vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
We leased a XXXX  XXXX XXXX. We set up automatic payment, XXXX pulled XXXX payments, then stopped, we didnt catch it, and they repossessed the vehicle, when trying to make the payments up, and retrieve the vehicle, they only provided XXXX ways to pay, XXXX XXXX, or a cashiers check, money gram wont accept the account number, we tried numerous times, and we were told by customer service that the cashier check would not process for XXXX days, at which point the car will have already be auctioned off, after checking consumer complaints against XXXX XXXX discovered that this is common practice for XXXX XXXX And that many customers have paid the money to retrieve their vehicles, XXXX still sold the vehicle at auction. So we are stuck. XXXX  of complaints have been made. They need to be held accountable. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
Subject : Bureaus Corrected Late Payment Month but Still Violated the FCRA by Failing to Delete Inaccurate Reporting I am filing this complaint because Ally Financial furnished inaccurate information and the credit bureaus failed to comply with the Fair Credit Reporting Act ( FCRA ) during reinvestigation. 

1. Initial Late Payment Reporting Was Inaccurate A late payment was inaccurately reported as XX/XX/year>. Under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), information must be accurate when first furnished. Because XX/XX/year> was inaccurate, the entry became unreliable. 

2. All Three Bureaus Improperly Corrected the Reporting to XX/XX/year> After my dispute on XX/XX/year>, all three bureaus changed the reporting from XX/XX/year> to XX/XX/year>. While May is the correct late-payment month, this still violates the FCRA because : - FCRA 1681i ( a ) ( 5 ) ( A ) requires deletionnot modificationof inaccurate information.

- Bureaus must delete inaccurate items, then follow reinsertion procedures under 1681i ( a ) ( 5 ) ( B ) if the furnisher wishes to report corrected data.

- No deletion, certification, or notice of reinsertion occurred.

3. Exhibits Exhibit A ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing XX/XX/year> late payment Exhibit B ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing bureaus changed reporting to XX/XX/year> XXXX. FCRA Violations The bureaus and Ally violated : - 1681e ( b ) failure to maintain maximum possible accuracy - 1681i ( a ) ( 5 ) ( A ) failure to delete inaccurate data - 1681i ( a ) ( 5 ) ( B ) improper reinsertion without certification or notice - 1681s-2 ( a ) ( 1 ) ( A ) inaccurate furnishing

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 2025-11-19 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: TX

Complaint narrative:
An account was reported on my credit report that I did not authorize or open. I contacted the company and requested full verification/validation, including the original application, signed contract, itemized statements, and all documents used to verify and furnish this account under the FCRA. The company did not provide any of the required documentation. Despite their failure to validate the account, they continued to report it to the credit bureaus. This has caused inaccurate reporting, financial harm, and a violation of my rights under the FCRA and FDCPA. I am requesting the CFPBs assistance in having this account fully investigated and removed due to lack of validation and unauthorized reporting.

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 2025-11-19 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:
An account was reported on my credit report that I did not authorize or open. I contacted the company and requested full verification/validation, including the original application, signed contract, itemized statements, and all documents used to verify and furnish this account under the FCRA. The company did not provide any of the required documentation. Despite their failure to validate the account, they continued to report it to the credit bureaus. This has caused inaccurate reporting, financial harm, and a violation of my rights under the FCRA and FDCPA. I am requesting the CFPBs assistance in having this account fully investigated and removed due to lack of validation and unauthorized reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TN

Complaint narrative:
Tried to access my account but the account was locked.when I tried to provide my information to verify my identity it said cant verify identity. After several attempts and being told that I would get an email, Ive received nothing. Cash app returned my direct deposit to my employer and cashapp changed me the entire transaction amount which put my account negative XXXX from a positive XXXX total amount equals my entire direct deposit from my paycheck. Im only XXXX and worked very hard to save up enough for a car and now Im short XXXX dollars. I feel cheated and cash app owes me the XXXX and an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AZ

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 XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX  Date : XXXX 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 US 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Pretext : I NEVER sought a mortgage from this terrible company, XXXX. They purchased my loan from the originator. Also, I originally submitted this complaint with the CFPB a month ago. 

On or near XX/XX/XXXX I received information that suggested that my income would be reduced and placed an inquiry to the company about relief options. The person I spoke with said that I didn't qualify for a loan modification because my mortgage was current and in good standing. He said that I would need to intentionally NOT pay the XXXX payment in order to begin the process. 

So in XXXX I did not receive a payment. The company immediately placed my loan into " modification '' status, even though I had not committed to the modification nor knew the revised terms. 

During this time their website would NOT allow me to make a payment on my mortgage. 

After submitting all of the requested information well before the XXXX XXXX deadline, including the ONLY application it provided ( the attached XXXX application ), the company kept insisting that my application was incomplete and that I needed to submit " pages XXXX and XXXX with signatures. '' After explaining multiple times that the application they provided me ended at page XXXX and to please send me the application they are referencing, they never did. 

Meanwhile, they still never disclosed specific modification options for me to properly discern whether or not t dealing with their incompetence was even worth the effort and hassle. 

On XX/XX/XXXX, I informed the company that due to their incompetence I no longer was interested in modification and to cancel my pending application. 

On XX/XX/XXXX, the company filed a derogatory report with the credit bureau, even though I was not able to make payments online and even filed a partial payment by phone with XXXX of the reps I spoke with during the protracted application process. 

Since then I have made my payments and supplemented my escrow account. In spite of that, along with a prior complaint filed with my state attorney general for erroneous late charges they attempted to apply for bi-monthly payments that they later had to refund, they have now resorted to resuming late charges and have not lifted the derogatory report. 

My mortgage is being paid on time and in full. It is now interfering with my ability to secure new financing for personal and business matters. I am suffering punitive damages as a result of their incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( No accounts listed for Experian ) Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 XXXX  Date of Inquiry : XX/XX/2025 Late Payment Accounts : XXXX Account Number : XXXXXXXX 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 2025-11-19 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: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-19 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: TX

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX For, 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 2025-11-19 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 am requesting a reinvestigation of the following items due to incorrect reporting and potential unverifiable data. Please remove all information that can not be fully verified with proper documentation. 

CHARGED OFF TU XXXX  XXXX, INQUIRIES TU XXXX XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Hello, I have been trying to get us a hold of someone at Citibank regarding the application number XXXX. After I apply, I received an email saying that they did receive my application and that I could check my status by clicking on the link below. I was able to check the status of my application and that is how I saw that I was approved for {$6700.00}. 

I received another email saying that I shouldve received my card by now and and now I could go and activate my card. 

My problem is I did not receive a card in the mail. So I tried to get a hold of someone to ask about the whereabouts of my card. I tried calling the number that is supposed to be for Customer Service. It is But when I called that number, I was told that I was not allowed to call that number. The number I called was General Support for Citi Cards XXXX So then I tried to register with Citibank online and saw that I could not register without putting in my card number. So therefore, I could not register cause I had no card. 

So now, I am confounded and have no idea what I am supposed to do. However, I do not like the idea that there is a card somewhere out there with my name on it that could get used fraudulently.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In early XX/XX/year>, I discovered that my XXXX auto insurance autopay had silently failed without any notice to me. This raised concerns about XXXX  billing system. Later, when my renters insurance and XXXX  membership were approaching renewal in XXXX, I decided in XXXX to terminate all business with XXXX due to this issue. 

During the same XXXX call, I also asked about my renters insurance billing because the information looked inconsistent. The XXXX agent told me they could not figure out why the system was showing confusing payment data but assured me everything was fine and that I did not need to worry. 

Despite that reassurance, XXXX later began repeatedly asking me to pay a {$35.00} balance on the renters policy, which they described as a late fee and reinstatement fee. These charges resulted entirely from XXXX  own billing errors and autopay failures, not from any missed payments by me. I requested an explanation and a breakdown of this charge, but XXXX did not provide any information. 

I emailed XXXX multiple times, but they ignored my messages for months. Instead of addressing the dispute, XXXX sent this incorrect {$35.00} charge to a debt collection agency, and I began receiving collection attempts for a debt that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my 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 explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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