vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DigniFi
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Dignifi XXXX XXXX XXXX, UT XXXX Formal Complaint Regarding Incorrect Payoff Balance and Resulting Account Default To Whom It May Concern, I am writing to formally dispute and address a serious issue regarding the inaccurate payoff balance provided by Dignifi for Loan # XXXX. On XXXX, I paid the exact payoff amount required to fully satisfy the loan. The website provided a payoff balance which I paid in full, relying on the accuracy and integrity of the information supplied. 

Despite fulfilling the quoted payoff amount, I was later notified that additional funds were owed. I was never informed of any discrepancy or remaining balance until after my account was reported as past due and ultimately placed in default. As a direct result of this misinformation, my credit score has been negatively impactedan outcome that could have been avoided had the correct payoff amount been provided initially. 

This situation has caused significant frustration, financial harm, and reputational damage to my credit history. I fully expect Dignifi to take responsibility for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I am filing this complaint because the credit reporting agencies Experian, Equifax, and TransUnion are reporting multiple inaccurate and unverifiable accounts on my credit file, including a bankruptcy that does not belong to me. I have disputed these items several times and have requested verification in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which requires the bureaus to conduct a reasonable investigation within 30 days.

Despite my repeated requests, the bureaus have failed to properly investigate or remove the accounts, and they continue to furnish and publish false information in violation of 1681e ( b ) ( failure to maintain accuracy ) and 1681s-2 ( a ) ( furnishing inaccurate information ).

I have mailed and electronically submitted formal dispute and cease-and-desist letters to all three credit bureaus, and I have clearly stated that I have no connection to the reported bankruptcy or several of the accounts listed. I also requested deletion of unauthorized inquiries and correction of my address, which remains incorrect on multiple reports. 

These actions have caused financial harm and emotional distress, including denial of credit and higher interest rates due to inaccurate reporting. I am seeking immediate correction, deletion of unverifiable items, and confirmation that my file has been updated accordingly.

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 2025-10-23 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: 4M Collections, LLC
State: CA

Complaint narrative:
Re : Account Number - XXXXXXXX XXXX XXXX XXXX XXXX  Demand for Immediate Removal of Invalid Debt from Credit Reports and Cease All Collection Activities Final Warning Before Legal Action Dear [ Collection Agency Contact or " Sir/Madam '' ] : This letter serves as my formal follow-up demand regarding the alleged debt referenced above. On [ date of original letter ], I sent you a written request for validation of this debt pursuant to Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I specifically requested the following documentation to verify the validity and accuracy of the claimed debt : An explanation of what this alleged account balance is for. 
A complete audit trail calculation of this balance, including the complete payment history on this account. 
Documentation showing my agreement to pay this debt with my signature, and proof that I authorized you to possess my information and report it to my credit reports. ( Note : Unauthorized use of my personal information, including my Social Security number, constitutes identity theft under federal law. ) The agreement granting you authority to collect on this alleged debt. 
A copy of your state license, including license number, authorizing you to collect debts in my state. 
The purchase agreement. 
A sworn statement under penalty of perjury that you were present during the alleged debt incurrence. 
Proof of chain of custody for the account to ensure proper financing and transfers. 
The master bill of sale. 
Your response, dated [ date of their response ], failed entirely to provide any of the requested validation materials. Instead, you offered vague or incomplete information that does not satisfy the legal requirements under the FDCPA. This is a direct violation of your obligations as a debt collector. Under FDCPA 1692g ( b ), upon receipt of a timely validation request, you are required to cease all collection activities until you mail verification of the debt to the consumer. Your continued reporting of this unvalidated debt to credit reporting agencies ( CRAs ) such as XXXX, XXXX, and XXXX constitutes ongoing collection activity in blatant disregard of the law. 
Furthermore, by reporting and maintaining inaccurate, unverified information on my credit reports, you are violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681s-2 ( b ), which requires furnishers of information to investigate disputes and correct or delete inaccurate data. 
Your failure to validate the debt after my request means this entry is presumptively inaccurate and must be removed immediately. Continuing to report it without proper validation exposes you to liability for willful noncompliance, including statutory damages, actual damages, punitive damages, and attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my consumer credit profile and I noticed that there were several inaccurate and incomplete items/accounts that are being reported. These inaccuracies are in direct violation of my consumer rights because they DO NOT meet the requirements of assuring maximum possible accuracy and completeness as stated in the FCRA 15 USC 1681e ( b ) and they also violate my consumer right to privacy [ 15 U.S.C 1681 section 602 A ]. In the past months, I have requested investigations but I have not seen any proof that they were done according to the guidelines of the FCRA. This is another request for another re-investigation of these inaccurate items/accounts immediately. This investigation should include but should not be limited to : account numbers, open/closed dates, account types, payment summaries, account status, original balances, highest balances, past due amounts, credit usage, monthly payments, terms, hard inquiries, addresses, names and date of birth.If they are not found to be reporting as 100 % complete and accurate, DELETE these items/accounts. You have 30 days to complete this investigation according to federal law15 USC 1681i ( a ) ( 1 ) ( A ). Below are the items/accounts that I have found to be incomplete and inaccurate. As stated, delete them if they are found to be reporting inaccurate and incomplete. You have been put on notice that these accounts are reporting inaccurately. 

XXXX XXXX XXXX XXXX  accnt # XXXX XXXX XXXX accnt # XXXXXXXX XXXX XXXX accnt XXXX XXXX XXXX XXXX accnt # XXXX XXXX accnt # XXXX XXXX XXXXXXXX accnt # XXXXXXXX XXXX XXXX XXXX XXXX XXXX accnt # XXXX XXXX XXXX  accnt XXXX XXXX -XXXX  accnt # XXXXXXXX XXXX XXXX accnt # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am writing to formally request a review and removal of negative information associated with my closed credit card account. This account has been closed for some time, yet it continues to reflect late payments and negative reporting that no longer represent my current financial situation or responsibility. 

During the period when those late payments occurred, I was facing financial hardship due to personal and medical circumstances that temporarily affected my ability to meet payment deadlines. Since then, my situation has stabilized, and I have worked diligently to improve my financial health and maintain a positive credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information FCRA Violations & Data Breach Notice Dear Experian Dispute Department, I am formally disputing the accuracy, completeness, and legality of the following accounts being reported on my Experian credit file. These tradelines are either inaccurate, unverifiable, outdated, or furnished in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and Metro-2 Compliance Standards. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$56.00} Collection, inconsistent Date Opened and Date Last Active. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX, multiple and conflicting reporting statuses. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX, contradictory and unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX, no validation from furnisher. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX ; lacks permissible purpose verification ( XXXX ). 
XXXX. XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX, inaccurate date activity ; unverifiable balance. 
XXXX. XXXX XXXX XXXX / XXXX XXXX {$1400.00} XXXX, continuing to report after dispute ( 623 ( a ) ( 3 ) ). 
XXXX. XXXX XXXX XXXX {$60.00} XXXX, duplicate reporting and unverifiable payment history. 
XXXX. XXXX XXXX XXXX XXXX {$8500.00} XXXX & XXXX, no proof of lawful deficiency balance ( 609 ( a ) ( 1 ) ( A ) ). 
XXXX. XXXX XXXX {$1300.00} XXXX, duplicate reporting across bureaus. 
XXXX. XXXX XXXX XXXX {$1400.00} XXXX from XXXX  ; obsolete and should have been purged ( 605 ( a ) ( 5 ) ). 
XXXX. XXXX / XXXX {$110.00} XXXX, inconsistent balance coding. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid collection still marked derogatory ; misreporting under Metro-2. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Paid/Closed account incorrectly showing late history ( 607 ( b ) ). 
XXXX. XXXX XXXX XXXX account still coded as charge-off ; incomplete and misleading.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a business loan through XXXX and I became aware that an BMW auto loan/lease had been approved and processed using my personal information.Then it got XXXX in XXXX of XXXX. I had no prior knowledge of this transaction, did not visit the dealership, and never authorized any lease loan application or vehicle purchase. After further investigation, I confirmed that BMW was the initiating party behind this fraudulent activity. The fraudulent action has not only caused me significant emotional distress, but also has threatened my credit history and financial integrity. I have taken the following steps since discovering the fraud. I filed a police report and submitted a fraud alert with major credit bureaus XXXX, XXXX and XXXX XXXX. 

Date opened : XX/XX/XXXX Amount {$130000.00} Name : XXXX XXXX XXXX XXXX Lease Account # XXXX VIN # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
Hard inquiries accounts on my credit reports does not have permissible Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 2025-10-23 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: PA

Complaint narrative:
I am filing this complaint because I have discovered multiple collection accounts and hard inquiries on my credit report that I did not authorize and/or that are being reported inaccurately. These items are negatively affecting my credit profile and do not reflect my actual credit activity or payment history. The collection accounts and inquiries in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission and disputed these items directly with the credit bureaus. Despite this, the information remains on my credit report. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide proper documentation validating my authorization for these accounts and inquiries. I am requesting that these items be permanently deleted from my 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted all requested identity verification documents to Experian after speaking with a live agent. My account remains locked, and I can not access my credit report. Their phone system prevents me from reaching a representative. I need immediate restoration of access to my account. This ongoing issue violates my rights under the Fair Credit Reporting Act to access and review my credit information!

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