vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
To : Equifax, Experian, TransUnionSubject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, & TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal actionunder the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To : Equifax, Experian, TransUnionSubject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, & TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal actionunder the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I deposited a check I received from tower loans. It was deposited at the atm. The next morning my account was closed. They suspected fraud. I went to court with the check issuing company and had my paychecks garnished. This was due to XXXX  having the check and not releasing funds. I lost in court saying I had to pay it no matter what since XXXX  seemingly has the funds. The stated My issue is with XXXX and I still owe them. I went to court for this so everything was legit. No fraud what so ever. I paid the loan off from the issuing company via garnishment but I never received any funds and they ( XXXX bank ) just say that they are still trying to verify the check. Its been 2 years. It happened in 2022. The last XXXX numbers of the checking account was XXXX. Please help me. I didnt do anything wrong.

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: PA

Complaint narrative:
PREDATORY LENDING INTEREST RATE. 22.89 % NO REPOSSESSION NOTICE / REPOSSESSED VEHICLE WHILE DEALERSHIP WAS TRYING TO REFINANCE LOAN AT A LEGAL RATE. WAS TOLD NOT TO MAKE SECOND PAYMENT. 
OVERCHARGING FOR REPOSSESSION FEES IN ORDER TO RETRIEVE TRADE IN BACK. 
ALSO EFFECTING A CO-SIGNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-02 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate late payment that appears on my credit report. Upon careful review, I identified multiple accounts with discrepancies regarding late payments, account status, and balances. These accounts were paid as agreed, yet the reporting on my credit report does not accurately reflect this fact. I am requesting that to conduct a thorough investigation and ensure that my credit report accurately reflects my credit history, including proper reporting that these accounts were paid as agreed, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in TU/tied up XXXX open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX XXXX  / LEAD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX Under the FCRA, consumers have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Sections XXXX ( a ) and XXXX require credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information. Section XXXX provides the right to dispute information directly with the credit bureau, obligating the XXXX to investigate the dispute with the relevant creditor, complete the reinvestigation within a reasonable period, and correct any inaccuracies. Section XXXX ( a ) provides the right to request verification of account data from the source. Together, these provisions require that all information reported is accurate, complete, verifiable, and reflects the true payment history of the accounts.

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 2025-12-02 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:
To Whom It May Concern I am filing this complaint because my consumer report contains these items I have no knowledge of. I previously disputed these items, but the credit bureau failed to correct or properly reinvestigate them as required under the FCRA. These errors are harming me and must be removed. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  The late payment marking is false. I have never missed any payment and therefore this violates FCRA XXXX and must be corrected immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I do not recognize or have any connection to this account. Unverifiable charge-off reporting violates FCRA XXXX and XXXX ( b ). This account must be deleted from my file. 

INQUIRY XXXX XX/XX/XXXX I did not authorize this inquiry and there is no permissible purpose. Under FCRA XXXX it must be deleted immediately. 

I request CFPB assistance to require deletion of all wrong information that do not belong to me, and to ensure the bureau complies with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I went to put in a XXXX payment to somebody. They told me that the transaction was canceled three times.

It pulled the money out of my account twice and now they are posted and they wont give me my money back.

One payment was only supposed to be sent.

But all three attempts were canceled and failed payments so no money shouldve been taken out of the account.

I was told directly by BMO that they were having problems with their XXXX account after I called.

Now theyve taken the money out of my account they refused to help me and theyre putting me in a really bad position. Theyre really scummy and they dont care about me. They took my money and they could care less.

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 monetary relief
Consumer complaint received 2025-12-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
Transworld Systems Inc. has contacted me twice by email and sent me another persons personal and financial information. I am not the person associated with the debt. 

The first email was sent on XX/XX/XXXX, and the second was sent XX/XX/year> at XXXX XXXX. Both emails contained the individuals name and private financial account information. This is a serious privacy breach and an improper disclosure of personal information. 

I have never had any account with this company, and they are contacting the wrong person. This violates the Fair Debt Collection Practices Act ( FDCPA ) and raises significant privacy concerns. 
I request that the CFPB investigate this matter, require Transworld Systems Inc. to stop contacting me, and ensure they address this unauthorized disclosure of private information. 

In the emails sent to me, Transworld Systems Inc. included a settlement offer for a debt that does not belong to me, including the exact dollar amount ( {$380.00} ) and a 15-day payment deadline. This confirms that they have misidentified me as the debtor and are attempting to collect a debt from the wrong person while disclosing another consumers financial information.This proves that Transworld Systems Inc. has misidentified me as the debtor and is actively attempting to collect a debt from the wrong person. It also proves that they disclosed the correct consumers financial details to an unauthorized third party ( me ), which is a serious privacy breach and a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I went out to have a few drinks and we had asked for the prices of the drinks and the bartender told us XXXX price at first then they took my phone behind the counter and charged me XXXX dollars from my cash app card and told us it was going to be XXXX total. the place was about to close we said we didnt want the drinks anymore we didnt even touch the drinks then they go on to say that they cant give me a refund for the XXXX I had already paid. We were forced to pay the the balance they made us leave. I filled a dispute with cash app and and they denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-02 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding my Discover account.

XXXX  currently reports each late payment on this account as 60 days past due, while XXXX  and XXXX  report the same late payments as 30 days past due. This discrepancy demonstrates that the information being furnished is not consistent or accurate across all three credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, the authorized user on this account has observed that Discover recently removed all of their reporting history, including late payments, from the account. This change further highlights the inconsistency and raises questions about the accuracy of the data being furnished.

I request that you : - Conduct a thorough investigation into the reporting of this account.

- Verify the correct payment history with Discover.

- Update my credit file to ensure all three bureaus reflect accurate and consistent information.

- Provide me with written confirmation of the results and an updated copy of my credit report once corrections are made.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI

Complaint narrative:
I requested account ownership information from NMAC via certified mail and through the CFPB. On XX/XX/2025, NMAC sent letters claiming my account was sold to XXXX XXXX XXXX with a {$12000.00} deficiency balance, stating they no longer had the right to discuss it. However, XXXX informed me that NMAC had recalled the account on XX/XX/2025, 11 days earlier, due to title and XXXX release issues. NMAC knowingly provided false information, sent me on a runaround, refuses to clarify ownership, and is denying me the ability to resolve or settle my debt. I have called multiple times over the last three weeks, repeatedly transferred, and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief