vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Account opened XX/XX/XXXX, original balance {$1000.00}. 

Credit reports show the account was charged off in XX/XX/XXXX and {$1000.00} written off. 

Despite the full write-off, the tradeline continues to show a {$200.00} past due balance as of XX/XX/XXXX. 

Reporting both a full charge-off/write-off and a remaining past-due balance is inaccurate and misleading. 

I disputed this information through XXXX  letting MoneyLion Inc. know they had 30 days to respond and fix the issue. They have responded an have updated my report but all they did was update the dates. They are reporting this as a XXXX XXXX, and showing they have written off {$1000.00}. That is the full amount of the debt. However, they are also reporting a balance of {$200.00}. So they are reporting a XXXX XXXX which affects my credit score, and also still reporting a debt which affects my credit score again. I have my certified mail slip to prove that my dispute was received and they have even listed this item has been updated from our processing of your dispute in XX/XX/XXXX yet they are still reporting false or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I reviewed my credit report on XXXX  and noticed XXXX student loans from Aidvantage that are still showing balances and as open. My loans were serviced at Aidvantage but transferred to XXXX. They have all been paid off through XXXX. I disputed both accounts on XXXX  and they performed an investigation and the result of the investigation shows that the information was verified. This is incorrect. I have my XXXX data that shows that all accounts are closed and paid off. I tried calling Aidvantage to verify my account information and an automated system was able to tell me that I have no balance. I requested a representative to get more information and was instead connected to a survey on the representatives performance. I was never connected with a representative and unable to connect with one after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 explanation
Consumer complaint received 2025-09-17 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: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments on and also have auto pay which the payments automatically are drafted from my bank account monthly. Consumer reporting agencies play a crucial role in accurately reporting consumer information,. It is imperative that the this information be reported with utmost accuracy. I am an XXXX veteran and I am due to close on my home on the XXXX of XXXX. I was told by the XXXX  lender that I would not qualify for the loan unless the late payments were removed from my credit report that are currently improperly being reported. This would leave me and my family homeless and without a place to live as I was living short term with family. I work very hard and honor my credit obligations closely and have never missed a payment nor been late on the following XXXX XXXX XXXX XXXX ; Account # XXXX. I request a thorough and expedited investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC
State: RI

Complaint narrative:
In XX/XX/year>, I discovered that Acima Credit approved a lease in my name that I did not authorize. The lease amount was over {$4000.00} and listed a merchant called XXXX XXXXXXXX XXXX XXXX XXXX XXXX I personally visited that business and confirmed with the owner that they do not work with Acima or offer leasing. This suggests Acima sent funds to a fraudulent merchant account impersonating a legitimate business, while also approving a lease under my stolen identity.

Acimas systems processed an initial payment using a debit card that does not belong to me. I never authorized this account. Despite notifying Acima, their fraud department has been difficult to work with they do not allow consumers to speak with anyone directly by phone, and communication has been limited to email. This creates unnecessary delays in resolving fraud that has serious consequences for consumers. 

This case highlights Acimas inadequate identity verification, weak merchant screening, and poor consumer support. These practices expose consumers and small businesses to fraud and risk harming credit reports. I am asking the CFPB to hold Acima accountable for improving fraud prevention, merchant verification, and consumer support practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am extremely frustrated to see that these incorrect late payments are still listed on my credit report this morning. Even after refreshing the page, nothing has changed. I urgently need the documents I submitted to be reviewed carefully so that I can finally stop stressing over this.

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 2025-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
What happened : On XX/XX/year>, Speedy Cash marked my loan # XXXX {$300.00} past due and flagged an unsuccessful payment. My identity/records were fraudulently misclassified as retired, suppressing access to mainstream credit and leading to reliance on payday loans. 

Why this violates the law : Threatening derogatory reporting and adding fees without proper debt validation violates FDCPA ; furnishing or threatening to furnish inaccurate data violates FCRA ; leveraging late-fee cycles against a vulnerable XXXX veteran is unfair/abusive ( UDAAP ). 

What I want : Require debt validation, suspend derogatory reporting until fraud is resolved, and investigate Speedy Cashs servicing/collection practices ( including reversal of fees tied to the fraud-driven situation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Response to Consumer Financial Protection Bureau Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Response to Collection Agency Attempt to Collect Discharged Debt Account : LVNV Funding  / XXXX XXXX Bank ( Included in XXXX  Bankruptcy ) To Whom It May Concern, I, XXXX XXXX, am responding to the recent notice regarding the above-referenced account that LVNV Funding and its affiliate Resurgent Capital Services are attempting to collect. This debt was legally discharged as part of my XXXX  XXXX bankruptcy in XXXX. As such, any attempt to collect or report this debt is a direct violation of federal law. 

Pursuant to 11 U.S. Code 524 ( a ) ( 2 ), the discharge of debt under a bankruptcy case operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor. Further, under the Fair Credit Reporting Act ( 15 U.S. Code 1681c ( a ) ( 1 ) ), bankruptcies older than seven years may not be reported by consumer reporting agencies. Any continued reporting of this account constitutes an unlawful act.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), it is illegal for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt, including reporting a discharged debt as active or collectible.

I am formally requesting that LVNV Funding, Resurgent Capital Services, and the credit reporting agenciesXXXX, XXXX, and XXXXimmediately delete any reference to this account from my credit report and cease all collection activity. Failure to comply will leave me no choice but to pursue further remedies, including filing complaints with the CFPB and taking legal action for damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
Company failed to remove items from my report. They also failed to respond in the 4 days windows for identity theft and the 30 days window for investigations. 

See CFPB complaint # XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: CA

Complaint narrative:
XXXX, We have received a letter/email disputing certain information reported to consumer reporting agencies regarding the status of your account. We have reviewed our records and have determined that the attached letter constitutes a frivolous or irrelevant dispute under the Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ( 8 ) ), and therefore, an investigation is not required.

We have made this determination based on the following facts : We have a reasonable belief that the dispute has been submitted on your behalf by, or has been submitted on a form supplied to you by a credit repair organization, as defined in 15 U.S.C. 1679a ( 3 ), or an entity that would be a credit repair organization. 
If you would like us to further consider this dispute, please contact us at XXXX provide us with the following : Any new information regarding the account that has not been previously submitted. 
Sufficient information to identify the account that is in dispute, such as an account number, name, address, and telephone number. 
The specific information that you are disputing. 
An explanation of the basis for the dispute. 
Supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.

Regards, Kikoff XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation