vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
* * Subject : Formal Dispute of Child Support Reporting * * To Whom It May Concern, I am writing to formally dispute the reporting of child support obligations on my credit report, specifically the entry related to [ insert specific details of the child support obligation, such as account number, date, etc. ]. 

According to North Carolina General Statutes, specifically * * XXXX XXXXXXXX * *, there is a 10-year statute of limitations for enforcing child support judgments. The judgment in question, dated [ insert judgment date ], has far surpassed this 10-year limitation and has not been renewed. As such, the associated child support obligation is no longer enforceable and should not appear on my credit report. 

I demand that you conduct a thorough investigation into this matter and promptly remove the outdated child support entry from my credit report. Attached are relevant documents supporting my claim, including [ insert any supporting documents, such as the judgment, proof of the last payment, etc. ]. 

I expect confirmation of the receipt of this dispute and a timely update regarding the status of my request. Your immediate attention to this matter is required.

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 2025-05-07 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I was a victim of identity theft information on my credit reporr inaccurate information that should not be attached to my report rwmove hard inquiries remove negative reporting thats hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft information on my credit reporr inaccurate information that should not be attached to my report rwmove hard inquiries remove negative reporting thats hurting my credit score

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint due to repeated and suspicious derogatory entries being added to all 3 of my credit reports. Every time my credit score improves and approaches or exceeds XXXX, a previously removed or unverified negative account is suddenly re-reportedoften without proper notice, validation, or explanation. 

I have disputed these entries multiple times with the credit bureaus and/or the debt collector, and in some cases, the accounts were removed. However, the same or similar accounts are later reinserted, causing significant damage to my credit and preventing me from making financial progress. 

I am requesting a full investigation and that any unverifiable or improperly reported item be permanently removed from all credit reports. I am also requesting accountability for the repeated negative impact this has had on my credit profile.

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 2025-05-07 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: TX

Complaint narrative:
I request that these fake accounts be removed from my credit report because I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand that they be deleted within 15 days. Supporting materials are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
On Sunday, XX/XX/XXXX, I made a purchase with XXXX XXXX for {$34.00} through this company and the transaction was completed. Later that same day ( XX/XX/year> ) I added a total of {$430.00} to what was a {$0.00} balance, bringing my total balance with this company to {$430.00}. I later made several payments of {$31.00}, {$6.00}, {$43.00}, {$3.00}, {$22.00}, {$5.00}, {$6.00}, {$36.00}, {$39.00}, {$19.00}, {$6.00}, and {$14.00}, leaving me balance at {$200.00}. Today, XX/XX/year>, Im checking my balance during a routine check and I notice that my balance now says {$170.00}, meaning {$30.00} has gone missing. However, the last purchased I had made was of {$14.00} at XXXX on XX/XX/year> and the card has been locked with no further purchases since. Upon speaking with a support specialist with this company, they notified me that the additional missing money was indeed the {$34.00} charge from XXXX XXXX. This did not make sense to me because, the transaction prices didnt meet and although the specialist said that the charge was pending and later taken, that didnt make sense either because XXXX had its own allotted funds to use during the pend and therefore had no reason to pull from my balance with this company. The support specialist then informed me that during the pend, the transaction was voided, which led me to believe that the {$34.00} would have been returned and then taken, leaving my overall balance unaffected. Upon doing my own research into this issue, I discovered that this company had charged me four different transactions of {$2.00}, {$2.00}, {$4.00}, and {$20.00}. The app does not state why these transactions were necessary but the specialist said these were charges from a company named XXXX. In this companys ( not XXXX ) attempt to charge me this amounts, they first tried to charge my bank account ( XXXX XXXX XXXX ) without my authorization and incurred four ACH fees of {$32.00} each. Because they couldnt pull from my bank account, they pulled the {$30.00} total from my balance with this company. They however denied that this was the case and denied me to receipts and proofs to back up their claims. Instead they advised I check the statements that wont be available to me until early XXXX. I did, however, file a dispute with this company for the extra {$34.00} they claim XXXX took and I will be attempting to file a case with my bank to have these charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft information on my credit reporr inaccurate information that should not be attached to my report rwmove hard inquiries remove negative reporting thats hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a scam while attempting to sell an electric scooter on XXXX XXXX. A scammer posing as a legitimate buyer tricked me into initiating a {$300.00} XXXX transfer via my Capital One checking account. I have substantial proof of the scam, including screenshots of the fraudulent emails sent to me by the scammer and my interactions with the scammer. After the scam was discovered, I immediately called capital one to report fraud and initiated a dispute on the transaction. Shortly after filing this initial dispute, Capital one denied the claim saying the transaction was authorized and its the same as sending cash Despite this clear evidence, Capital One has repeatedly refused to assist me, citing that the transaction was authorized. I then escalated the issue to XXXX XXXX XXXX of the XXXX on XX/XX/year> and submitted all the supporting documentation. Nevertheless, they denied my claim and refused to reverse the fraudulent transaction. 

Furthermore, XXXX was completely non existent with assisting me as they couldnt reverse the transaction and informed me that the funds went to XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke to them as well shortly after the funds were sent and they refused to help me as well. 

XXXX, Capital One, and XXXX XXXX XXXX ( the scammers bank ) have all failed to take responsibility or offer any meaningful assistance. I feel abandoned by all parties involved in this transaction system, despite acting in good faith and providing proof of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my credit report as I normally do, but unexpected errors appeared. I even refreshed my browser thinking it might be a temporary issue, but the discrepancies remained. Given this, Im requesting a detailed review of the documents I submitted to resolve this matter once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is a formal follow-up to my previous complaint against Portfolio Recovery Associates ( PRA ), Complaint # XXXX. Despite multiple demands and the passage of over eight ( 8 ) months, PRA has failed to produce the legally required documentation to validate the debt they claim I owe.

I have made several written and certified requests for PRA to provide : A copy of the purchase agreement identifying my specific account The chain of title or assignment documentation Any Forward Flow Agreement or legal contract proving PRAs ownership PRA has refused to provide these materials. Instead, they responded with a vague statement that they purchased the account from XXXX without providing a single document linking that purchase to my alleged debt. A few generic billing statements from XXXX do not establish PRAs legal right to collect. 


Their conduct constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their continued failure to validate the debt has caused emotional distress, credit damage, and unnecessary legal burden.

I now respectfully demand : Immediate removal of this unverifiable account from my credit reports with all major bureaus That all collection activity ceases immediately That CFPB take enforcement action against PRA for their bad-faith handling of this matter I am requesting that this issue be escalated, as PRA has had more than ample timeover 8 monthsto comply and has shown a consistent pattern of disregard for their legal obligations and consumer protections. 


Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
This morning, I noticed some incorrect accounts on my credit report, and Im completely unsure of how they ended up there. I routinely check my report, but this time, unexpected inconsistencies appeared. I even refreshed the browser, thinking it might be a technical issue, but the accounts remained. Because of this, Im requesting a thorough review of the documents Ive submitted so I can put this concern to rest for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Today I saw that my credit report contained some accounts that shouldnt be there, and I dont understand why. I checked my report as usual, but unusual discrepancies appeared unexpectedly. I attempted to refresh my browser to rule out a technical error, but the false accounts stayed. Im now requesting a thorough review of my submitted documents so this wont be an ongoing worry.

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 2025-05-07 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank Credit Card as well as other financial institutions are preventing me from establishing credit. The U.S. government has reported false documentation about my delinquent credit that is not true. I do not have any debts. As a result of false reporting Im denied mortgage loans, credit cards and other revolving credit. My history is followed illegally and I proposed an FBI threat to my social security and other personal information. Chase Bank has no real reason to prevent or report inaccurate information now or ever. I simply do not owe the government any outstanding loans or debts. My statement is Please Stop preventing a US Citizen from having an ideal life that they desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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