vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
There is an account being reported in my name that I never opened, authorized, or managed. Its presence on my credit report is inaccurate and misleading, has harmed my credit, and caused me significant concern. I require immediate clarification as to why this account is being reported and which furnisher provided this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
I am escalating my complaint against XXXXXXXX XXXX due to ongoing false reporting and misrepresentation of account information. 

XXXX is now reporting a false charge-off date of XX/XX/XXXX to Experian and XXXX. This contradicts their own prior statements, which confirm the account was charged off in XX/XX/XXXX after delinquency beginning in XX/XX/XXXX. This was confirmed in a prior response from XXXX. Stating the account charged off in XX/XX/XXXX. 

These inconsistent and inaccurate reports appear to be an attempt to extend or restart the statute of limitations on a time-barred debt. 

XXXX XX/XX/XXXX response to my prior CFPB complaint stated that the statute of limitations has not expired. However, under North Carolina General Statute 1-52 ( 1 ), the statute of limitations for credit card debt is three years. The account became delinquent in XX/XX/XXXX and charged off XX/XX/XXXX, meaning the statute expired by XX/XX/XXXX. 

XXXX is also actively engaged in litigation on this same account ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), which was vacated and discontinued in XX/XX/XXXX. They later issued a new summons referencing the old casean improper continuation of a time-barred debt. 

The misreporting of the charge-off date and XXXX  statements to the CFPB are false, misleading, and deceptive under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the following supporting documents : Screenshots of my Experian and XXXX credit reports showing XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CFPB response Account statements showing last payment activity prior to XXXX North Carolina law 1-52 ( 1 ) confirming 3-year limitation Court filings showing the case was vacated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
Multiple inquiries appear on my credit file due to fraudulent attempts on my credit file please investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
Multiple inquiries appear on my credit file due to fraudulent attempts on my credit file please investigate

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 2025-10-09 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 have no link to the named creditors and did not provide authorization for this inquiry. Please delete it 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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, used my Apple Card ( issued by Goldman Sachs Bank ) for approximately XXXX purchases. In reviewing my statement and Apple XXXX receipts I noted one charge that I did not recognize or remember ( {$69.00} at XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>XXXX XXXX Not only did I NOT make this purchase - but I have NEVER been or stayed in XXXX! Looking at all my other Apple Card/Apple pay transactions in XXXX XXXX XXXXXXXX they all show actual locations and establishments involved- but NOT for the XXXXXXXX XXXX XXXX 

I have contacted Apple Card/Goldman Sachs 4 times over this matter ( 3 times via chat or phone and the last time in writing - Dispute Case XXXX- see attachment ). Each time I requested some documentation of the transaction ( and insisted that I was NEVER in XXXX ). and in each case they first extended a credit and then reversed it, simply stating that that there is " no evidence to substantiate the claim. '' Since to the best of my knowledge and recollection the transaction never occurred now can I provide any evidence?? 

Since Goldman Sachs has not presented any evidence to me that I was actually in XXXX and made the purchase - and can not even provide any details of the merchant and product involved, please direct them to reverse the {$69.00} charge and issue a credit to my acount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I am requesting a full review of these entries, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Information on Credit Report Dear XXXX, I am writing to formally dispute specific information on my credit report that I believe is fraudulent due to the recent data breach involving your agency. I request that you investigate this matter and remove the fraudulent entries from my credit file. 

Please find below the relevant details pertaining to my dispute : - My Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXXXXXX  - Address : XXXX XXXX XXXX, XXXX XXXX Indiana - Account ( s ) Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : This account is negatively impacting my credit score with late payment reports, specifically a 60-day late status in XX/XX/XXXX, despite closing and paying off the account in XXXX. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : This account is flagged as hurting my credit score. Despite being current with a reported balance of {$270.00} and regular payments, it is inaccurately impacting my credit negatively. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Issue : This account is reported as derogatory and negatively impacting my credit score. Despite being closed with a {$0.00} balance and having fulfilled all payment obligations by the reported closure date, it still inaccurately affects my credit negatively. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : This account, despite being paid off with a {$0.00} balance as of XX/XX/XXXX, is still reported with late payments affecting my credit score negatively. The account was marked late for 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, even though it was fully paid and closed in XXXX. 











I have attached copies of my identification and any supporting documents that substantiate my claim. Given the circumstances of the data breach, I would appreciate your prompt attention to this matter. 

According to the Fair Credit Reporting Act, I expect a response to my dispute within 30 days. However, due to the urgency of the situation, please make every effort to resolve this within the next 4 days to mitigate any further damage to my credit profile. 

Thank you for your attention to this urgent matter. I look forward to your prompt response confirming the investigation and the removal of the fraudulent information from my credit file. 

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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NV

Complaint narrative:
The dealership in advertently put a warranty on my sales contract. They canceled the warranty, but the global lending company applied to the principal and not the payment and by doing that I pay interest for the rest of the loan on a warranty that I dont have either the loan has to be rewritten so my payment goes down or applied towards the interest. They applied the payment towards the principal at the end of the loan, which means my payment never goes down and I pay interest on the full value of the warranty that was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO R C is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO R C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CO

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy required by law. These errors have caused significant and ongoing harm to me, both personally and financially. This situation is unacceptable and must be addressed without further delay.

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 2025-10-09 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvn llc bought a debt from original creditor creditor bank I already ask them for proof debt validation stop cease and ask them removed thin improperly structure collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I spoke with XXXX approximately three months ago regarding adding my auto loan tradeline to my XXXX  credit report. At that time, I was informed the matter would be resolved, and I promptly provided all the necessary documentation to XXXX  
Despite this, the tradeline has still not been added. I paid off the vehicle in full one month ago, yet there has been no update to my Equifax credit file. This delay is negatively impacting my ability to purchase other vehicles and secure essential equipment.

Im requesting immediate assistance in ensuring this account is properly and accurately reported to XXXX as soon as possible. 

Case no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all XXXX bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. The following inquiries were not authorized and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all XXXX bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. The following inquiries were not authorized and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and 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 2025-10-09 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-09 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Struggling to pay my title loan and Im a single mom and Im unemployed, due to health issues. The last time I paid on my title loan I didnt know it was up for repossession because they didnt even explain it to me or call to let me know. I had to visit the store to find out. I even called before I came and I was told two different amount that was due one was {$60.00} and some dollars and the other by time I got to the store it was over {$100.00} and some dollars

Company response to consumer: Closed with explanation