vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputed accounts are to be handled and eliminated according to legal time limits.

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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I was shown a company, one main financial, that I would be approved through credit carma. I contacted this company and they said I was approved and I needed to submit my documents. I did this and I asked a couple of time was I for sure approved because they already ran hard credit check on me without my permission they said yes. Later after submitting documents they didnt call so I called and they said they couldn't approve my loan due to debt to income ratio. Now I knew this about my credt already that is why I verified approval. I spoke to the woman at one main financial and let her know that their process was deceiving and also dinged my credit when I was not even asked if they could do a hard credit check. They should of said I was pre-approved and did maybe a soft inquiry with my permission and asked again after that if I wanted to proceed and do a hard check. This was very deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/year>, my credit union ( XXXX XXXX XXXX XXXX ) issued a payoff check to satisfy my auto loan with XXXX XXXX Before sending the payoff, I contacted Nissan-Infiniti LT directly and was told by their representative that I could send the payoff check directly to them instead of processing it through the dealer. 
I relied on this information in good faith. 
However, XXXX XXXX later rejected the payoff check and returned it to XXXX XXXX without notifying me. 
This resulted in : The payoff not being applied XXXX months of falsely reported late payments An increased payoff amount Negative impact on my credit score Financial damages from fees and interest I did not know the payment had been rejected because I was explicitly told I could send it directly, and no one notified me that the check was returned. 

This situation violates : FCRA ( inaccurate and misleading credit reporting ) FCBA ( failure to properly handle a payoff transaction ) UDAAP ( unfair, deceptive, or abusive acts/practices ) Florida negligent misrepresentation laws XXXX XXXX provided incorrect instructions, mishandled the payoff, failed to notify me of the return, and reported me late for an error they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: NV

Complaint narrative:
i needed a small loan to cover an upcoming withdrawal, so i used albert. unbeknownst to me, since i get direct deposit ss, they REDIRECTED my ss to themselves. after getting the alert from ss i immediately contacted Albert. I was told i could do nothing until the loan was paid off. so today i paid it off and wanted to disconnect all bank accounts from their app, and could not, so i messaged them and was given instructions ( telling me to go to the help menu and hit " deactivate or close my account '' that did not exist on their app or website. 
( I screen recorded the entire actions and convo ). i asked to be able to remove my bank account and ss direct deposit authorization and they said they could cancel my account for me. I stipulated again that I need to be able to remove ALL of my data and banking information before doing so and asked how to do this. They told me they did not have any dd hold on my ss benefits, so i sent them a screen shot from the ss website proving that there bank ( stride bank ) had a pending hold and I asked that i get this released. They kept insisting THEY did not have a redirect on my ss and said to reach out to ss directly. 
they then told me to uninstall the app and reinstall, which i refused to do since i figured they were going to d something shady, and sure enough, when i opened the site up on my laptop, i was locked out. when i brought this to their attention, they ceased communication with me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
After disputing, Equifax continues to report accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. XXXX ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents with each account listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
My ex husband, who has now moved back to XXXX, used my name to open accounts without my permission. I didnt know about any of this until I received a collection letter for something I knew nothing about. I need these fraudulent accounts removed from my credit asap, my ex husband has destroyed my credit as well as left me with the financial burden of our children while providing no support to me. Please remove this from my report right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
My ex husband, who has now moved back to XXXX, used my name to open accounts without my permission. I didnt know about any of this until I received a collection letter for something I knew nothing about. I need these fraudulent accounts removed from my credit asap, my ex husband has destroyed my credit as well as left me with the financial burden of our children while providing no support to me. Please remove this from my report right away.

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 2025-11-21 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: NY

Complaint narrative:
Dear Equifax, I am reaching out to request a thorough review and correction of the following discrepancies in my credit report. Below are the accounts I dispute, which I believe to be inaccurately reported : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
Could you re-evaluate this entry? It may have issues due to being completed late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint because XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reporting an account as a charge-off/collection, even though this account was paid in full and satisfied. This is inaccurate and misleading information that violates my rights under the Fair Credit Reporting Act ( FCRA ). 
The account should reflect a paid status with no outstanding balance, not a derogatory status such as charge-off or collection. Reporting a paid account as a charge-off is false and damaging to my credit profile. I have disputed this with the credit bureaus, but the incorrect status remains.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate information. Continuing to report this account as a charge-off after payment is a clear violation of this law.

THIS IS HOW I HAVE BEEN VIOLATED : False Reporting : Paid account incorrectly marked as charge-off/collection. 
Failure to Correct After Dispute : Despite disputes, the inaccurate status remains. 
Violation of FCRA : Failure to maintain accurate and complete reporting.

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 2025-11-21 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:
I am submitting this complaint because TransUnion is reporting several charged-off accounts and multiple inquiries that I believe are inaccurate or not properly verified. I attempted to dispute these items with TransUnion, but they remain on my report without proper explanation. I am asking for the CFPBs help to ensure a full and fair reinvestigation. 

The disputed items on my TransUnion report are : CHARGED-OFF ACCOUNTS XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXXXXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX XXXX : XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I believe these accounts contain inaccuracies and require verification. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX I do not recognize these inquiries and request documentation showing permissible purpose. 

I request that TransUnion provide proper validation for each item or delete anything that can not be fully verified.

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 2025-11-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I bought this gift card from XXXX  but I cant even use it anywhere, every time I try to pay for something it doesn't authorize the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-21 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: NC

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I recently disputed Advance America for incorrect information on my account in total on XXXX separate occasions. I was being harassed for payments they claimed to have not received even after I provided proof that indeed the payments were made. My checking account was charged XXXX different times in the same day for amounts I do not owe. I no longer have overdraft due to this nor can I no longer use my checking accounts to pay bills being items were returned due to my account being overdrafted by these people. I submitted in writing to not be contacted being overwhelmed by their actions. I am still being contacted and having inaccurate information reported to my credit report This debt collector continued to contact me by phone/email/text after receiving my written cease-communication request, violating FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ). I am requesting enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This company is reporting inaccurate and conflicting information. The debt was paid, but the account is still reporting in a way that makes it appear owed or active. I requested accurate reporting and documentation, and the company did not provide it. Under FCRA 623 ( a ), furnishers must report complete and accurate information. I am asking for a full reinvestigation and correction or deletion due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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