vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and conflicting information reported by XXXX across all three major credit bureausExperian, Equifax, and TransUnionwhich have caused significant damage to my credit profile and financial reputation. Specifically, Experian reports account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2100.00}, last activity on XX/XX/year>, and late payments of 90, 120, and 150 days ; Equifax reports account XXXX with the same balance but last activity of XX/XX/year> and only 90 and 120-day lates ; and TransUnion reports account XXXX with last activity of XX/XX/year> and 90 and 120-day late marks. Similarly, Experian reports XXXX at {$1500.00} with last activity XX/XX/year> and 90, 120, 150-day late payments ; Equifax XXXX at the same balance, last activity XX/XX/year> with 90 and 120-day lates ; and TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with last activity XX/XX/year> and 90 and 120-day late marks. Accounts with balances of {$7000.00}, {$3800.00}, {$2100.00}, and {$3800.00} follow the same conflicting pattern, with each bureau reporting different last activity dates and late payments for the same underlying account, making it impossible to determine accurate payment history. These inconsistencies, combined with EDFinancial reporting multiple late payments that can not be verified, violate the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ), 15 U.S.C. 1666a ) and have unfairly harmed my creditworthiness, as the conflicting information portrays me as chronically late when in reality the accounts are either misdated or inaccurately reported. Despite my prior disputes to the bureaus, these errors remain uncorrected, leaving me with a distorted, misleading, and damaging credit history that does not reflect my actual financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and conflicting information reported by XXXX across all three major credit bureausExperian, Equifax, and TransUnionwhich have caused significant damage to my credit profile and financial reputation. Specifically, Experian reports account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2100.00}, last activity on XX/XX/year>, and late payments of 90, 120, and 150 days ; Equifax reports account XXXX with the same balance but last activity of XX/XX/year> and only 90 and 120-day lates ; and TransUnion reports account XXXX with last activity of XX/XX/year> and 90 and 120-day late marks. Similarly, Experian reports XXXX at {$1500.00} with last activity XX/XX/year> and 90, 120, 150-day late payments ; Equifax XXXX at the same balance, last activity XX/XX/year> with 90 and 120-day lates ; and TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with last activity XX/XX/year> and 90 and 120-day late marks. Accounts with balances of {$7000.00}, {$3800.00}, {$2100.00}, and {$3800.00} follow the same conflicting pattern, with each bureau reporting different last activity dates and late payments for the same underlying account, making it impossible to determine accurate payment history. These inconsistencies, combined with EDFinancial reporting multiple late payments that can not be verified, violate the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ), 15 U.S.C. 1666a ) and have unfairly harmed my creditworthiness, as the conflicting information portrays me as chronically late when in reality the accounts are either misdated or inaccurately reported. Despite my prior disputes to the bureaus, these errors remain uncorrected, leaving me with a distorted, misleading, and damaging credit history that does not reflect my actual financial responsibility.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-11-20 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: IL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never opened, authorized, or managed any of them. This raises a serious concern of identity theft, as these accounts do not belong to me and are falsely being linked to my credit profile. This is completely unacceptable and presents inaccurate, misleading, and damaging information about my financial history. I take my credit very seriously, and seeing these unauthorized accounts has caused me significant XXXX  and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding an unresolved dispute with InComm involving an unauthorized {$75.00} charge that occurred on XX/XX/year> aXXXX XXXX XXXX XXXX. I did not make or authorize this transaction. 

I contacted InComm and opened DISPUTE_CASE_XXXX, but the matter has not been resolved. Despite notifying the company promptly and requesting reimbursement, they have not returned the funds or provided a satisfactory response. 

I am requesting the CFPBs assistance in directing InComm to immediately refund the unauthorized {$75.00} charge. I want the refund issued by check and mailed to my address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX This unauthorized charge has caused me financial inconvenience, and InComm has failed to provide a timely or appropriate resolution. I am asking for the CFPBs intervention to ensure compliance with consumer protection laws and secure the refund I am owed.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
The following items appearing on my consumer report are factually inaccurate, unauthorized, and must be deleted immediately pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( duty to reinvestigate ), and 1681b ( f ) ( prohibition on obtaining/using a consumer report without permissible purpose ). First, the following addresses are incorrect and must be removed as they do not belong to me : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX Reporting false identifying information is a direct violation of FCRA 609 and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX Balance : {$3800.00} - Date Opened : 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Company : Santander Consumer USA Issue : Auto Loan / Credit Misrepresentation, Unauthorized Contract Submission, and Failure to Provide Accurate Loan Information I am filing a complaint regarding a vehicle purchase at XXXX XXXX XXXX XXXX ( Louisiana ) where the dealership misrepresented financing terms and falsely associated my contract with Santander Consumer USA. 

On [ XX/XX/year> ], I purchased a used vehicle and was verbally quoted {$310.00} bi-weekly as my payment. After an extremely long day at the dealership, I was rushed through electronic signing, and the contract was sealed in an envelope without being reviewed with me. When I later checked, the actual payment amount was {$440.00} bi-weekly, which I never agreed to or was shown before signing. 

Within minutes of leaving the dealership, the vehicle had a check engine light, and the dealership took the car back to their service department with no updates and no returned calls. 

When I called Santander Consumer USA on XX/XX/year> I was told : No application is in their system No loan exists under my name No contract was submitted No funding was processed They can not assist because the dealership has not forwarded any financing documents This means the dealer misrepresented : My loan approval The payment terms The financing source The status of my loan This created serious confusion, financial harm, and XXXX. I have attempted to resolve this with the dealership, but they refuse to provide the General Managers contact information and are not responding to my cancellation notice.

I am requesting the CFPB to : 1. Document this misrepresentation by the dealership 2. Ensure Santander does not allow any fraudulent or unauthorized contract to be submitted 3. Prevent the dealership from attempting to push financing through without my consent 4. Protect me from any negative credit reporting related to this incomplete and deceptive transaction I am attaching/pasting my cancellation letter and timeline to fully document the situation.

I am requesting CFPB assistance in preventing any unauthorized loan creation and holding the dealership accountable for financing misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was on XXXX scrolling to buy some stuff and stumbled upon a user who was selling a bundle of video games for a great deal which the deal at the time was XXXX XXXX We exchanged a few conversations and he told me to pay him in cashapp and sent me a link so i can pay. I clicked the link so I can see the user name and would pay him later. Within 5 minutes they went into my account and stole all the money in my cashapp balance which at the time was XXXX XXXX I have screenshots stating why was XXXX $ taken out and he admitted guilt and made fun of me saying he will be taking more if I ever send any money as he now has access to my account. I've been since then forced to change phones, emails, and other personal information. That balance was not linked to a bank card because at the time I took it out of the bank in cash and payed it at a store where they then gave me the amount in cahsapp balance which I was initially aside from the XXXX $ i was going to send this Person was going to be linked to my card. Cashapp has multiple times refused to help me in this matter even after providing proof, screenshots, and all the information they had asked me and im now left behind on payments over this issue. If it was XXXX $ i got scammed by this person no issue I get it back but it's XXXX plus them being able to access my account. I even showed them the link they provided and within a day they keep denying and ignoring my appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Risk Solutions continues to report inaccurate and unverifiable public-record information and personal identifiers. In their most recent CFPB response ( Case # XXXX ), LexisNexis provided contradictory explanations and admitted to using XXXX  as their only verification source. They also reinserted an address previously disputed and altered it between XXXX and XXXX, demonstrating data instability and reinsertion of unverifiable information. 
They falsely claimed the nationwide consumer reporting agencies furnished the disputed data, contradicting their own prior statements that XXXX  was the sole source. Their explanation directly conflicts with earlier letters from XXXX and XXXX. 
They also ignored multiple categories of disputed information, including incorrect phone numbers, email addresses, prior reinvestigations, and my attorneys legal demands. Their XX/XX/XXXX Description of Procedure shows they rely on generic boilerplate responses and do not conduct individualized investigations.

LexisNexis continues to violate FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 7 ), and 1681s-2 ( b ). Their repeated contradictions show willful non-compliance under 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Purchase was approved by the dealership, but it was brought to my attention that information given to the bank for the lease was false. I give the dealership my information correctly, ( income, rent, credit, etc ), but they lied to the bank about my income and rent in order to close the deal. 
The dealership was committing bank fraud, and tried to use me as a XXXX. I feel wronged and lied to by the dealership. 
And if they did this to me, its quite probabaly they are doing it to others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
MOHELA incorrectly reported three 120-day late payments on my federal student loans. My loans were in administrative COVID forbearance for several years. MOHELA never notified me that repayment was restarting, never sent a billing statement, and never informed me of a due date.

Because MOHELA failed to provide proper notice, I was unaware that payments were required. The delinquency was caused entirely by servicer error, not by failure to pay. This error caused my credit score to drop over XXXX points.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief