vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
I am writing to dispute the following items on my credit report. Upon reviewing my report, I have found inaccuracies that I believe need correction. I kindly request that Equifax investigate and update these items accordingly. 

Disputed Accounts : Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Ally Financial related to an auto lease I co-signed for my father, XXXX XXXX. 

The Ally Financial account number is XXXX. The lease ended and the vehicle was returned. A small charge for windshield damage was sent to XXXX ( XXXX XXXX ) for collections under account number XXXX. 

In XX/XX/year>, XXXX confirmed in writing that the account was resolved after a {$930.00} payment was made toward a {$620.00} balance. Their letter dated XX/XX/year>, states : As of the date of this letter, our records indicate that your account is resolved. In the event that we are notified in the future that your payment was returned due to non-sufficient funds or was otherwise reversed or unpaid by your financial institution, this letter will be void. 

Despite this settlement and confirmation, Ally Financial continues to report the account as charged-off with a balance due to the credit bureaus. This incorrect reporting has remained for nearly XXXX years and has significantly harmed my credit score.

I have filed multiple disputes with XXXX  and provided documentation, including the XXXX settlement letter and proof of payment, but Ally has not corrected the information. 

I am requesting that Ally Financial : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written confirmation that the account is resolved in full and that no further balance is owed. 

I have attached a copy of the XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Creditor Name :XX/XX/XXXX Account Number : XXXX Date of late paymentXXXX Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. XXXX ( b ) ). The continuous monthly reporting of this late payment misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a late payment is XXXX years from the date of the initial delinquency ( 15 U.S.C. XXXX ( a ) ( XXXX ) ). 
Repeatedly reporting this late payment as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the late payment from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-11-10 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: VA

Complaint narrative:
I am submitting this dispute to correct inaccuracies on my credit report. I believe certain entries on my report are incorrect, and I am requesting that Experian investigate the following items and update my credit report accordingly. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$15000.00} Inquiries : XXXX XXXX XXXX XXXX Date Open : XX/XX/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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I have had an ongoing dispute with cashapp for months now. They continue to deny my disputes and yet approved others, that were all made during the same time frame of when my phone was stolen. XXXX of the transactions I recieved a temporary credit for were recently won and the payment was made permanent. I provided all of the proofs requested and necessary to provide full transparency in the events that occurred and how the transactions were not authorized by me. Yet, they keep denying my other disputes totalling to about {$400.00}. They refuse to help me and give me my refund even though ive provided them with substantial evidence in my favor... Today they sent me an email, stating that it was information I requested on how they came to the decision to deny my dispute and the evidence they use to help... except... they literally sent nothing more than a letter saying just that, and a list of the transactions I disputed.... like.... whhhhhhhattttt!?!? 
That shows nothing of doing any investigative work or looking into anything regarding these disputes! They literally did absolutely nothing but look at them and decide, nope.... and denied them. Meanwhile, I won the several other disputes. So clearly there was enough evidence since these transactions are in the same group as those. I keep trying to speak with them ... but they keep blowing me off with XXXX answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KY

Complaint narrative:
Request for Enforcement Action Inaccurate, Unverified Credit Reporting & Improper Reinvestigation I am filing this complaint because several furnishers and Experian continue to report inaccurate and unverifiable information on my consumer report, despite prior disputes. The accounts listed below have been updated or verified without any supporting documentation proving accuracy, which violates FCRA XXXX and XXXX ( a ) ( XXXX ) ( D ). 

These accounts include : XXXX XXXX BANK XXXX XXXX XXXXXX/XX/XXXX XXXX ) Failure to Conduct a Reasonable Reinvestigation I disputed these accounts with Experian. 
The results were returned as updated/verified, yet no documentation from the furnishers was provided to support the continued reporting. 
This constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( A ) because the reinvestigation was not meaningful. 

XXXX ) Reporting Inaccurate & Conflicting Information These accounts contain clear and measurable inaccuracies, including : Conflicting and duplicated month-to-month payment history reporting Balance increases after account closure Posting of late payments in months where no data/payment activity exists Settlement accounts still showing active delinquency history Changing delinquency dates without explanation Payment history that does not match the balance history This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Accuracy Obligations, which requires furnishers to report data that is complete and correct. 

XXXX ) No Validation Documentation Provided The furnishers and bureaus did not provide : Signed application/contract Payment ledger Itemized accounting System transaction notes Mailed delinquency notices Statements validating claimed late payments If information can not be substantiated, it must be corrected or removed under FCRA XXXX XXXX a ) ( XXXX ) ( D ). 

XXXX ) Harm Caused These inaccurate and unverified derogatory marks have caused significant harm through : Depressed credit scores Credit denial Higher insurance premiums Increased cost of credit This constitutes ongoing consumer injury due to willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: KY

Complaint narrative:
Request for Enforcement Action Inaccurate, Unverified Credit Reporting & Improper Reinvestigation I am filing this complaint because several furnishers and Experian continue to report inaccurate and unverifiable information on my consumer report, despite prior disputes. The accounts listed below have been updated or verified without any supporting documentation proving accuracy, which violates FCRA XXXX and XXXX ( a ) ( XXXX ) ( D ). 

These accounts include : XXXX XXXX BANK XXXX XXXX XXXXXX/XX/XXXX XXXX ) Failure to Conduct a Reasonable Reinvestigation I disputed these accounts with Experian. 
The results were returned as updated/verified, yet no documentation from the furnishers was provided to support the continued reporting. 
This constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( A ) because the reinvestigation was not meaningful. 

XXXX ) Reporting Inaccurate & Conflicting Information These accounts contain clear and measurable inaccuracies, including : Conflicting and duplicated month-to-month payment history reporting Balance increases after account closure Posting of late payments in months where no data/payment activity exists Settlement accounts still showing active delinquency history Changing delinquency dates without explanation Payment history that does not match the balance history This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Accuracy Obligations, which requires furnishers to report data that is complete and correct. 

XXXX ) No Validation Documentation Provided The furnishers and bureaus did not provide : Signed application/contract Payment ledger Itemized accounting System transaction notes Mailed delinquency notices Statements validating claimed late payments If information can not be substantiated, it must be corrected or removed under FCRA XXXX XXXX a ) ( XXXX ) ( D ). 

XXXX ) Harm Caused These inaccurate and unverified derogatory marks have caused significant harm through : Depressed credit scores Credit denial Higher insurance premiums Increased cost of credit This constitutes ongoing consumer injury due to willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OH

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 2025-11-10 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc.
State: CT

Complaint narrative:
Debt Collectors International ( DCI ) called a third partys phone today at XXXX XXXX  EST and left a voicemail identifying themselves as DCI while attempting to reach me about an alleged debt. This is a direct violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), which prohibits debt collectors from contacting or disclosing information to third parties about a debt. 

XXXX had already called me directly at my correct phone number aXXXX XXXX XXXX  before calling the third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate, unverifiable, or outdated information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is incorrect or can not be verified. 

I request that each of these items be investigated and removed from my credit report if they can not be fully verified with proper documentation. Please provide me with written confirmation of your findings once the investigation is completed. 

I have reached out to dispute the claims on my credit report from XXXXXXXX XXXX that they are not mine and I do not have any recollection of these reports and want them taken off my credit report immediately. There records on my credit report are not mine. 

Bank : XXXXXXXX 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because inaccurate and unverifiable information continues to be reported on my credit reports with the three major credit bureaus ( Equifax, XXXX and XXXX ). Despite my previous efforts to resolve these issues directly with the credit bureaus, the disputed accounts remain. I am requesting the Consumer Financial Protection Bureaus assistance to ensure these items are properly investigated, verified, or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Amount : {$3900.00} Status : Charged Off This account is over a decade old and should no longer be reporting based on the XXXX reporting limit outlined in the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Please verify the accuracy and date of last activity, or delete the account if it can not be verified as current and reportable. 

Disputed Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account XXXX be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account shows as a paid repossession, yet theres still language indicating there may be a balance due. That contradiction violates Metro 2 data accuracy standards. The lender can not claim the account is paid while simultaneously implying a remaining balance.

Ive requested documentation proving the accounts closure, the sale of the vehicle, and any deficiency details nothing has been provided. This repeated failure to validate violates FCRA 609 ( a ), 611 ( a ), and 623 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
Since XXXX of XXXX, when I received my new evaluation on my home, I have attempted to remove my escrow account despite as I have significant equity in my home, more than the 20 % required by the lender. I sent a letter in XXXX, have called no less than XXXX times to discuss this matter with various individuals at the company. It was not until I filed a Better Business Bureau claim on XX/XX/XXXX, against them where they stated, per investor guidelines, escrow deletion is solely based on the original value of the home. This was the first I heard this as the excuse to not remove my escrow account. I have requested these investor guidelines twice, once on XX/XX/XXXX and then again on XX/XX/XXXX. They have still not provided them. I have rejected their statements XXXX times on XXXX for not providing these guidelines and the XXXX has now closed the case. Im seeking the help of the CFPB to actually get these documents they continuously cite as the reason to hold my money hostage in an escrow account. I have also looked through all of their FAQs related to escrow and it make not one mention that they only use the original evaluation in their escrow determinations. This appears to be against consumer guidelines as I can not find these documents on my own anywhere. My home, like most homes, have gained massive equity since I purchased in XXXX. They would happily accept my new evaluation if I was requesting a Home Equity Line of Credit, but when it comes to making interest money off my escrow account, they refuse to remove the account. I have never missed a mortgage payment, have excellent credit, a stable job, and I can pay my own insurance/taxes. Please assist me in requiring the mortgage company, Newrez, in providing me these guidelines they continue to cite.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Business was notified consent to contact was revoked and advised to cease and desist all forms of communication, business ignored request and continues to violate my privacy! Business was notified that proof of assignment has not been provided and account does not belong to me! According to 15 USC 1681 c-2 & 1681 s-2, it is illegal to knowingly report inaccurate information on my credit. Remove this fraudulent information immediately!

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 2025-11-10 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: TX

Complaint narrative:
I am submitting this statement to dispute certain accounts that are inaccurately reported on my credit file. I request that these items be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the disputed accounts, separated by credit bureau : INQUIRIES EXPERIAN ( EX ) XXXX  Date Opened : XX/XX/year>

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