vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FCRA ) .Please investigate the following accounts : XXXX XXXX XXXX XXXX Account # XXXX ) : The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. 
The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FCRA ) .Please investigate the following accounts : XXXX XXXX XXXX XXXX Account # XXXX ) : The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. 
The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. 
Thank you for your time and attention to this matter.

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 2025-11-09 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: VA

Complaint narrative:
Dear XXXX  I am writing to formally dispute the accuracy of the following information appearing on my credit report. This letter is being sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which entitles me to dispute any information I believe to be incomplete, inaccurate, or unverifiable. 
The item I am disputing is as follows : Creditor Name : XXXX Account Number : XXXX Type of Account : Credit Card Reported Status : Charge-Off Date Reported : XX/XX/year> This account is being inaccurately reported as a charge-off. I request that this entry be investigated and verified in compliance with the FCRA. If the creditor or data furnisher can not provide proper verification and documentation such as signed agreements, full account histories, and evidence supporting the accuracy of the charge-off then this item must be corrected or deleted from my credit file. 
Under FCRA 1681i, you are required to complete your reinvestigation within XXXX  days of receiving this notice and provide me with written confirmation of the results. Please also send an updated copy of my credit report reflecting any changes made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Dear XXXX, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 
On XX/XX/year> I received email notification from XXXX Credit monitoring that a Hard Inquiry from Barclays Bank of Delaware. I accessed my XXXX  account and said inquiry was on my credit report. So Barclays Bank pulled my credit report without my consent. I called XXXX  and talked to someone that handles fraud and this person was not helpful at all. 
On XX/XX/XXXXXXXX XXXX XXXX  I called Barclays Bank and talked to representative in their Security/Fraud department. I gave them my personnel information and they verified that I do not have an account or a loan or credit card application waiting to be processed. 
Please explained to me why XXXX  released my credit report without my permission or consent? Credit Reporting Agencies should be held liable for their actions. 
I am disputing this claim due to : XXXX  This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed is a copy of the letter I sent Barclays Bank as additional evidence to support my claim.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I do not own this debt, have a debt with the stated account number. I do not have a contract with debt collector or the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
I have followed the steps to report a student loan on my account that doesn't belong to me. I have given the correct information based on the loans that are mine and what's incorrect about the two that I did take out. For some reason no one from TransUnion is willing to dispute the loan. No one at the college I attended is willing to address the issue with the next entity and/or person that is capable to dispute the loan on my behalf. I've spoken with every entity involved and there is no clear guidance on how to be protected against the theft done to me. There is no reward or any sympathy on the matter. For example, I was asked to fill-out fraud paperwork from my lender and a police report was optional. However, it would help my situation more if I did get a police report. I was later informed that the paperwork wasn't the proper step to take without a police report. So, I got the police report. I submitted paperwork from my banking institute to show my evidence for my existing loans for the time/date of deposit. I have disputed this more than necessary and it just will not be deleted from my TransUnion or loan servicer credit reports. I am the one that was done unjustly but the process is been conducted slower by my attempts to try to correct the problem. It feels as though I'm being investigated/punished for something I did not do or knew anything about. Also, I get locked out of my loan services platform a lot and this is a new profile I created this year after finding out about the fraudulent loan.

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 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I settled an auto loan account with Wilshire Consumer Credit more than a year ago. As part of the settlement, Wilshires representative confirmed that the most recent associated late-payment notations would be removed from my credit reports once payment was completed. I paid the agreed settlement in full and have documentation confirming this.

Despite that, the account continues to show multiple late-payment entries with all three major credit bureaus ( XXXX XXXX  and XXXX  ) . I contacted Wilshire Consumer Credit ( Westlake Financial ) several times, including a formal goodwill/deletion request in writing, but have not received a response.

I am requesting that the CFPB ensure Wilshire Consumer Credit honors the original settlement terms by updating or deleting the inaccurate/obsolete late-payment reporting, and that they provide written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: IL

Complaint narrative:
I signed up for After Pay ( Block Inc. ) to get a XXXX XXXX from a vendor. This turned out to be a fake vendor and they never sent then product. I tried to contact After Pay to get them to stop removing money from my bank account but all I could do was chat with someone online. 
When I did that they told me that I had to contact my bank and closed my ticket. I tried over and over to get someone to call me. When they finally did they told me that the vendor was legitimate and to wait for the product to come or contact the vendor or my bank. The vendor was fake and I had no way to contact them. 
After a few more weeks I tried their chat again with the same result, a quick message to say contact my bank and they closed my ticket and kept taking money from my bank account. 

Block is still doing what they did in CashApp on their other platforms. There's no way to actually report fraud. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX ( XXXXXXXX XXXX XXXX  servicer ; acct XXXX ) furnished XX/XX/XXXX XXXX days late on XXXX linked sub-loans ( XXXX ) while a fourth sibling sub-loan ( XXXX ) under the same XXXX account shows no XXXX late. Their own records show I cured on XX/XX/XXXX ( posted XX/XX/XXXX ) and then made regular monthly payments through XX/XX/XXXX, followed by full payoff on XX/XX/XXXX. This is not an ability-to-pay issue ; autopay was not enabled until XX/XX/XXXX after a custodian/servicer transition, and I held liquid assets >10 the then-balance. 

Timeline highlights : XX/XX/XXXX XXXX XXXX  XXXX asked me to submit my bureau report. 
XX/XX/XXXX XXXX XXXX  Overnight they issued a denial labeling my dispute incomplete/invalid or goodwill. 
XX/XX/XXXX No adjustment needed form letter. 
XX/XX/XXXX XXXX mailed two packets ( Payment History, Forbearance History/Account Summary ) to my old XXXX address with RETURN SERVICE REQUESTED, despite my updated XXXX XXXX address. Those packets actually support my dispute : ( a ) ledger shows the XX/XX/XXXX cure and monthly payments thereafter ; ( b ) on-ramp/forbearance tables show AD/AE/AF covered through XX/XX/XXXX while AG only shows XXXX, explaining divergent aging and proving inconsistent furnishing inside one account. 
Multiple emails since then ask me to call a generic line ; they have not provided a records-based written reinvestigation ( no Days-Past-Due math, no method of verification, no sub-loan mapping/Metro-2 fields, no address/delivery audit ).

The bureaus now show consumer disputes after resolution, although my dispute remains active with regulators. 

Harm : score drop XXXX XXXX in one month ; insurance premiums increased ( flagged high risk ) ; existing cards restricted ; new credit/loans denied ; business financing stalled. I paid the loans in full on XX/XX/XXXX, but the severe derogatories remain. I need a proper investigation and correction, not more generic please call us responses and misaddressed mail.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX ( Dept. of Education servicer ; acct XXXX ) furnished XX/XX/XXXX XXXX days late on XXXX linked sub-loans ( AD/AE/AF ) while a fourth sibling sub-loan ( XXXX ) under the same master account shows no XXXX late. Their own records show I cured on XX/XX/XXXX ( posted XX/XX/XXXX ) and then made regular monthly payments through XX/XX/XXXX, followed by full payoff on XX/XX/XXXX. This is not an ability-to-pay issue ; autopay was not enabled until XX/XX/XXXX after a custodian/servicer transition, and I held liquid assets XXXX the then-balance. 

XXXX highlights : XX/XX/XXXX XXXX XXXX  XXXX asked me to submit my bureau report. 
XX/XX/XXXX XXXX XXXX  Overnight they issued a denial labeling my dispute incomplete/invalid or goodwill. 
XX/XX/XXXX No adjustment needed form letter. 
XX/XX/XXXX XXXX mailed XXXX packets ( Payment History, Forbearance History/Account Summary ) to my old XXXX address with RETURN SERVICE REQUESTED, despite my updated XXXX XXXX address. Those packets actually support my dispute : ( a ) ledger shows the XX/XX/XXXX cure and monthly payments thereafter ; ( b ) on-ramp/forbearance tables show AD/AE/AF covered through XX/XX/XXXX while XXXX only shows XXXX, explaining divergent aging and proving inconsistent furnishing inside XXXX account. 
Multiple emails since then ask me to call a generic line ; they have not provided a records-based written reinvestigation ( no XXXX math, no method of verification, no sub-loan XXXX fields, no address/delivery audit ). 
The bureaus now show consumer disputes after resolution, although my dispute remains active with regulators. 

Harm : score drop XXXX XXXX in XXXX month ; insurance premiums increased ( flagged high risk ) ; existing cards restricted ; new credit/loans denied ; business financing stalled. I paid the loans in full on XX/XX/XXXX, but the severe derogatories remain. I need a proper investigation and correction, not more generic please call us responses and misaddressed mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX ( XXXX. of Education servicer ; acct XXXX ) furnished XX/XX/XXXX XXXX days late on XXXX linked sub-loans ( AD/AE/AF ) while a fourth sibling sub-loan ( XXXX ) under the same XXXX account shows no XXXX late. Their own records show I cured on XX/XX/XXXX ( posted XX/XX/XXXX ) and then made regular monthly payments through XX/XX/XXXX, followed by full payoff on XX/XX/XXXX. This is not an ability-to-pay issue ; autopay was not enabled until XX/XX/XXXX after a custodian/servicer transition, and I held liquid assets XXXX the then-balance. 

XXXX highlights : XX/XX/XXXX XXXX PM XXXX asked me to submit my bureau report. 
XX/XX/XXXX XXXX XXXX Overnight they issued a denial labeling my dispute incomplete/invalid or goodwill. 
XX/XX/XXXX No adjustment needed form letter. 
XX/XX/XXXX XXXX mailed XXXX packets ( Payment History, Forbearance History/Account Summary ) to my old XXXX address with RETURN SERVICE REQUESTED, despite my updated XXXX XXXX address. Those packets actually support my dispute : ( a ) ledger shows the XX/XX/XXXX cure and monthly payments thereafter ; ( b ) on-ramp/forbearance tables show AD/AE/AF covered through XX/XX/XXXX while XXXX only shows XXXX, explaining divergent aging and proving inconsistent furnishing inside XXXX account. 
Multiple emails since then ask me to call a generic line ; they have not provided a records-based written reinvestigation ( no XXXX math, no method of verification, no sub-loan XXXX fields, no address/delivery audit ). 
The bureaus now show consumer disputes after resolution, although my dispute remains active with regulators. 

Harm : score drop XXXX XXXX in XXXX month ; insurance premiums increased ( flagged high risk ) ; existing cards restricted ; new credit/loans denied ; business financing stalled. I paid the loans in full on XX/XX/XXXX, but the severe derogatories remain. I need a proper investigation and correction, not more generic please call us responses and misaddressed mail.

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 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
My roommate and I stayed at XXXX XXXX XXXX Apartments in XXXX, CO for the entirety of our lease terms. The apartment was not up to safety standards ( no fire exits, no stairwell to or from parking garage ), parking spots were double or triple booked despite paying for them, elevators were always broken, gym equipment was broken, the pool was unusable, water would be shut off multiple times a month without warning, just to name a few problems. The management would not return our calls or emails and it was impossible to get in touch with anyone. We asked for a form upon move-in to mark down small damages in the apartment, such as paint stains on the floors and uneven cabinet doors. They never got back to us about this or provided us with this form. 

After moving out, we received a bill for almost {$600.00}, alleging damages in the apartment, cleaning fees ( that weren't in the lease + we had a cleaner come before we moved out ), broken lease, and several other things that are provided in the documents I will attach. Every single fee was incorrect, we were provided no proof of any damage that they claimed, and they failed to return our SEVERAL calls and emails asking to discuss or dispute these charges. The one * AUTOMATED * email that we received said to reply with our complaint ( even though we had sent it many times ), and when we DID reply, we received an error message. Over a year after we moved out, we received a claim on our credit cards and both our credit scores plummeted. We both filed disputes on the claims, but nothing was fixed. We have exhausted our efforts trying to fix these charges, and respectfully we refuse to pay after the apartment caused us so many extreme issues while living there. The apartment is an absolute scam and has already robbed us of thousands of dollars and lied to us about living conditions there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I discovered a collection account on my credit report that I do not recognize. I never received any written notice from the company informing me of my right to dispute the debt within 30 days, as required under 15 U.S.C. 1692g ( a ). I did not receive any communication, validation, or itemization of the debt prior to its appearance on my credit report. I formally dispute the validity of this debt and request full verification. The company has not responded to my debt validation request.

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 2025-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX hard inquiries were added to my credit report on XX/XX/2025 from XXXX XXXX XXXX  XXXX. and Capital One. I did not apply for credit with either company, and I did not authorize these inquiries. I checked my records to confirm that no applications were submitted by me on or around that date. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a credit report may only be accessed with a permissible purpose. No permissible purpose existed for these inquiries, so they are inaccurate and unauthorized. 

I have not yet contacted the credit bureaus directly, but I am filing this complaint because these inquiries were made without my consent and I want them removed from my credit reports. I am requesting that the companies involved and the credit bureaus investigate these unauthorized inquiries and delete them since they were not initiated or approved by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: MI

Complaint narrative:
I am requesting the removal of any inaccurate information and negative entries from my credit reports. If any items are verified as accurate, I kindly ask that you provide documentation supporting their validation.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief