vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I am filing a complaint involving false credit reporting, misrepresentation of an auto loan, and retaliatory/abusive behavior connected to the account. 

The vehicle loan was originally serviced by XXXX XXXX XXXX In XXXX, the dealership bought the account back from the finance company. Despite this, XXXX XXXX continued to report negative information on my credit report for XXXX and XXXX, including a large negative balance of approximately - {$6000.00}. A XXXX XXXX employee admitted on the phone that this reporting was a mistake but could not explain why it was submitted. This inaccurate reporting has severely damaged my credit and prevented me from obtaining another vehicle. 

At the time of purchase, the dealership failed to disclose repeated mechanical issues with the vehicle, and the check engine light was reset multiple times without repairing the problem. They also sold me a powertrain warranty that was misrepresented. When the engine failed, the warranty company required me to pay out of pocket to tear down the engine before they would even decide whether they would cover up to {$1000.00}. This condition was never disclosed at the time of sale. The dealership later claimed the warranty was denied because I ran the oil out, which was not true and was not stated by the warranty company. 

When I contacted the dealership recently to address the false reporting and misrepresentation, I experienced severe retaliation. I informed the dealership representative ( identified as the person in charge ) that the call was being recorded, and he acknowledged this. He then made abusive, hostile, and racially charged remarks, told me I was lazy, accused me of not wanting to take responsibility, stated thats how a lot of you XXXX men are, and said I was a waste of his time. He told me that no dealership should sell me a car, that he would countersue me if I pursued legal action, and repeatedly stated he did not care. All of this occurred after I raised concerns about the false credit reporting and contract issues. 

This behavior appears to violate standards around fair treatment, misrepresentation, and retaliation when a consumer disputes an account. I am requesting that the false credit reporting be corrected, that the actions taken by XXXX XXXX and the dealership be reviewed, and that the abusive and retaliatory conduct connected to the loan dispute be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2025-12-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX. has charged off my mortgage account, which is now closed and settled within their books and records. 
Thereafter, another mortgage company purportedly purchased the same debt, constituting a commercial dishonor and violation of lawful contract principles, as an extinguished debt can not be reassigned or sold. 

XXXX XXXX  has no original contractual nexus with me and is unable to produce any wet-ink signature or verified affidavit bearing my consent or authorization, as required under UCC 3-401 and common-law contract doctrine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested the return of a credit balance of approximately {$4000.00} from my credit card account. Under Regulation Z ( 12 CFR 1026.11, Implementing the Truth in Lending Act ), the issuer is required to refund a credit balance within 7 business days of a written request. 

On XX/XX/XXXX, I was told a check was mailed. Today is XX/XX/XXXX and I have not received my refund. 

I contacted the company and they refused to : Issue a direct deposit/ACH refund Issue a wire transfer Issue an expedited or overnight check Reimburse costs or accept responsibility for the delay They insisted the only option is another standard mailed check that may take 710 additional business days, after already failing to meet the 7-day legal refund requirement.

I am requesting immediate refund issuance via electronic transfer or expedited check delivery. The companys refusal is causing harm and violates the timing requirement under Regulation Z.

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 2025-12-09 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries in Dispute : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a consumer attempting to resolve issues on my credit report. Please review the following disputed accounts and correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request their removal from my credit report. 

Charged Off Accounts : XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$300.00} XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$4100.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$41.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account 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 2025-12-09 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX I lived at one address for last 15 years XXXX XXXX XXXX XXXX, OH XXXX and one of these accounts are attached to me and they are illegal and needs to be removed. Remove these accounts within 30 days of receipt under FCRA and FTC 1681 ( b ) by law these accounts must be removed! 


XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$850.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$490.00} XXXX XXXX XXXX Date Opened Balance {$13.00} XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: OH

Complaint narrative:
I am submitting this complaint regarding the account your company is reporting. I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and correction or deletion of any inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).

The account reporting contains multiple inconsistencies, conflicting dates, and errors, which raise questions about its accuracy and legitimacy. POSSIBLEFINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation Requested Please provide : A copy of any original contract or agreement with my signature. 

A full breakdown showing how the balance increased from {$350.00} to {$400.00}. 

Proof of ownership or assignment demonstrating your legal right to collect. 

Full name and address of the original creditor. 

Documentation of dates for default, charge-off, and last payment. 

Until proper validation is provided, you must : Stop all collection activity. 

Pause reporting to credit bureaus. 

Remove any unverified information. 

Reporting Errors Identified Conflicting Dates : Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Last Verified : XX/XX/XXXX Date Reported : XX/XX/XXXX These dates do not align and create contradictions. 

Incorrect Status & Description : Account marked as Closed but also Collection/Chargeoff.

Reporting shows Charged off as bad debt and also Dispute resolved ; reported by grantor. 

Balance Discrepancy : High Balance : {$350.00} Balance Owed / Past Due : {$400.00} There is no documentation explaining the {$58.00} increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-12-09 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: TX

Complaint narrative:
I, XXXX XXXX XXXX am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NJ

Complaint narrative:
This is an ongoing problem that has been previously addressed by me to your company as well as to the Cash App company in regards to correcting my personal information see complaints id XXXX this has and continues to prohibit me from receiving my 2024 income taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.t.

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 2025-12-09 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: CBC Companies, Inc.
State: PR

Complaint narrative:
Some one has tried to get a credit card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information that appears on my credit report. These accounts are inaccurate or incomplete and need to be reviewed for corrections or removal in compliance with the Fair Credit Reporting Act. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4900.00} DEPTEDXXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: HI

Complaint narrative:
I am submitting this complaint with absolute certainty. An account on my credit report is inaccurately reported and does not meet the requirement of maximum possible accuracy. This error is not trivial : it is misrepresenting my financial history, harming my credit, and causing real, ongoing XXXX. I have repeatedly raised this issue and it remains unresolved, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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