vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am sending to formally dispute and request the correction of certain information on my credit report. While reviewing the trade lines associated with my file, I identified an account whose reported dates, status updates, and payment history do not accurately reflect the records I have maintained. Because I take my financial obligations seriously and understand the importance of accurate credit reporting, I want to ensure that my report reflects only what is truthful and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-11-14 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy of several accounts appearing on my credit report. Upon reviewing my report carefully, I discovered discrepancies that do not align with the records I have meticulously maintained, and I am requesting that these accounts be corrected to reflect accurate information. I am requesting only that the inaccuracies be corrected in compliance with federal law.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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received fraudulent texts on XX/XX/year> which I managed to block. XX/XX/year> a unauthorized transaction of {$140.00} was made. I filed to dispute on XXXX XXXX and it got denied. I asked to reopen the claim and submitted a police report, statement/timesheet stating I was at work at the time of the transaction. The bank has now denied my claim 3 times with no solid reason other the same emails " no technical billing error '' I spoke to supervisor XXXX and that was no help. I spoke to XXXX different employees of this bank and no one was able to assist me and give a clear reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items that have appeared on my credit report. I take my personal information, credit reputation, and financial identity very seriously, and seeing these errors has been both alarming and disruptive. I routinely review my credit file to ensure its accuracy, and during my most recent review, I discovered several entries that do not belong to me and have no connection to my life, my identity, or my financial activity. These inaccuracies not only damage my credit standing but also create unnecessary worry about potential identity misuse or clerical errors. For these reasons, I must address each inaccurate item immediately and demand proper action under federal lawXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: World Acceptance Corporation
State: KY

Complaint narrative:
This complaint concerns an account originally held by World Finance Corporation ( Account # XXXX ), which was reported as charged off and sold on XX/XX/XXXX for a balance of {$690.00}. According to my credit file, this account was transferred to XXXX XXXX XXXX XXXX, who is now attempting to collect a different amount ( {$330.00} ) without providing any documentation, validation, or lawful notice of assignment. 

I was never notified by World Finance Corporation that the debt was being sold, transferred, or assigned, nor did I authorize my personal information to be shared with XXXX XXXX XXXX or any third party. This raises significant concerns regarding improper data handling and noncompliance with disclosure requirements. 

XXXX XXXX XXXX has contacted me repeatedly regarding this alleged debt. I have instructed them three separate times, most recently on XX/XX/XXXX, to stop contacting me, as permitted by 15 U.S.C. 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ). Despite these written and verbal cease-and-desist requests, XXXX XXXX XXXX continues to contact me almost daily, which is a clear violation of 15 U.S.C. 1692c ( c ) and constitutes harassment.

Additionally, the way this account is being reported to the credit bureaus is inaccurate and misleading. World Finance is reporting the account as a charge-off/sold, while XXXX XXXX XXXX is reporting a different balance, status, and information. This constitutes false or misleading representation of the character, amount, and legal status of the debt, which is prohibited under 15 U.S.C. 1692e ( 2 ).

This inconsistent and double reporting has caused damage to my credit, harmed my ability to obtain loans and credit, and created confusion about who actually owns the debt and whether the reporting is lawful. 



I have contacted the credit bureaus multiple times to have these accounts rectified and they continue to ignore the blatant violations of the USC Codes that are outlined above in my complaint. I have gone through the dispute process with them multiple times and they always return with the same statement of, " meets the FCRA standards/requirements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Experian is reporting an account that does not belong to me. I have already disputed directly with the bureau, and they failed to correct the inaccurate information This violates the Fair Credit Reporting Act ( FCRA ) 602 and 611 regarding accuracy and reinvestigation requirements.

Company has called numerous times and threatened to take legal action against me and my family it is very stressful especially at this time with all the immigration laws and Hispanics being abused I am not responsible for this account and am scared for the safety of me and my family has caused mentally abuse and instabilty scared to leave my house and work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone opened a credit card under my name. XXXX XXXX XXXX, amount of {$370.00} on XX/XX/XXXX and another one XXXX XXXX XXXX was opened on XX/XX/XXXX in the amount of {$750.00}, without my consent and knowledge. I contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issues to improve my credit history. I need to buy a house and a car. These Wrong accounts do not allow me to move forward. 
Thank 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Time Investment Corporation
State: NC

Complaint narrative:
I am filing a new complaint against Time Financing Service because their prior response was incomplete, inaccurate, and failed to meet federal reinvestigation standards. I was not given a fair opportunity to respond before my previous CFPB case was closed. 
Time Financing continues to furnish inaccurate and inconsistent information to Equifax, including : Charge-off balance and past-due amount listed as identical Missing Date Closed Responsibility listed as Undesignated Term Duration listed as 0 months Multiple months of reporting with no verified date of last activity New reporting updates as of XX/XX/year>, despite failing to validate Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are mandated to conduct a reasonable investigation upon notification by the CFPB. XXXX XXXX, however, failed to fulfill this obligation. Instead, they demanded that I provide proof of their own reporting inaccuracies, a clear violation of their statutory duties. 
In addition, XXXX XXXX failed to provide : Proof of contract Complete payment history Accounting of the charged-off amount Validation of the alleged debt Documentation supporting any balance being legally owed Failure to validate or substantiate a debt before continued reporting violates FCRA 1681i, FCRA 1681e ( b ) ( accurate reporting requirement ), and North Carolina XXXX XXXX XXXX, which requires documentation of ownership and verification before collecting or furnishing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-11-14 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:
I am sending to dispute several inaccurate items that recently appeared on my credit report. I review my credit regularly to protect my personal information and ensure that my financial record remains clean and truthful. When I examined my file this time, I noticed entries that do not belong to me and that misrepresent both my identity and my financial history. Because these inaccuracies can cause long-term harm to my credit, my reputation, and my peace of mind, I am requesting immediate action to address the following issuesXXXX 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 XXXXXX/XX/year>

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent acts in my name resulting in collections and hard inquiries reporting on my credit report. Advantage CrediXXXX 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 2025-11-14 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: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies appearing on my credit report. I request a thorough investigation and correction of the following information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
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 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 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 These false late payments, charge-offs, collection accounts, and unauthorized inquiries may prevent me from securing loans to support education, housing, or emergency needs. Moreover, inaccurate information could impact potential landlords, employers, or insurance providers who rely on my credit report to make decisions. It also causes emotional stress and unnecessary worry, knowing that my reputation and financial stability are being affected by information I did not authorize and did not create.

Under FCRA 604 ( a ) ( 3 ), credit reports may only be accessed for a permissible purpose. Unauthorized inquiries can lower my credit score, misrepresent my credit activity, and complicate future financial applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies appearing on my credit report. I request a thorough investigation and correction of the following information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
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 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 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 These false late payments, charge-offs, collection accounts, and unauthorized inquiries may prevent me from securing loans to support education, housing, or emergency needs. Moreover, inaccurate information could impact potential landlords, employers, or insurance providers who rely on my credit report to make decisions. It also causes emotional stress and unnecessary worry, knowing that my reputation and financial stability are being affected by information I did not authorize and did not create.

Under FCRA 604 ( a ) ( 3 ), credit reports may only be accessed for a permissible purpose. Unauthorized inquiries can lower my credit score, misrepresent my credit activity, and complicate future financial applications.

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 2025-11-14 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: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
Multiple companies are reporting false, inaccurate, and misleading information on my credit report. These accounts show balances, past-due amounts, and monthly updates years after the accounts were closed, surrendered, or repossessed. This is not possible and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. XXXX XXXX XXXX Account # XXXX This account shows a charge-off with a {$16000.00} past-due balance updated through XXXX, even though the account had no activity after XXXX. The company is furnishing new past-due amounts that never occurred, which is inaccurate and misleading. 

XXXX Credit XXXX XXXX Account # XXXX This account was voluntarily surrendered and last updated in XXXX, yet Experian shows a {$4300.00} past-due balance as of XX/XX/XXXX. A closed, surrendered account can not continue generating new delinquencies or balances years later. 

XXXX. XXXX XXXX XXXX Account # XXXX This account is marked as repossessed and closed, but Experian still shows updated balances and past-due amounts of {$13000.00} as of XXXX XXXX. A repossessed and closed loan can not legally accrue new monthly past-due amounts. 

Harm Caused These false updates have lowered my XXXX XXXX, resulted in credit denials, increased financial stress, and misrepresented my payment history. All three furnishers are providing inaccurate, incomplete, and unverifiable information. 

I am requesting CFPB intervention because these companies have failed to furnish accurate information and are reporting false monthly data long after account closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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