vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: NY

Complaint narrative:
In XX/XX/scrub> 2025, XXXX  reported my SSTXXXX account as Pays As Agreed with no past-due balance. In XX/XX/year>2025, XXXX  reported the same account as 3059 Days Late with a {$1000.00} past-due balance. These contradictory reinvestigation results confirm that the credit reporting is unreliable and inaccurate. 

SST/Alorica is not a party to my original agreement with XXXX. I never executed any contract with SST, nor have they produced proof of assignment establishing their standing to service or collect this debt. The original XXXX agreement expressly governs the event of a servicing transfer : my APR was to be fixed at the last applied rate and repayment amortized in equal monthly installments over five years. SST has violated every aspect of that clause by altering the interest rate, compounding interest, misapplying payments, and inflating the balance. 

Although I made good-faith paymentsincluding a payment on XX/XX/XXXX, 2025I did so solely to mitigate potential negative reporting while disputing the validity of the account. Thereafter SST blocked further payments, despite my written notices of XX/XX/XXXX and XX/XX/scrub> 2025. This conduct both prevented me from curing and manufactured a false delinquency. 

Despite repeated written demands beginning in XX/XX/year>2025, SST has refused to provide the original contract, proof of assignment, or a complete payment history. Their continued reporting without validation violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. Their obstruction of payments and misapplication of terms further constitute deceptive and unfair practices under New York General Business Law. 

I request deletion of the disputed tradeline unless and until proper validation is produced. At minimum, I demand correction of the balance and status to conform with the original XXXX contract, restoration of payment access, and regulatory enforcement to address XXXX contradictory reinvestigations and SSTs unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I attempted to open a credit account with XXXX, and the application was denied after XXXX XXXX ( an Experian company ) provided a report that revealed negative accounts and lowered my credit score. At the time of this denial, those accounts were still under investigation and in active dispute, meaning they should not have been used to render a final credit decision. 

XXXX XXXX reported inaccurate and incomplete information, which resulted in an unfair adverse action. XXXX relied solely on this data without conducting a manual review, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ) requiring maximum possible accuracy, as well as the Equal Credit Opportunity Act ( ECOA, Regulation B ) which requires fair treatment and proper justification for adverse actions.

This denial has caused me harm, as I was not provided a fair and accurate review of my creditworthiness.

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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} 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 XXXX 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and request the immediate removal of certain fraudulent accounts appearing on my credit report that are the result of identity theft. Enclosed with this letter is a copy of my official Identity Theft Report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

The accounts I am disputing include, but are not limited to : XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$2900.00} XXXX XXXXXXXX * Balance Owed : {$3900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and request the immediate removal of certain fraudulent accounts appearing on my credit report that are the result of identity theft. Enclosed with this letter is a copy of my official Identity Theft Report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

The accounts I am disputing include, but are not limited to : XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$2900.00} XXXX XXXXXXXX * Balance Owed : {$3900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Incorrect information on credit report needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
Repeated calls and harassment im formally sending a letter for XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Sent email on XXXX and again XX/XX/XXXX. Received numerous phone calls as well. I do not have any contracts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity theft report filed and notarized affidavits sent out ; information still not timely removed from 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: CA

Complaint narrative:
XXXX billed me $ XXXX for damages to my leased vehicle including fire damage that does not exist. Their photo-only inspection misidentified dirt as fire damage, even after I submitted photos showing it wiped off. XXXX employees admitted seeing no fire damage. An independent shop confirmed and quoted {$1600.00} for minor wear only. XXXX insists I must pay or repair the car at my expense. I am also attempting to lease another XXXX, which has been extremely frustrating because of this fraudulent " intake '' process. I request CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
In early 2022, like XXXX my phone was stolen from me during a business trip to XXXX Texas , they someone got into my zelle account and was transferring money to someone and then my account got blocked and banned. I have not been able to recover my account or attach my phone number to any of my bank accounts since and it has been quite a nuisance. I would like my account unblocked and allowed to use zelle again. What ever happened to my zelle account that made it get banned was not because of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Bull City Financial is reporting a {$1600.00} debt to XXXX  and XXXX, but not to XXXX, which I believe correctly shows no record of this account. Ive never had a relationship with this company. All of my past loans have been paid in full. When Ive tried to contact them, I was met with threats of lawsuits, cursing, and intimidation. They refuse to provide any real documentation or validation of the debt, and Ive only given them my name. This behavior is predatory, and I believe its illegal. XXXX  and XXXX  should not be allowed to report something that XXXX  accurately does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
These accounts are fraudulent and were opened without my knowledge. Kindly remove them within 15 days under the guidelines of USC 1681g. I have enclosed evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have used Synchrony Bank for many years. I called in XXXX to ask for extension on purchase that was going to expire on XX/XX/XXXX. They said yes call back in XXXX. I did before the expiration date. They were going to give me 30 days. Total due at the time was XXXX so I can avoid deferred interest. The payment on the month of XXXX was allocated so my balance due was going to be less. On XX/XX/XXXX I called to make sure the payments I made on XX/XX/XXXX, XX/XX/XXXX were allocated. Mind you it takes forver to get ahold or get anything completed. But they were helping me so I held on. The lady I spoke said ok based on information looks like to make the full payment you will need to pay additional XXXX which I made with her while she was on phone. Can't remember if I did online or she processed with my information. Once she completed she said ok all have been allocated give if 2-3 billing cycles for correction. 1 month later I called to ask from update because I received email to call them that promotion not completed. They said they see the notes give it time. 
I called again in XXXX to ask for an extension for another promotion that was due in XXXX. At that time I asked for information on the XXXX promotion they said yes they see notes. Give it time. By the way the XXXX promotion was corrected correctly. When that was removed I thought ok the XXXX is good to go. When I noticed still accumulating interest now in XXXX I thought 'oh the XXXX one not corrected ' so called yesterday XX/XX/XXXX they told me it was the XXXX not corrected they see notes. But can't help me now. That XXXX is accumulating interest. I told them I did not agree with their finding. I've been and done this before with no issues. The lady that allocated my payments and took the XXXX payment never said there was more due. I do not feel this is correct and want to them to fix.

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 monetary relief
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to report an unauthorized inquiry on my credit report, which I believe to be fraudulent. After reviewing my report, I noticed an inquiry from a company with which I have had no dealings. I have not applied for new credit nor given consent for this check, and this unexpected activity is deeply concerning, especially as I take my financial privacy very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I am demanding immediate correction or deletion of the XXXX XXXX XXXX  account ending in XXXX, as currently reported on my Equifax credit file. The payment history being published is demonstrably inaccurate, incomplete, and misleading, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Specific Violations False Delinquency Progression The account history shows XX/XX/XXXX as 60 days late, despite there being no 30-day late reported in XX/XX/XXXX. This is illogical and factually impossible under XXXX XXXX standards and results in a materially misleading representation of my payment history. 


Suppressed/Incomplete Data There is no reporting at all for XX/XX/XXXX, creating a deliberate gap that renders the history incomplete. Selective omissions are a violation of the duty to report information fully and accurately. 


Unverifiable Charge-Off Status By XX/XX/XXXX, the account is marked as CO ( charge-off ). However, because the delinquency sequence is incomplete and inconsistent, the charge-off can not be verified as valid. 


Legal Authority Your continued publication of this inaccurate data violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and delete or correct inaccurate information. Courts have confirmed that reporting that is misleading, incomplete, or creates a materially false impression is actionable under the FCRA. See : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( holding that unverifiable reporting is a violation of 1681s-2 ( b ) ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( creditors may not report incomplete or misleading data to the CRAs ), XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( failure to reasonably investigate consumer disputes constitutes an FCRA violation ). 


Equifax has an independent obligation under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation when notified of a dispute. Merely parroting the furnishers response without addressing the logical inconsistencies described above falls far short of this legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation