vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax XXXX  for unlawfully re-inserting previously deleted collection accounts from XXXX XXXX XXXX, and for allowing duplicate and inaccurate reporting by the original creditors XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX, XXXX  who sold the debts but continue to report active balances. Texas XXXX report XXXX XXXXXXXX Between XXXX  XXXX, XXXX, Equifax deleted multiple XXXX XXXX XXXX collection accounts following an investigation. My XXXX XXXX Equifax report confirmed each XXXX account as Closed during this period. However, within days, Equifax reinserted the same XXXX XXXX XXXX accounts without any written notice or certification of accuracy, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). In addition, the original creditors XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have continued to report outstanding balances on these same accounts even after selling the debts to XXXX XXXX. This creates duplicate and conflicting data across my credit file, misrepresenting my liability and inflating my debt utilization for debt that was not validated under FCRA and FDCPA standards ad regulations Under the FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting inaccurate information, and under 607 ( b ), Equifax is required to maintain the maximum possible accuracy of information in consumer files. By continuing to publish both the sold accounts and XXXX  duplicates, XXXX  and these furnishers are jointly in violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes
a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-25 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: CA

Complaint narrative:
Dear Sir/Madam, I am disputing certain accounts on my Experian credit report as I believe that the reported information is inaccurate. Below are the specific accounts and details : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$80.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XX/XX/year>, I missed XXXX payments on my XXXX line of credit and became XXXX days past due. After that, XXXX offered me a repayment plan of {$100.00} per month. I accepted and made consistent {$100.00} payments each month. My monthly statements show these payments and the balance decreasing ( see attached statements ). 
Despite being on an active repayment plan, XXXX continued to report my account as called due/accelerated, which is their internal code for collections. This continued for multiple months while I was making every required payment. This appears to be inaccurate reporting of collection status during a repayment arrangement. 
Eventually, I paid the account down to a {$0.00} balance. Instead of closing the account or updating the status to reflect that the debt was paid, XXXX reopened the line of credit, restored my full credit limit, and emailed me that I could borrow again. This combined the old delinquency with new borrowing and extended the negative reporting timeline, which appears to be improper re-aging under the Fair Credit Reporting Act. 
I have already disputed this with Experian and XXXX. I am requesting that CFPB review XXXX reporting practices, require them to provide correct documentation, and correct or remove the inaccurate reporting. My attached statements show the repayment plan, consistent payments, decreasing balances, the {$0.00} payoff, and the reopening of the account.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
In XX/XX/year>, I missed XXXX payments on my XXXX line of credit and became XXXX days past due. After that, XXXX  offered me a repayment plan of {$100.00} per month. I accepted and made consistent {$100.00} payments each month. My monthly statements show these payments and the balance decreasing ( see attached statements ). 
Despite being on an active repayment plan, XXXX continued to report my account as called due/accelerated, which is their internal code for collections. This continued for multiple months while I was making every required payment. This appears to be inaccurate reporting of collection status during a repayment arrangement. 
Eventually, I paid the account down to a {$0.00} balance. Instead of closing the account or updating the status to reflect that the debt was paid, XXXX  reopened the line of credit, restored my full credit limit, and emailed me that I could borrow again. This combined the old delinquency with new borrowing and extended the negative reporting timeline, which appears to be improper re-aging under the Fair Credit Reporting Act. 
I have already disputed this with XXXX  and XXXX. I am requesting that CFPB review XXXX reporting practices, require them to provide correct documentation, and correct or remove the inaccurate reporting. My attached statements show the repayment plan, consistent payments, decreasing balances, the {$0.00} payoff, and the reopening of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a formal dispute on XXXX identifying multiple inaccuracies in the account data furnished by Bank of America , N.A . to the nationwide consumer reporting agencies. The inaccuracies included incorrect open date, high credit/credit limit, last reported date, date last active, and date of last payment. 

Bank of America responded with generic verifications but failed to address the specific factual errors or provide original documentation verifying the data. Under 15U.S.C. 1681s2 ( b ), furnishers are required to conduct a reasonable investigation, review all relevant information, and correct or delete any information that is inaccurate or unverifiable. 

To date, Bank of America continues to report materially inaccurate and unverified information, which is adversely affecting my credit profile. I am respectfully requesting that Bank of America either : Provide full documentary proof substantiating the accuracy of the reported information ; or Immediately delete the tradeline from all consumer reports if such proof can not be produced. 

Their continued noncompliance constitutes violations of 15U.S.C. 1681s2 ( b ) ( 1 ) ( A ) ( E ).

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 2025-11-25 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:
I am disputing several items on my Equifax credit report that I believe are inaccurate or unverifiable. I request that these accounts be investigated and corrected or removed : Charged Off Accounts in Dispute : XXXX  Account XXXX XXXXXXXX, XX/XX/XXXX, {$1600.00} XXXX Account XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} XXXX Account XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX  Account XXXX XXXX XXXXXX/XX/XXXX, {$3300.00} Late Payments in Dispute : XXXX Account XXXX XXXXXXXX Please verify these accounts and remove or correct any information that can not be verified. This request is made under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
I.dint know this company for sure and don't recall any loanes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoSmart  Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX my vehicle twice to force a modification doubling balance to {$29000.00}. Refused original contract. Demand letter sent for full ~ {$5500.00} refund ( down payment + monthly ) or treble damages, tradeline deletion, and voluntary surrender. Violations of TILA and unfair practicesplease mediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to a Truist Bank branch to open a checking account. I was told by the representative that they could not open an account for me because of an account I had with either XXXX XXXX XXXX XXXX  or Suntrust Bank in which they suffered a loss of {$200.00}. I was not provided any other information or documentation regarding the alleged debt and was not given an option to resolve the alleged debt.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I sent a {$500.00} payment through Cash App to the user XXXX XXXX XXXX ( XXXX XXXX ). This payment was for painting services based on her representation that she was a professional painter. 

Immediately after receiving the deposit, the recipient did not perform any services, did not show up to complete the job, and began giving inconsistent explanations. She later admitted in writing that she : Used my money to pay for a flight, Gave {$170.00} of my {$500.00} to an unauthorized XXXX  XXXX  named XXXX, Did not purchase any paint or supplies as she claimed, Did not have my money anymore, And refused to refund me despite providing no services. 

I submitted screenshots and evidence of these admissions to Cash App XXXX. 

Cash App reviewed my case and denied my fraud claim, stating that the payment was completed and therefore could not be reversed. However, my consent was obtained through fraudulent misrepresentation, and the funds were clearly misused and diverted, which voids any authorization under the XXXX XXXX Transfer Act ( Regulation XXXX ). 

This is not a simple peer-to-peer dispute. It is a clear case of : XXXX, Misrepresentation, Theft by deception, And unauthorized use of funds by the recipient. 

Cash Apps response did not address any of the documented evidence of fraud, nor did they provide details of a reasonable investigation as required under federal law. 

I am requesting that the CFPB require Cash App to : Reopen and properly investigate the dispute as a fraudulent transaction, Refund the {$500.00} obtained under false pretenses, and Provide documentation of the investigation steps they claim to have taken. 

I have supporting screenshots showing the recipients written admissions and Cash Apps refusal to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion Equifax, Experian to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law suite for failing to properly investigate my dispute!! the acoounts disputed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in 10 business days thank you. Also ive been a victim of credit bureau data breach.15U.S, Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) this account is in violation any credit transactions supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of the FCRA reporting falsely. YOU AS A FIDICUARY I APPOINT YOU TO DO YOUR JOB AND DELETE THE NAME FRUADULENT INFORMATION FROM MY CONSUMER CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion Equifax, Experian to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law suite for failing to properly investigate my dispute!! the acoounts disputed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in 10 business days thank you. Also ive been a victim of credit bureau data breach.15U.S, Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) this account is in violation any credit transactions supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of the FCRA reporting falsely. YOU AS A FIDICUARY I APPOINT YOU TO DO YOUR JOB AND DELETE THE NAME FRUADULENT INFORMATION FROM MY CONSUMER 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 explanation
Consumer complaint received 2025-11-25 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:
I am submitting this dispute to address the inaccuracies and incomplete reporting on my credit report under Equifax. Below are the disputed accounts : Charged Off Accounts : XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$210.00} XXXX  XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$130.00} XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$140.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$320.00} XXXX XXXX  XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$240.00} XXXX  - Account Number XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$76.00} UNAUTHORIZED - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$7100.00} XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
( XXXX XXXX XXXX name : Affirm Inc.. 

Amount : {$680.00} Account was open on XXXX  XXXX. 


( XXXX ) Company name : XXXX XXXX XXXX Amount : {$1200.00} Account was open on XXXX  Account XXXX XXXX  ( XXXX ) Compay name : Affirm Inc Amount {$170.00} Account was open on XXXX  Account XXXX XXXXXXXX ( XXXX ) company name : XXXX XXXX XXXX  XXXX {$2600.00} Account was open on XXXX  Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief