I called again on XXXX XXXX and spoke with a representative. Explained the situation and discovered that additional fraudulent charges had been made on my original card and the new card that I never received. I was transferred to another representative who worked the case and told me that she had closed both of my cards and helped me to make the payment again of {$160.00} however that amount still has not been deducted from my checking 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
On XX/XX/year> my vehicle was repossessed without proper notice that my account was in bad standing. After placing my account on auto pay with my lender. Notice that last XXXX  months had not been received. Car was collected on XX/XX/year> at XXXX XXXX. After calling my lender they would not give me options as to retrieve my vehicle or reinstall my loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00}

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: HI

Complaint narrative:
I identified multiple hard inquiries on my credit report that I did not authorize, initiate, or provide written consent for. These inquiries were placed without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ), which clearly states that no consumer reporting agency may furnish a consumer report to any person without a permissible purpose as defined by law.

The credit reporting agencies are also in violation of FCRA 15 U.S.C. 1681e ( a ), which requires them to follow reasonable procedures to ensure that inquiries are only reported when there is a legitimate and lawful purpose. Reporting and maintaining unauthorized inquiries shows a failure of their duty under FCRA 1681i ( a ), which mandates reinvestigation and correction or deletion of inaccurate information when disputed by the consumer.

Unauthorized inquiries also violate my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), which was enacted to protect consumers from identity theft and unauthorized use of personal information. Additionally, these inquiries fall under the protections of the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I identified multiple hard inquiries on my credit report that I did not authorize, initiate, or provide written consent for. These inquiries were placed without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ), which clearly states that no consumer reporting agency may furnish a consumer report to any person without a permissible purpose as defined by law.

The credit reporting agencies are also in violation of FCRA 15 U.S.C. 1681e ( a ), which requires them to follow reasonable procedures to ensure that inquiries are only reported when there is a legitimate and lawful purpose. Reporting and maintaining unauthorized inquiries shows a failure of their duty under FCRA 1681i ( a ), which mandates reinvestigation and correction or deletion of inaccurate information when disputed by the consumer.

Unauthorized inquiries also violate my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), which was enacted to protect consumers from identity theft and unauthorized use of personal information. Additionally, these inquiries fall under the protections of the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices.

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 2025-09-24 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX, XXXX to verify {$2900.00} legal fees for lawyers who never filed any appearances in my case. I received a notice that trustee in my case is going to pay legal fees {$2900.00} to lawyers who never filed any appearance in my case but who do all legal work under direction of XXXX XXXX XXXX XXXX. Based on financials these lawyers already collected over {$250000.00} in various litigation legal fees in last XXXX years. Please provide me copies of all retainer agreements with each law firm whose lawyers are involved in my bankruptcy case and copies of these lawyers appearances. Please provide me name and direct contact information for an authorized individual employee of the owner of the obligation who has personal knowledge about hiring and authorizing these lawyers. I demand respond from the real human, not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation