vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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 this follow-up complaint to address the continued inaccurate reporting by Equifax, Experian, and TransUnion regarding XXXX accounts that remain unresolved despite my prior dispute and submission of supporting documentation. The first account, XXXX XXXX XXXXXXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reported with a balance of {$0.00}, a start date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, along with XXXX and XXXX past due notations that do not reflect my timely and satisfactory payment history. The second account, XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX is incorrectly reported with a balance of {$610.00} and multiple late payment notations, including XXXX instances of XXXX  days past due, XXXX instance of XXXX  days past due, and XXXX instance of XXXX days past due, all of which are inconsistent with my records. I previously provided documentation to both the consumer reporting agencies and the furnishers verifying the accurate payment history for these accounts ; however, the inaccuracies remain. I am requesting that the CFPB ensure the credit reporting agencies and furnishers comply fully with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including their obligations to conduct a reasonable reinvestigation, verify the accuracy of the information reported, and promptly correct or delete any inaccurate or unverifiable data.

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 2025-12-16 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: FL

Complaint narrative:
I bought a car that I returned to the dealer in less than a week due to mechanical problems. I called the finance company and told them I had returned the car to the dealer. Now the dealership has closed, and they haven't removed the loan from my credit report. I urgently need to close that account since I no longer have the car.

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 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and incomplete credit reporting by Experian, Equifax, and TransUnion involving XXXX accounts that are being reported with conflicting data across bureaus despite federal requirements for accuracy, verification, and uniform reporting. Specifically, the XXXX  XXXX account ending in XXXX with a balance of {$450.00} is reported differently by each bureau : Experian lists a Date of Last Activity of XX/XX/year> with XXXX, XXXX, and XXXX late payments and a Date Reported of XX/XX/year> ; Equifax reports XXXX same account with a different Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and only XXXX and XXXX late payments ; while TransUnion reflects yet another version, showing a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and again XXXX, XXXX, and XXXX late payments. These conflicting timelines and delinquency statuses for the same account create an inaccurate and misleading credit profile that does not comply with the Fair Credit Reporting Act. Additionally, the XXXX account ending in XXXX with a balance of {$440.00} is reported on Equifax with a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and a XXXX late payment, yet this same account is not reported at all on my Experian or TransUnion credit files, resulting in incomplete and selective reporting. As a consumer, I have the right to a credit report that is accurate, complete, and consistently reported across all bureaus, and these discrepancies indicate failures in investigation, verification, and updating obligations under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), as well as violations of 15 U.S.C. 1666 and 1666a related to billing error resolution and creditor conduct during disputes. The continued presence of conflicting information despite my efforts to monitor and address these inaccuracies has caused harm by misrepresenting my payment history and account activity to potential lenders.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I was induced to provide sensitive personal information under false pretenses, outside of secure company channels, and the company failed to provide written confirmation of data deletion, breach notification, or corrective safeguards I applied for a loan in XXXX and was denied. Despite this, I continued receiving notices stating I was denied for failure to submit documentation. When I called for clarification, a company representative falsely stated I was approved for {$600.00} and requested that I send my drivers license and proof of income to her personal cell phone. Within minutes, I was informed the loan would not be approved. XXXX later admitted my application was mixed up with another customers and claimed the representative deleted my information, but provided no written confirmation or explanation of safeguards. I believe my personal information was obtained under false pretenses and mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-16 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: WA

Complaint narrative:
I am submitting this follow-up complaint as my third formal dispute regarding unresolved inaccuracies appearing on my Equifax credit report. Despite prior dispute submissions, these issues remain uncorrected. I am therefore requesting CFPB assistance to ensure Equifax complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to report only information that is accurate, complete, and verifiable, as required by FCRA 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

The first matter concerns an inaccurate address currently listed on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This address is incorrect and does not correspond to any residence I have ever occupied. The continued reporting of this erroneous address misrepresents my residential history and creates the potential for confusion or misassociation of credit activity. The FCRA requires that inaccurate or unverifiable identifying information be corrected or removed to prevent consumer harm. I am requesting that Equifax verify this address using appropriate source documentation and update my credit file to reflect only accurate, verified addresses. 

The second matter involves an unauthorized inquiry appearing on my Equifax report : XXXX  on XX/XX/year>. I did not authorize or apply for credit with this entity. Under FCRA 611 ( a ), Equifax is obligated to conduct a reasonable reinvestigation of disputed inquiries and remove any item that can not be fully substantiated. The presence of this inquiry inaccurately implies that I sought or authorized credit and misrepresents my credit activity. Any inquiry that can not be verified directly with the original creditor must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
To Whom It May Concern, I am writing this letter to provide context regarding an account currently appearing on my credit report that is being actively disputed. 

The account in question was opened with XXXX XXXX XXXX XXXX ( XXXX ) and later reported as charged off. However, after reviewing my credit reports, I identified several inconsistencies and inaccuracies in how this account is being reported. Specifically, the account reflects ongoing delinquency updates and balance activity well after the charge-off date, which has caused the account to appear more recent and damaging than the actual circumstances reflect. 

Additionally, the account lacks complete and verifiable information, including a clearly documented payment history and accurate delinquency timeline. Because of these issues, I have formally disputed the account with all three major credit reporting XXXXExperian, TransUnion, and XXXX well as directly with XXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

At this time, the matter is under investigation, and I am awaiting the results of these reinvestigations. My intent is to ensure that my credit report reflects only information that is accurate, complete, and legally reportable. 

I have consistently worked to maintain my financial responsibilities and am taking the appropriate steps to correct any reporting errors that may be negatively affecting my credit profile. I respectfully request that this explanation be considered while the dispute process is ongoing. 

Thank you for your time and consideration. 

Sincerely, 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 2025-12-16 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/year> Balance XXXX These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts.

3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability.

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/year> Balance XXXX These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts.

3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This issue has been addressed several times yet this is still showing up on my credit report XXXX, XXXX XXXX XXXX XXXX XXXX even with me providing proof they continue to add things to my report I've sent a notice of intent because my colleagues and I will be filing a lawsuit 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report XXXX XXXX Code XXXX - Civil action for deprivation of rights XXXX XXXX Code XXXX - Action for neglect to prevent XXXX XXXX Code XXXX - Prohibition against discrimination or segregation in places of public accommodation XXXX XXXX Code XXXX - Tampering with a witness, victim, or an informant XXXX XXXX Code XXXX - Concealment, removal, or mutilation generally XXXX XXXX Code XXXX - Definition of scheme or artifice to defraud XXXX XXXX Code XXXX - United States as defendant XXXX XXXX Code XXXX - Extortion by officers or employees of the United States XXXX XXXX Code XXXX - Obstruction of proceedings before departments, agencies, and committees XXXX XXXX Code XXXX - Loyalty and striking XXXX XXXX Code XXXX - Conspiracy to interfere with civil rights XXXX XXXX Code XXXX - Federally protected activities XXXX XXXX Code XXXX - Cause of action XXXX XXXX Code XXXX - Retaliating against a witness, victim, or an informant XXXX XXXX Code XXXX - Obstruction of criminal investigations XXXX XXXX XXXX - Use of public office for private gain. 
XXXX XXXX Code XXXX - Disloyalty and asserting the right to strike against the Government XXXX XXXX Code XXXX - Theft or alteration of record or process ; false bail XXXX XXXX Code XXXX - Conspiracy against rights XXXX XXXX Code XXXX - Deprivation of rights under XXXX of 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
To XXXX XXXX, I am writing to dispute inaccurate account information. After, contacting XXXX XXXX XXXX at XXXX on XX/XX/year>, and speaking with XXXX XXXX was determined that I am not an authorized user on account number XXXX Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove this account from my credit report. 
Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate and fair. Please re-investigate and remove all accounts that can not be verified. I have provided attachments clearly identifying the inaccuracies on Experian, credit reports. 
Requested remedy : I am requesting that Experian provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies. 
XXXX. Proof of Authorized User Please complete your re-investigation within the statutory period and mail an updated copy of my credit report to the address above. If your re-investigation finds that any of the above validating information is inaccurate you are required to remove this account for Experian.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a direct dispute under 15 U.S.C. 1681s-2.

You are reporting a collection account without proof of your authority to do so. Provide : Proof of current servicing rights Assignment documentation Master Promissory Note Permissible purpose under FCRA Failure to provide this documentation requires immediate deletion of the tradeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding an unauthorized ATM withdrawal of {$680.00} from my Cash App account on XX/XX/year>, at a XXXX XXXX  ATM. 

I did not authorize this transaction. My Cash App card was in my possession at the time, and I did not knowingly share my PIN. This withdrawal occurred due to an unauthorized PIN compromise, which I did not discover until after the transaction posted. 

Cash App denied my dispute solely on the basis that the transaction was completed using the card and PIN and that my account showed other activity earlier that day. This determination is flawed and does not meet the requirements of Regulation E ( 12 CFR 1005 ). 

The presence of prior legitimate transactions does not establish authorization of a later fraudulent ATM withdrawal. Additionally, PIN compromise can occur without card loss or intentional disclosure, and delayed discovery of fraud is explicitly recognized under Regulation E. 

The transaction history on this date shows indicators of fraud, including multiple balance inquiries prior to the ATM withdrawal, which is a known fraud pattern. Cash App did not investigate these indicators, did not request or review ATM camera footage, and did not meaningfully assess whether the withdrawal was truly authorized. 

Cash App has refused to allow a further appeal and has closed its internal dispute process, leaving no consumer remedy. 

I am requesting that this matter be escalated for a full Regulation Ecompliant review and that the unauthorized {$680.00} ATM withdrawal be provisionally and permanently credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation