vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I am formally disputing late payments reported on the following accounts : XXXX XXXX XXXX The reported late payments are inaccurate because I was never notified of the payment due dates or any missed payments by the creditors. This lack of notice prevented me from addressing the situation and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically : FCRA 1681e ( b ) Credit data must be accurate and complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and responsibly.

FCRA 1681i ( a ) Unverified or incorrect information must be deleted after a dispute.

Ive requested that Equifax contact the furnishers. If they can not prove that notice was sent before reporting the delinquency, the late marks must be permanently removed. I expect written confirmation of the results within XXXX  days, per FCRA 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
The collector is XXXX XXXX XXXX Says the amount onto my credit score is XXXX but I dont know what it is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I was in a car accident on XX/XX/year>. The accident in which occurred I was not at fault for. The car was current and paid off by XX/XX/year>. That same day ACA American Credit Acceptance put a closed status on the account. 

The amount of {$8500.00} was paid in full. On XX/XX/year> I made a dispute with my credit bureau stating that the account was closed and the car was paid in full. 

On XX/XX/year> ACA reported that my account was delinquent with a {$0.00} balance when the account is closed. Because of this my score that was originally XXXX decreased XXXX points and I am now at a XXXX which makes it a bit harder when trying to gain a new vehicle after this one was initially paid out. 

The report for my account was inaccurate and illegal. 

If something is not done within your agency, I will file a federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I mailed a formal dispute and debt validation request to the company via certified mail. As of today, I have not received any valid response, documentation, or proof of alleged debt. The company has failed to provide : A copy of the original signed agreement. 
Itemized billing history or balance Proof of ownership and the legal right to collect Verification that the reporting is accurate and compliant with FCRA.

The account remains on my credit report, and in some cases, two different companies, original creditor and collector are reporting different balances at the same time. This a clear violation of my rights under the FCRA and FDCPA, and I am requesting immediate investigation, removal of the unverifiable item, and enforcement action if appropriate. 
Instead on XX/XX/year> I received a generic letter from XXXX acknowledging the inquiry but providing no validation, no original signed agreement, and no supporting documents proving their right to collect the debt. This violates both FDCPA 809 ( b ) and FCRA 623 obligations. 

Furthermore this account is still be reported on my credit report, even though it has not been properly validated. To make matters worse, XXXX XXXX  is also reporting the same account, which causes conflicting and inaccurate data to be reported. This damaging my credit and is clear example of unlawful and unverified reporting. I am requesting this account be immediately removed from all credit bureaus due to failure to validate and inaccurate reporting. Please investigate and take enforcement action if necessary.

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 2025-07-13 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: GA

Complaint narrative:
On XX/XX/year> I mailed a formal dispute and debt validation request to the company via certified mail. As of today, I have not received any valid response, documentation, or proof of alleged debt. The company has failed to provide : A copy of the original signed agreement. 
Itemized billing history or balance Proof of ownership and the legal right to collect Verification that the reporting is accurate and compliant with FCRA.

The account remains on my credit report, and in some cases, two different companies, original creditor and collector are reporting different balances at the same time. This a clear violation of my rights under the FCRA and FDCPA, and I am requesting immediate investigation, removal of the unverifiable item, and enforcement action if appropriate. 
Instead on XX/XX/year> I received a generic letter from XXXX acknowledging the inquiry but providing no validation, no original signed agreement, and no supporting documents proving their right to collect the debt. This violates both FDCPA 809 ( b ) and FCRA 623 obligations. 

Furthermore this account is still be reported on my credit report, even though it has not been properly validated. To make matters worse, XXXX XXXX  is also reporting the same account, which causes conflicting and inaccurate data to be reported. This damaging my credit and is clear example of unlawful and unverified reporting. I am requesting this account be immediately removed from all credit bureaus due to failure to validate and inaccurate reporting. Please investigate and take enforcement action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I sent a letter of XXXX  to all XXXX credit bureaus about capital one informing them I didnt open this account I been XXXX  from XXXX, my XXXX XXXX not until XXXX. XXXX  is the only one not removing this fraudulent account. I talked to them a few times and keep submitting a dispute about this. They keep telling me capital one got to remove it .I informed them they keep reporting fraudulent info concerning my credit report. Whatever charges was made I couldnt have made them Im XXXX  .. Capital one didnt verify I open the account with proof of ID verification or the proper verification to give this person a unsecured credit line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: DC

Complaint narrative:
I have filed multiple disputes with Experian as three of my credits cards do not show up on my credit report ( XXXX XXXX credit card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). XXXX XXXX has tried to to do 2 reinsertion requests and have confirmed that they are reporting information to Experian Monthly. XXXX has confirmed that they are reporting the information to Experian XXXX. The last dispute was submitted in XX/XX/XXXX ( dispute report XXXX ). Another Dispute was filed in XX/XX/XXXX ( dispute report XXXX with investigation ID XXXX ). In addition, they have the spelling of my first name incorrect and Experian said they cant have my name match my Social Security Card, which doesnt make sense.

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 2025-07-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I was sent money from my family, since then my account was frozen, the reason that was stated was because in the money transfer that required a note my family simply put. I have made multiple requests for more information and for a representative to help unfreezing my account but I have had no help. This is affecting my living situation because I still havent been able to pay my landlord for rent, I had to resign from my job that was the only account I could use money to get around with. Also I rent a car under XXXX XXXX to do XXXX XXXX  XXXX  and I have been struggling to keep everything paid because I have no access to my money. Not only am I requesting for the unfreeze of my Cash App account but I demand compensation for the irreparable damages this has caused me in my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the 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 2025-07-13 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 do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my ability to obtain credit thank you

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 2025-07-13 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX hurricane XXXX XXXX damaged ( per XXXX XXXX ) my home at XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX help because there is insurance Insurance paid the mortgage company Shellpoint They have held onto {$78000.00} for XXXX months- while me and my children and animals were displaced, homeless, and lost everything I have sent certified mail and XXXX  of emails and calls No one is helping us. They have not responded in over a month. 
But they do keep XXXX  me to make payments which I am now refusing since I just put {$150000.00} in recovery to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above references are fraudulent inquiries. Section XXXX of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft credit reporting agencies must block information within XXXX days of receiving this information failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking XXXX per violation for : Definition of character Neglect enablement of identity fraud Section XXXX of the fair credit reporting act Section XXXX of the fair credit reporting act

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 2025-07-13 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:
To Whom It May Concern, I am filing this complaint against XXXX XXXX for reporting a fraudulent account on my credit report and for using a false address during the dispute process. I attempted to send a dispute letter to XXXX XXXX regarding an account that was inaccurately and fraudulently reported to my credit file. 
However, the mail was returned as undeliverable, which confirms they are providing false or outdated contact information -- preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This account is not mine and appears to be the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is included with this complaint. The returned mail envelope is also attached as proof that XXXX XXXX is not accepting mail at the listed address. 
I am requesting that the CFPB take immediate action to investigate this matter and compel XXXX XXXX to : XXXX. Permanently delete and block this fraudulent account from all consumer credit reports, in accordance with FCRA Section 605B. 
2. Cease all attempts to verify or reinsert this inaccurate information unless proper documentation is provided. 
I respectfully ask for your help in ensuring my rights are upheld and that this damaging, inaccurate account is removed from my credit profile. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: NJ

Complaint narrative:
My credit reports show the account past due for a car loan with CarMax. The loan was paid in full. The reporting agency will not update the status.

Company response to consumer: Closed with explanation