vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
This dispute is for the unlawful reinsertion of previously removed information on my credit report and items that the bureaus illegally said theyre verified.

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 2025-10-21 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: MI

Complaint narrative:
This dispute is for the unlawful reinsertion of previously removed information on my credit report and items that the bureaus illegally said theyre verified.

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 2025-10-21 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XX/XX/year> 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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
My car loan payment is XXXX a month with FLAGSHIP CREDIT ACCEPTANCE. I pay over that amount, I pay XXXX monthly and have asked for the additional {$100.00} be applied towards my principle. For a whole year now, they have been applying my payment where they want to apply it.... totally disregarding my request! My next payment is not due until XX/XX/XXXX. I called on yesterday XX/XX/XXXX to make a {$500.00} payment towards the principle only! I went online today to check the status and saw that they applied {$460.00} towards the interest and only {$38.00} towards the principle. I called again on today XX/XX/XXXX and was told that I would have to wait and call back in XXXX business days to have the money applied towards the principle. They also stated that when I make payments that I would have to call them every single time to advise that I would like the extra {$100.00} applied towards the principle and even after I call it would take XXXX business days for those funds to be applied towards the principle. After threatening to call a lawyer I was told that they would apply the {$500.00} that I paid on XX/XX/XXXX towards my principle.

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 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I made a purchase of {$280.00} under pretense that I was purchasing XXXX concert tickets for XXXX XXXX. I sent the money and was told I was all set. I would receive my tickets the day of the concert. I spoke with this person up until the concert and never received my tickets. I contacted cashapp to report this and to dispute the charge. Their only resolution is that I request the person send me the money back or send them messages to beg them for it back. Which is totally unacceptable being that this is considered a banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Two accounts are appearing on my credit report in my name that I never opened, authorized, or managed. I have no knowledge of these accounts and did not provide consent for them to be reported under my identity. Their presence is misleading and damaging to my credit history, and I take this matter very seriously. I need a clear explanation of why these accounts are listed and who reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX Account # XXXX Dear Credit Bureau, I am disputing the reporting of XXXX XXXX, account # XXXX, on my credit file. 

Disputed Errors : Account shows contradictory closure status while still reporting negative activity. 

Balance reporting is inconsistent and misleading. 

Payment history contains inaccuracies.

Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : I have the right to obtain original signed documentation.

FCRA 611 : Obligation to reinvestigate disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX Account # XXXX Dear Credit Bureau, I am disputing the reporting of XXXX XXXX, account # XXXX, on my credit file. 

Disputed Errors : Account shows contradictory closure status while still reporting negative activity. 

Balance reporting is inconsistent and misleading. 

Payment history contains inaccuracies.

Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : I have the right to obtain original signed documentation.

FCRA 611 : Obligation to reinvestigate disputed information.

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 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTOMOTIVE CREDIT CORPORATION
State: PR

Complaint narrative:
I am writing to follow up on a previously submitted dispute regarding a fraudulent account listed under my credit report. The investigation concluded that the account was indeed the result of identity theft and not authorized by me. 

However, despite this resolution, the account remains active on my credit file and continues to negatively impact my credit score. I respectfully request that you take immediate action to remove this account from all credit reporting systems and confirm its deletion in writing. 

Please treat this matter with urgency, as the continued presence of this account is causing financial harm and misrepresenting my creditworthiness. 

Thank you for your prompt attention. 

Sincerely,

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 2025-10-21 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-21 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: WI

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX  ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
All major third-party consumer reporting agenciesXXXX XXXXXXXX, XXXX, and XXXX frozen on my consumer file. Therefore, XXXX Equifax, and XXXX no longer have a lawful permissible purpose or verifiable data source to continue reporting any disputed or closed tradelines, including those furnished by XXXX XXXX Bank. 

Because these accounts are closed, duplicate, and unverifiable, I request permanent deletion of all XXXX XXXX Bank tradelines and written documentation of the verification method, source, and furnisher contact used during reinvestigation. 

If the bureaus or furnisher can not provide evidence of verification obtained through a lawful data source, they are required under FCRA 611 ( a ) to delete the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of multiple late payments on my credit file. According to TransUnion 's records, several payments are listed as late ; however, these accounts were paid on time. This information is false and has negatively affected my credit score and overall 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have some depts on my credit that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXX 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 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 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 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:
I am submitting this formal complaint against several credit furnishers and reporting agencies for serious violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related federal guidelines. My credit report contains multiple inaccurate, unverifiable, and misleading entries that are damaging my credit profile and financial reputation. Despite my repeated efforts to dispute these accounts with the credit bureaus, the errors have not been properly investigated or corrected. 

Below are the specific inaccuracies identified on my credit report : Incorrect Personal Information ( Wrong Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect address These addresses are not, and have never been, associated with me. Their continued presence on my credit file represents a failure of proper identity verification and data accuracy standards required under FCRA 607 ( b ).

Erroneous Account Information ( Charge-Offs and Reporting Errors ) 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 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 | Reported as Charge-Off These accounts are being reported inaccurately and/or without proper verification. I have not received any original documentation proving the validity, ownership, or accuracy of these accounts. Continuing to report unverified charge-off accounts violates FCRA 611 ( a ) ( 5 ), which requires data furnishers to delete or correct unverified information within 30 days of a dispute. 

Unverified and Questionable Hard Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. These entries indicate possible unauthorized access or identity misuse. Under FCRA XXXX ( a ) ( XXXX ), no entity is permitted to obtain my consumer report without my explicit consent or a permissible purpose. 

Requested Actions I respectfully request the CFPB to take the following actions : Initiate an immediate investigation into these inaccurate and unverified items. 

Require the credit bureaus ( Experian, Equifax, and TransUnion ) to provide verification documentation or remove the disputed data. 

Ensure all unauthorized inquiries are permanently deleted from my credit reports. 

Hold the furnishers accountable for failing to comply with FCRA accuracy and verification requirements. 

I am enclosing copies of my identification and proof of current address for verification purposes. I expect a full and timely response as outlined under FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MS

Complaint narrative:
I have sent multiple letters to XXXX Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-10-21 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: CO

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against [ Insert Bureau Name ] for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/2025, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/2025, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation