vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
On XX/XX/XXXX, I filed disputes with all three credit bureaus regarding inaccurate and unverifiable accounts appearing on my consumer reports. XXXX of these accounts, XXXX XXXX, opened XX/XX/XXXX, lists a {$200.00} limit and a {$450.00} charged-off balance. The account now reports under Equifax as Collection / Charge-Off with the remark Charged off as bad debt | Canceled by credit grantor. 

Equifax responded to my dispute with the statement : Account information disputed by consumer, meets FCRA requirements. 

That phrase is a generic compliance response. It does not show that a full investigation or verification took place. Equifax has not provided any documentation proving the debt, such as an original signed agreement, a detailed payment history, or properly formatted XXXX XXXX data to justify the charge-off. 

This failure constitutes violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure by furnishers to properly verify disputed data Equifaxs response does not satisfy these obligations and leaves inaccurate, unverifiable derogatory information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate and unverifiable accounts appearing on my credit report. These items are negatively impacting my credit and have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, these furnishers continue to report misleading or inconsistent information.

1. American Honda Finance is inaccurately reporting late payments on a paid and closed auto loan account on my credit report. The account reflects multiple XXXX and XXXX late payment notations that do not accurately represent my actual payment history or the final status of the account. Since the account was paid in full and closed in good standing, the continued presence of late payments is misleading and unfairly lowers my credit score. 


XXXX. XXXX XXXX is reporting inaccurate and unverifiable information on my credit report. The account shows a charged-off balance of {$550.00} with repeated late payment and charge-off notations that do not align with my payment records or any valid agreement. I have not received complete validation or documentation from XXXX confirming the accuracy of this debt or proof that they have the right to report it. 

XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting inaccurate and inconsistent information on my XXXX  credit report. The account reflects a balance of {$2400.00} and multiple late-payment notations, including XXXX, XXXX, XXXX, and XXXX delinquencies, which are not consistent with my payment history or records. I have contacted the company and have not received proper documentation verifying these reported delinquencies or confirming the validity of the balance. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is reporting another account showing a balance of {$3300.00} with multiple late-payment entries that are inaccurate and unverified. The account reflects repeated XXXX to XXXX delinquencies that are inconsistent with my payment history. I have requested verification and supporting documentation from XXXX, but they have not provided clear proof of these late payments or an accurate accounting of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : FCRA Violations Identity Theft, Mixed File, and Improper Reinsertion of Deleted Tradelines I am submitting this complaint against TransUnion, Experian, and Equifax for failing to maintain accurate and verifiable credit-file data under the Fair Credit Reporting Act. 

I am the verified victim of identity theft and multiple data breaches, confirmed by FTC Identity-Theft Report and Police Report # XXXX. Despite prior deletions and reinvestigations, the bureaus have : Reinserted previously deleted accounts without furnisher certification or notice ( 611 ( a ) ( 5 ) ( B ) ) ; Reported conflicting account statuses across bureaus ( e.g., XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ) ; Recorded unauthorized hard inquiries ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, etc. ) without permissible purpose ( 604 ) ; Mishandled personal identifiers and mixed my data with other consumers ; and Maintained outdated or conflicting names, addresses, and employer data ( 607 ( b ) ).

These systemic errors have caused financial injury by impairing my ability to obtain business credit and banking approvals, since lenders rely on specialty databases ( XXXX XXXX XXXXXXXX, XXXX, XXXX, etc. ). I have requested deletion, blocking, and verification under 605B, 607 ( b ), 609 ( a ), and 611, yet no bureau has provided a lawful Method of Verification or evidence from the original furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Late Payment Reporting under the Fair Credit Reporting Act ( FCRA Consumer Credit File ) Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payment on my credit reports across all three major credit bureaus : Equifax, Experian, and TransUnion. The accounts in question relate to my personal information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and integrity of the information they report. If a consumer disputes information, the bureau must conduct a reasonable reinvestigation within XXXX days and delete any information that can not be verified ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 
Upon my review, the late payments reported are inaccurate due to payments not late, incorrectly reported dates. Such inaccurate reporting violates the FCRAs mandate that only accurate and complete information be included in consumer reports ( see, e.g., XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. XXXX ) ). 
Additionally, late payments must be reported only if they are past due by at least XXXX  days ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ) ) and can not remain on the report beyond 7 years from the delinquency date ( 15 U.S.C. 1681c ( c ) ). 
Please treat this letter as my formal dispute of the inaccurate late payment entries. I request that these items be removed from my credit reports immediately. 

Failure to comply with the FCRAs investigative and correction requirements could result in violations of federal law. Please provide written confirmation of your investigations outcome and any corrective actions taken within the statutory period. 
Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Late Payment Reporting under the Fair Credit Reporting Act ( FCRA Consumer Credit File ) Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payment on my credit reports across all three major credit bureaus : Equifax, Experian, and TransUnion. The accounts in question relate to my personal information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and integrity of the information they report. If a consumer disputes information, the bureau must conduct a reasonable reinvestigation within XXXX days and delete any information that can not be verified ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 
Upon my review, the late payments reported are inaccurate due to payments not late, incorrectly reported dates. Such inaccurate reporting violates the FCRAs mandate that only accurate and complete information be included in consumer reports ( see, e.g., XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. XXXX ) ). 
Additionally, late payments must be reported only if they are past due by at least XXXX  days ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ) ) and can not remain on the report beyond 7 years from the delinquency date ( 15 U.S.C. 1681c ( c ) ). 
Please treat this letter as my formal dispute of the inaccurate late payment entries. I request that these items be removed from my credit reports immediately. 

Failure to comply with the FCRAs investigative and correction requirements could result in violations of federal law. Please provide written confirmation of your investigations outcome and any corrective actions taken within the statutory period. 
Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
With excellent credit purchased windows for a home I purchased. XXXX XXXX.They advertise favorable interest rates for consumers. The window company ran me through a XXXX XXXX  I saw 11.9 % He said simple interest.i waited for documents. I was contacted shortly after by this Service Financial that I was late demanding payment. Made 2 after making 3rd realized 100 %! was interest. Said late payment resulted in rate change. Tried reasoning. They refused to accept anything else. I said Im not paying 100 % interest They ruined credit and placed lien on home. I was talking to a lawyer. He said wait when to make payment is word against word. Changing rate for late payment is against the 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 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX XXXX I received notification that {$1000.00} was withdrawn from my Cashapp account followed by an additional {$300.00}. I reached out to the company twice to try to recover my lost money when it was denied both time and they stated there was nothing to be done. I begged and pleaded that it literally everything I had and that I didnt own nor have access to said account that my funds went into. Nothing as yet to be done about this. A few weeks before the incident on XX/XX/2025 at XXXX XXXX, there was another incident that accrued with my account. On XXXX XXXX there was a transaction for bitcoin in the amount of {$370.00} I noticed it and reached out to Cashapp for assistance and then I was told that nothing could be done about my lost money. I really need help please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: AL

Complaint narrative:
In the response from the company, they stated the balance was XXXX but on the credit report it is showing I owe XXXX. Why is there a difference in the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I was a victim of a XXXX  impersonation scam. A scammer impersonating XXXX trader XXXX XXXX ( real username : XXXX  ) contacted me via XXXX using the fake username " XXXX  '' ( missing XXXX " r ' ). 

The scammer posed as XXXX XXXX and offered fake " trading signal packages '' called " XXXX XXXX '' and " XXXX XXXX XXXX  '' costing $ XXXX {$110000.00}, claiming I could make {$1.00} XXXX in XXXX  months. 

I am a paying XXXX member of the real XXXX XXXX 's XXXX community. The scammer exploited this trust to defraud me. 

I had XXXX different transactions : XXXX. XX/XX/year> : XXXX XXXX ( est. {$4900.00} ) from my Robinhood account to scammers wallet address : XXXX. 
Transaction ID : XXXX. 

XXXX. XX/XX/year> : XXXX USDC from my Robinhood account to scammers wallet address : XXXX. Transaction ID : XXXX XXXX. XX/XX/year> : XXXX USDC from my Robinhood account to scammers wallet address : XXXX. XXXX ID : XXXX XXXX. XX/XX/year> : XXXX USDC from my Robinhood account to scammers wallet address : XXXX. Transaction ID : XXXX The real XXXX XXXX explicitly warns members he will never send direct messages. This was a sophisticated impersonation scam. 

Platform used for communication : XXXX Scammer 's fake XXXX username : XXXX XXXX trader 's XXXX  username : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Several fraudulent credit accounts and inquiries were added to my credit report without my authorization. I have filed a police report for identity theft and attached documentation. Despite notifying the credit bureaus, these false accounts remain. I am requesting immediate removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / FCRA 605B ).

The fraudulent accounts are : XXXX XXXX XXXX XXXX. ( ending XXXX ) XXXXXXXX XXXX XXXXXXXX ( ending XXXX ) XXXX XXXX / XXXX XXXX XXXX ( ending XXXX, XXXX ) XXXX XXXX XXXX ( ending XXXX ) XXXX XXXX XXXX accounts ( ending 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 2025-11-09 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: TX

Complaint narrative:
The XXXX XXXX secured credit card account, opened XX/XX/XXXX, is completely false and materially inaccurate on my Equifax, XXXX, and XXXX  credit reports. This account is reported as open with {$0.00} available credit and 117 % usage, despite being charged off and closed, and is causing significant, unjustified harm to my credit profile. 
The account contains multiple material errors that violate the Fair Credit Reporting Act ( FCRA ) : Highest balance reported as {$0.00}, which is false. 
Worst payment status shows No Info, despite multiple documented late payments and charge-off. 
Credit utilization misrepresented reporting usage on a closed, charged-off account is misleading. 
Last payment date is inaccurate or misleading reported as XX/XX/XXXX. 
Dispute remark outdated or false Consumer disputes reinvestigation in progress.

Reported balance misrepresents the account {$580.00} past due appears current despite charge-off.

These reporting errors violate the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishers must provide accurate and complete information.

15 U.S.C. 1681i ( a ) : Credit bureaus must investigate and delete materially inaccurate information.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain reasonable procedures to ensure maximum accuracy. 
Because this account is entirely false, materially inaccurate, and damaging, I demand that XXXX XXXX  and all credit bureaus delete this account from my credit reports immediately. Any partial correction is unacceptable and would continue to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app will not transfer my money over to my new account and I gave them all the information that I needed. I don't have the cash app cards cause they was stolen and I can't remember them by heart. And I need the money from my check to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This notice serves as a formal consumer demand for reinvestigation and correction of inaccurate and unverifiable personal information appearing on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Uniform Commercial Code ( UCC 1-308 & 1-103 ) preserving all legal rights and remedies.

Upon review of my Experian credit disclosure dated XX/XX/year>, I identified several items of personal information that are inaccurate, outdated, or unverifiable, as defined under 15 U.S.C. 1681i ( a ) and 1681e ( b ). I hereby demand that you delete or correct the following : 1. Name Variations Only the name XXXX XXXX XXXX is authorized and verifiable.

Remove any other names, abbreviations, or variations not matching this exact legal name.

2. Addresses The only correct and verifiable address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Immediately delete the following unverifiable addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 3. Employment Information The only accurate employment to remain is XXXX XXXX. 
Delete all other employer listings, including XXXX XXXX XXXX XXXX, which are obsolete and unverifiable.


4. Phone Numbers Remove all phone numbers from the file. No number is authorized for public reporting or third-party disclosure. 5. Inquiries Pursuant to 15 U.S.C. 1681b ( a ), no company may access or maintain inquiries without a permissible purpose related to an existing or closed credit relationship. Delete all hard inquiries not connected to an open or closed account, including : XXXX XXXX ( multiple entries XXXXXXXX XXXX ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX ( XX/XX/year> ) Only inquiries directly related to current active or closed accounts should remain.

Under FCRA 611 ( a ) ( 5 ), you are required to complete this reinvestigation within 30 days of receipt and provide written confirmation of all deletions or corrections. Failure to comply constitutes willful noncompliance under FCRA 616, which carries statutory damages, and negligent noncompliance under 617, which allows for recovery of actual damages and attorneys fees.

I reserve all rights under UCC 1-308 without prejudice, and demand that all correspondence, updates, or confirmation of deletions be sent directly to the address above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  engaged in deceptive and discriminatory practices that specifically targeted XXXX and XXXX students in Florida and other communities. The school used false advertising, high-pressure enrollment tactics, and misleading claims about job placement and career success. Recruiters made promises that graduates would easily find high-paying jobs in their field, which turned out to be untrue.

I was pressured into taking out federal student loans under the Higher Education Act to enroll at XXXX. I was told this would be an investment in my future, but the education provided was poor in quality and lacked the resources, support, and job connections that were promised. The programs were overpriced, and much of the instruction time was spent without meaningful training. 

XXXX  deceptive policies defrauded XXXX and XXXX  students, leaving many of us with large amounts of student debt for programs that failed to deliver. This was not only financially damaging but emotionally devastating. Many students, including myself, were first-generation college students hoping to build a better life, but instead we were misled into debt we could not afford. 

The schools permanent closure on XX/XX/year>, after a U.S. Department of Education investigation and settlement with its parent company, XXXX XXXX XXXX ( XXXX ), confirms that these practices were unethical and unlawful. 

As a result, I suffered financial hardship, damaged credit, and loss of educational opportunities. I am requesting a full refund of all payments I made toward these loans, discharge of any remaining balance, and correction of my credit report to show that this debt was incurred as part of an illegal and discriminatory school scheme.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have sent 4 affidavit to four different Ally Finance address by prority mail and fax that shows it was received. I follow up with phone calls. I never got a responds from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation