vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
I discovered an account appearing under the name STELLANTIS on my credit report that I do not recognize. I have not received any written communication, billing statements, validation notice, or documentation proving that this debt is legitimate or that I owe any outstanding balance to this company. I have attempted to obtain clarification directly from the creditor but have not received the required verification as defined under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Reporting a debt to the credit bureaus without first validating it is improper and is causing inaccurate and potentially harmful information to appear on my credit file.

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I am writing to file a complaint against Acima and third party company that alledgy has my debt regarding their abusive and harassing debt collection practices. This company has not only contacted me directly, but has also reached out to several members of my family. They claim they are suing me, but have failed to provide any further information such as dates, case details, or a point of contact I can speak with. 

I did speak with someone from the company previously, and they instructed me to make a payment of {$100.00} to stop the calls. However, even after making this payment, the calls have continued unabated. This has caused a great deal of XXXX  and XXXX  for both myself and my family, as the company refuses to provide any written documentation or emails with details about the alleged debt. 

The original creditor in this matter was Acima. The company that has acquired this alleged debt now has access to my full Social Security number, as well as personal information about my family members. This is extremely concerning and a violation of our privacy. 

I demand that Acima 's third party debt collector cease all contact with myself and my family immediately. They must also provide full written documentation about the alleged debt, including the original creditor, dates, amounts, and any legal proceedings. If this company continues to harass us, I will have no choice but to pursue further legal action. 

Please address this issue as soon as possible. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
I have requested for a settlement letter multiple times. I tried calling and talking to a live agent and also sent emails and they keep telling me that they will email this request. It has been a month total since my first request/payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I'm trying to apply for a new mortgage to buy a new house. I saw my credit score and it didn't look right. I looked and sure enough it says I had a delinquency. I requested to go into forbearance and at the end of it I applied for an extension and or requested other help because I was getting the money to pay that off. I talked with multiple people and they said that my credit and going into foreclosure was protected while I was under forbearance and also when I applied for an extension they said I was protected while I wait for approval. I kept them updated about my situation constantly. They did give me a deadline and I paid them in full before the deadline and I asked them if it affected me in anyway and they told me no because I paid it in full. 

I went into forbearance XX/XX/XXXX. 
Ending of forbearance XX/XX/XXXX. 
Applied for extension which took a while for approval They denied my extension and I have a letter that says pay by XX/XX/XXXX I paid in full XX/XX/XXXX. 

I have some voice recordings but I haven't figured out how to download them yet. 

My credit says I was XXXX delinquent. If I did have to take a hit on my credit it shouldn't be XXXX it should if anything be at least 2 months late but they specifically told me multiple times that I was fine. 

I called them and they didn't understand my complaint and the lady was just dismissive. 

I have letters and documents that say " We will not assess any late fees while you're successfully participating under the terms of this agreement. ''

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I previously disputed these items and requested full removal/correction. Despite that, the company continues to report these tradelines and fails to provide a meaningful, evidence-based resolution. This is a violation of the companys duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ) .If the company claims the information was verified, I request full details of the verification process, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ), not a generic statement.I am requesting CFPB assistance because this inaccurate reporting is causing ongoing harm and the company has not resolved the matter through normal dispute channels.

The following account is reported in connection with my file : XXXX - XXXX opened on XX/XX/year> balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-12-08 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year> I pulled my credit report and noticed an unauthorized account under XXXX XXXX  for a credit card in the amount of {$5000.00}. I filed a dispute numerous of times since then to make XXXX XXXX  aware that this account was not opened by myself and it is affecting my credit. I did not authorize this account and I have contacted all three credit bureaus as well XXXX XXXX  over five times since XXXX to resolve this matter. I have had no relief from this issue and due to the security breach that XXXX XXXX  notified me of involving customer data, my financial and personal information may have been exposed. I am concerned that this led to the opening of this credit card account and the debt that they are trying to make me liable for despite my efforts to advise them that I did not authorize nor open this account. I am filing this report to officially document identity theft and to protect my credit.

I also discovered two accounts opened in my name for AFFIRM that I did not authorize. I filed a dispute numerous of times since then to make AFFIRM aware that these accounts were not opened by myself and it is affecting my credit. I requested that they remove these accounts from my credit profiles and close these accounts due to identity theft. I have had no relief from my concerns and AFFIRM security breach potentially led to the opening of these accounts and therefore causing identity theft on my behalf and is damaging my credit. The debt that they are trying to make me liable for despite my efforts to advise them that I did not authorize nor open this account has not been resolved. I am filing this report to officially document identity theft and to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: WI

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting false, impossible, and misleading information on my credit reports. The account was closed in XX/XX/2020, yet the company continues to report data that is not accurate, not verifiable, and violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : XXXX. XXXX XXXX is reporting an impossible balance of {$5200.00}. 

The credit report clearly shows : Highest balance ever owed : {$720.00} Reported current balance : {$5200.00} It is not mathematically or legally possible for a closed installment loan with a {$720.00} maximum balance to grow to {$5200.00} XXXX years later. This is inaccurate and violates : FCRA 607 ( b ) accuracy requirement FCRA 602 ( A ) fair and clear reporting XXXX. The report displays a nonsensical and misleading notation : $ 622 % of loan paid off. 

This appears to be a mis-coded field or system error. 
It is confusing, inaccurate, and misleading to lenders and violates : FCRA 607 ( b ) accurate presentation of data FCRA 602 clarity and fairness requirements. 

XXXX. XXXX XXXX appears to have reported late payments AFTER the account was closed. 

The account was reported closed in XX/XX/2020, yet late payments continue to appear after this date. 

This is illegal because : A closed/charged-off account can not continue to accumulate new late payments. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate.

It also suggests possible illegal re-aging of the account, violating FCRA 605 ( a ). 

This can extend the damage to my credit file beyond the allowed XXXX reporting period. 

Impact on Me : These false and inflated figures have : Lowered my XXXX score Affected my ability to obtain credit Presented a misleading financial picture to lenders Caused unnecessary emotional and financial stress What I Have Already Done : I have sent dispute letters to the credit reporting agencies requesting correction or deletion. 
However, the incorrect data remains and continues to change, which shows ongoing inaccurate reporting by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-08 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: CA

Complaint narrative:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am a consumer working to fix my credit report and have noticed several discrepancies across my reports from the XXXX credit bureaus : Equifax, XXXX XXXX XXXX Below, I have outlined the accounts in dispute, including charged-off accounts, inquiries, positive accounts, and late payments. I respectfully request an investigation of these items to ensure the accuracy of my credit report. 

Charged Off : None reported. 

Inquiries : XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year> XXXX, XX/XX/year> Late Payments : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-08 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: NE

Complaint narrative:
These accounts do not belong to me and should be taken off within 15 days per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
Over a year and a half ago, Trans Union lowered my XXXX score from XXXX to XXXX, for no reason. Since then, my credit history has only gotten better. I didn't miss any payments or carry any debt during this period. So, every time Trans Union closed my complaint, I started another. If it seem like a duplicate, it is because Trans Union hasn't fixed the problem. They refuse to admit that they lowered my score for no reason. Then, CFPB send me a notice that this looks like a duplicate complaint. So, what am I suppose to do : Stop complaining about it? This is complete and utter nonsense. Trans Union needs to stop acting like a bunch of XXXX, and fix the problem they created.

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 2025-12-08 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-08 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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