vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
XXXX has reported my account as closed and charged off. However, they sent me a letter saying the account if active and they will keep collecting. They refuse to show either paid and charged off and supply a XXXX or supply contact that shows I paid cash for the vehicle. They keep asking to the amount due each month even though it reports as charged off and paid. PLEASE PLEASE PLEASE I BEG YOU help me with this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
XXXX has reported my account as closed and charged off. However, they sent me a letter saying the account if active and they will keep collecting. They refuse to show either paid and charged off and supply a XXXX or supply contact that shows I paid cash for the vehicle. They keep asking to the amount due each month even though it reports as charged off and paid. PLEASE PLEASE PLEASE I BEG YOU help me with this account!

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Aero Payments, Inc.
State: AL

Complaint narrative:
I had my phone and wallet stolen which led to funds being deposited into my account which did not have permission I reported it to my bank and they declined it for the amount of XXXX . Now I got a new card and got it handled XXXX  let me deposit money but would not allow me to withdraw both XXXX  and aeropay tried to coherse me into paying the XXXX $ fraudulent payment even after I had explained what had happened and that I was not responsible for the XXXX $ that it had been reported as fraud. I gave them over 15 chances to make it right and reopen my account where I could withdraw Everytime they would redirect me to a different person I spoke with over 10 different people from representatives to supervisor and they all continue to XXXX me, give me the run around and not assist at all just try to coherse me into paying the fraudulent payment I told them 15 different times at least that if I had to I would contact you guys and the XXXX  and a lawyer if I had to buy was not my intentions initially but they didn't care they are keeping over XXXX of XXXX XXXX locked where I can not withdrawal or access my account it's theft of property, cohersion, bad business, mentally draining, also affecting my money that I make using the app everyday they are messing with my lively hood and I do not appreciate it. I have it all documented I took the proper steps now we are here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MD

Complaint narrative:
I am disputing several items on my credit report that I believe were reported inaccurately, without proper verification, or without my authorization. Multiple accounts and hard inquiries were added to my credit report without my consent, and several collection agencies are reporting debts that have not been validated as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I requested verification from the credit bureaus and the companies involved, but the information continues to be reported even though it is inaccurate, incomplete, or can not be verified. Some of these accounts may also be the result of unauthorized use of my personal information. These inaccurate and unverified items have caused harm to my credit score, limited my ability to obtain credit, and do not reflect my actual credit history. I am requesting the CFPB 's assistance to have these issues properly investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MD

Complaint narrative:
I am disputing several items on my credit report that I believe were reported inaccurately, without proper verification, or without my authorization. Multiple accounts and hard inquiries were added to my credit report without my consent, and several collection agencies are reporting debts that have not been validated as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I requested verification from the credit bureaus and the companies involved, but the information continues to be reported even though it is inaccurate, incomplete, or can not be verified. Some of these accounts may also be the result of unauthorized use of my personal information. These inaccurate and unverified items have caused harm to my credit score, limited my ability to obtain credit, and do not reflect my actual credit history. I am requesting the CFPB 's assistance to have these issues properly investigated and corrected.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
For some reason my account was charged {$25.00}. XXXX cents to the cab company XXXX  for a ride that I never received I did not ask for this transaction I did not make this transaction I don't know if my account was hacked or what happened but the transaction was taken from my account that being said I filed a report as soon as I noticed it cash app said that they would look into it that's been a few days ago XXXX of our called them today they said that I could make a report and it could take up to XXXX  days to get my money or I could get a hold of XXXX I said XXXX did not send the money for my account they just received the payment it is not XXXX  fault it is not their job to pay the money that somebody stole from my account cash app security was flawed or something and somebody was able to or something was able to take my money that being said I told them keep the dispute open and that I was going to contact you all and file I complaint against them because a couple weeks ago they sent money to XXXX the transaction was pending for over XXXX weeks and XXXX  had no idea what transaction they was talking about they had no invoice or documentation of the transaction kept telling me call XXXX XXXX told me they have no idea what cash I've talked about so to quit calling XXXX  and to call Cash app long story about the transaction finally got done pending and the money went back to my account but this is the same XXXX XXXX XXXX XXXX  that I go through with cash app constantly and they want to act like it's not their fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: OK

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-29 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint FCRA, Regulation F, and Florida Law Violations by XXXX To Whom It May Concern : I am submitting a formal complaint regarding the reporting of my account with SYNCB/BrandSmart. This account contains multiple, irreconcilable discrepancies across TransUnion, Experian, and Equifax that constitute violations of federal and Florida credit reporting laws. 

Identified Issues : Conflicting Dates of Closure and Last Payment : TransUnion : Date Closed XX/XX/XXXX, Last Payment XX/XX/XXXX. 

Experian : Status updated XX/XX/XXXX, Paid, Closed/Never late. 

Equifax : Date Closed XX/XX/XXXX, Last Activity XX/XX/XXXX, Reported XX/XX/XXXX. 
These inconsistencies indicate inaccurate reporting. 

Inconsistent Account Status and Balance Reporting : TransUnion : Paid, Closed ; was Paid as agreed. 

Experian : Paid, Closed/Never late.

Equifax : {$0.00} balance, Last Payment XX/XX/XXXX. 

Extended Reporting of Closed Account : The account closed in XXXX continues to appear as active or updated in XXXX, potentially violating FCRA guidelines and Florida statutes on reporting outdated or inaccurate information. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to properly reinvestigate disputed information.

Regulation F ( 12 CFR Part 1006 ) : Reporting debt information without proper validation.

Florida Statutes 559.715 : Prohibits false, misleading, or deceptive representations in consumer collection and reporting.

Impact : These discrepancies materially harm my credit, misrepresent my payment history, and create uncertainty regarding the status and accuracy of this account.

Requested Actions : Conduct a thorough reinvestigation of this account with all furnishers. 

Provide written validation from XXXX confirming accurate account details. 

Correct or delete any inaccurate, unverifiable, or conflicting information across all credit reporting agencies. 

Issue updated credit reports reflecting only verified and accurate information. 

Failure to comply constitutes ongoing violations of federal law and Florida consumer protections. Immediate enforcement is requested. 

Respectfully, 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 2025-11-29 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: TX

Complaint narrative:
The credit bureaus are reporting information inaccurately and failing to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I have corrected and updated this account with the creditor, yet the bureaus continue to report outdated and misleading information. I have attempted to resolve this directly, but the bureaus have not properly investigated or updated the account. Their inadequate reporting is causing ongoing harm and does not comply with FCRA obligations for accuracy and proper reinvestigation.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting information inaccurately and failing to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I have corrected and updated this account with the creditor, yet the bureaus continue to report outdated and misleading information. I have attempted to resolve this directly, but the bureaus have not properly investigated or updated the account. Their inadequate reporting is causing ongoing harm and does not comply with FCRA obligations for accuracy and proper reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Requested via certified mail in 2024 the following Proof that they own the account or were legally assigned the debt A complete chain of title from the original creditor to the collector The original contract or agreement with my signature An itemized statement of the balance The name and address of the original creditor Proof that the debt is within the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I Put a Down Payment of XXXX On a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within XXXX Weeks The Car Became To Give Me Problems Such As Engine Light, Over Heating, A/c Not Working, Vehicle Shutting Off While XXXX Driving. The Dealership Wouldnt Fix Anything So I Contacted Western Funding Inc For Assistance. They Told Me At First The Dealership Would Fix All My Issues But It Never Happened. After a Month Going By Western Funding Inc Said They XXXX  Reach Them & Than They Went Out Of Business. I Have Multiple Emails, Diagnostics With Western Funding Inc XXXX Department Showing Proof I Was Sold a Faulty Vehicle. I Want All Negative Remarks Disputed & No Legal Obligation To This Vehicle Due To None Dealership Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint FCRA, Regulation F, and Florida Law Violations by XXXX To Whom It May Concern : I am submitting a formal complaint regarding the reporting of my account with SYNCB/BrandSmart. This account contains multiple, irreconcilable discrepancies across TransUnion, Experian, and Equifax that constitute violations of federal and Florida credit reporting laws. 

Identified Issues : Conflicting Dates of Closure and Last Payment : TransUnion : Date Closed XX/XX/XXXX, Last Payment XX/XX/XXXX. 

Experian : Status updated XX/XX/XXXX, Paid, Closed/Never late. 

Equifax : Date Closed XX/XX/XXXX, Last Activity XX/XX/XXXX, Reported XX/XX/XXXX. 
These inconsistencies indicate inaccurate reporting. 

Inconsistent Account Status and Balance Reporting : TransUnion : Paid, Closed ; was Paid as agreed. 

Experian : Paid, Closed/Never late.

Equifax : {$0.00} balance, Last Payment XX/XX/XXXX. 

Extended Reporting of Closed Account : The account closed in XXXX continues to appear as active or updated in XXXX, potentially violating FCRA guidelines and Florida statutes on reporting outdated or inaccurate information. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to properly reinvestigate disputed information.

Regulation F ( 12 CFR Part 1006 ) : Reporting debt information without proper validation.

Florida Statutes 559.715 : Prohibits false, misleading, or deceptive representations in consumer collection and reporting.

Impact : These discrepancies materially harm my credit, misrepresent my payment history, and create uncertainty regarding the status and accuracy of this account.

Requested Actions : Conduct a thorough reinvestigation of this account with all furnishers. 

Provide written validation from XXXX confirming accurate account details. 

Correct or delete any inaccurate, unverifiable, or conflicting information across all credit reporting agencies. 

Issue updated credit reports reflecting only verified and accurate information. 

Failure to comply constitutes ongoing violations of federal law and Florida consumer protections. Immediate enforcement is requested. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have a fraudulent accounts on my credit report. Can you please remove this account, its hurting me from having the ability to obtain credit.

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 2025-11-29 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: NC

Complaint narrative:
I am a victim of identity theft and Equifax is reporting fraudulent information on my credit file. I submitted an FTC Identity Theft Report and provided proof of identity and address. Equifax is reporting ( XXXX ) a XXXX XXXX collection account, ( XXXX ) inaccurate late payments on my XXXX XXXX XXXX account, and ( XXXX ) an unauthorized XXXX inquiry from XXXX XXXX XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief