vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Purchased car insurance using PayPal Credit Card in the amount of {$760.00}. Prior to purchase, received and screenshot from website, information about using the card to make purchases and how all credit card purchases online or off would be covered under the 6 month no interest if the amount is over {$140.00}. Company refused to stand by its advertising.

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I financed a XX/XX/XXXXXXXX ( last XXXX digits of XXXX XXXX ) with American Credit Acceptance , LLC. Despite my formal dispute of the account and repeated requests for validation, the lender failed to provide any documentation. 
During this unresolved dispute, my vehicle was repossessed by XXXX XXXXXX/XX/XXXX This repossession occurred without proper validation and during an active dispute, which constitutes a violation of federal and state consumer protection laws. 
I am requesting that the CFPB investigate this matter, ensure compliance with applicable lending regulations, and assist in the return of my vehicle and title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
opened XXXX XXXX changed off XX/XX/year> start XXXX end XXXX I send in a letter with all my identification and proof that the debt is not mine and then I put in a CFPB report and then I send in other letter with the FTC report and the informant they asked for and I put in other CFPB report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this disp
ute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CHERRY TECHNOLOGIES INC.
State: SC

Complaint narrative:
I am writing to formally notify you of a serious issue regarding the reporting of my account XX/XX/XXXX to XX/XX/XXXXand other credit reporting agencies. 
As of XX/XX/year>, my credit report reflects the following : - Account Status : Closed Charge Off - Payment Status : Past Due {$2000.00} - Balance Owed : {$2000.00} - Payment Amount : {$0.00} This reporting is inaccurate and unlawful. Once an account has been charged off, the creditor is prohibited from continuing to report a balance owed as if it were collectible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information may not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, continuing to report a balance on a charged-off account constitutes false and misleading credit reporting and exposes your company to liability. 
Their actions have already caused measurable harm. On XX/XX/year>, the re-reporting of this {$2000.00} balance caused my credit score to drop XXXX points. This constitutes damages for which I may seek relief in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
Prohibited Reinsertion of Fraudulent Account, Lack of Authorization, and Permissible Purpose Violations/ Failure to Provide Wet Signature Legal Documents or Valid Photo ID. 
Victim of XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) I, XXXX XXXX, demand arbitration pursuant to any applicable arbitration agreement and assert my rights under federal law and the laws of the State of North Carolina regarding the unauthorized reinsertion of a previously disputed and removed account on my XXXX XXXXXXXX credit report XXXX The following accounts were previously investigated, disputed, and removed from my credit report after verification confirmed inaccuracies : a ) XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$8300.00} b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX : Balance {$1400.00} c ) XXXX XXXX XXXX XXXX  : Opened XX/XX/XXXX : Balance {$2600.00} These accounts were improperly reinserted into my credit file without proper verification, documentation, or legal authorization.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Accidentally sent the money to the wrong person on my Cash app notified them immediately and ask for a refund back. Got no response called Cash app asked them what I should do to get this money back. They said there was nothing they could do to help me. I know that I cant be the first person that has accidentally hit the wrong name on the Cash app. There has to be a way to fix this. Theyre saying theres no way I can get my {$300.00} back unless that person is willing to return it. I asked if they could send him a notice. They said they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This cards that the company is trying to collect for was included in bankruptcy filings 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for 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 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding a 30-day late payment that was incorrectly reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) following an auto accident on XX/XX/year>. 

On XX/XX/year>, I spoke with the XXXX XXXX adjuster, XXXX, who instructed me not to make a payment because the insurance payout was being finalized. She explained that making a payment could interfere with the settlement amount. I followed her instructions. 

My payment was due on XX/XX/year>. The insurance payout was not processed by XXXX until XX/XX/year>, which caused the system to mark my account as 30 days late. XXXX then reported the late payment on XX/XX/year>, causing my credit score to drop from approximately XXXX to XXXX across all bureaus. 

I am disputing this late payment because : I acted based on the instructions given by the insurance adjuster. 

The delay was entirely caused by the insurance payout process, not by any failure or negligence on my part. 

XXXX did not provide accurate information regarding how the insurance payout would affect the payment timeline. 

This reporting does not reflect my true payment behavior. 

I am requesting the CFPB to require CAFCU to : Remove the 30-day late payment from my credit reports with all credit bureaus. 

Update the account to show Paid on time for the month of XX/XX/year>. 

Provide a written explanation for why the late payment was reported when I followed the instructions given by the insurance adjuster handling the claim. 

This incorrect late payment has caused significant and unfair damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a XXXX late payment that was incorrectly reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) following an auto accident on XX/XX/year>. 

On XX/XX/year>, I spoke with the XXXX XXXX adjuster, XXXX, who instructed me not to make a payment because the insurance payout was being finalized. She explained that making a payment could interfere with the settlement amount. I followed her instructions. 

My payment was due on XX/XX/year>. The insurance payout was not processed by XXXX until XX/XX/year>, which caused the system to mark my account as 30 days late. XXXX then reported the late payment on XX/XX/year>, causing my credit score to drop from approximately XXXX to XXXX across all bureaus. 

I am disputing this late payment because : I acted based on the instructions given by the insurance adjuster. 

The delay was entirely caused by the insurance payout process, not by any failure or negligence on my part. 

XXXX did not provide accurate information regarding how the insurance payout would affect the payment timeline. 

This reporting does not reflect my true payment behavior. 

I am requesting the CFPB to require XXXX  to : Remove the 30-day late payment from my credit reports with all credit bureaus. 

Update the account to show Paid on time for the month of XX/XX/year>. 

Provide a written explanation for why the late payment was reported when I followed the instructions given by the insurance adjuster handling the claim. 

This incorrect late payment has caused significant and unfair damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IL

Complaint narrative:
Ive noticed inaccurate accounts are reporting to my credit file

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 2025-11-23 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: IL

Complaint narrative:
Ive noticed inaccurate accounts are reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I found a collections account on my credit report. I had to dig through text messages to find what I had assumed was a spam text to find what it was even about. They did not send me a letter in the mail. They did not e-mail me. Im still not 100 % sure that text wasn't a scam but I paid it because I need this off my credit report. I had made a recent payment on the account that was put into collections. Then I logged in to finish paying it it said I owed XXXX. I don't understand how or why this happened. 

Collection agency : Credance Original account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I am a XXXX XXXX affected by the shutdown. I notified the company and they said they would work with me and allow time to get it paid once it reopened. The government was shut down for over a month. 

They reported later fees and I informed Experian and they did not do a proper investigation they resolved with no changes in 1 day

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA Date : XXXX, XXXX, XXXX Sent via Certified Mail, Return Receipt Requested To : Investment Retrievers XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX Re : Account / Reference No. : XXXX Amount Claimed : {$2500.00} Date Allegedly Opened : XX/XX/XXXX Subject : Formal Request for Debt Validation and Dispute under 15 U.S.C. 1692g and 1681 To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt and to request full validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation to verify the alleged debt : 1. The amount of the alleged debt, itemized by principal, interest, fees, and any other charges.

2. The name and address of the original creditor and the original account number.

3. A copy of any signed contract or agreement showing my responsibility for the debt.

4. A complete payment history detailing how the balance of {$2500.00} was calculated. 
5. Proof of your authorization to collect on this account, including documentation showing the chain ofassignment or ownership from the original creditor to Investment Retrievers INC.

6. Proof of your license to collect debts in my state, if required.

7. If applicable, a copy of any judgment and the court case number. 
Until full and complete validation is provided, you must cease all collection efforts and stop reporting this account to any consumer reporting agencies. If you continue to report it, you must mark the account as disputed as required by the Fair Credit Reporting Act, 15 U.S.C. 1681.

This letter is not a refusal to pay, but a formal dispute and request for verification under federal law. Once you provide proper documentation, I will review it and respond accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation