vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Once XXXX  charged off this account, ownership and collection rights were either terminated or transferred. If XXXX no longer owns the debt, then you can not continue to report it as if you do. Doing so is a false and misleading representation in violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), which prohibits communicating credit information known to be false. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information furnished. Reporting a charged-off account that you no longer own is neither accurate nor compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
An unauthorized charge happened with my XX/XX/XXXXaccount to my XXXX account. I asked over a month span for my money to be returned by either XX/XX/XXXX or XXXX and both are declining. XXXX is harassing me to spend and I told them numerous times I don't want and can not purchase anything. They are refusing to return my money! 

XX/XX/XXXX 2025-Unauthorized charge After that I've contactedXX/XX/XXXX and XXXX numerous times for the return of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NM

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS.. 

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1692A5 15 U.S.C 1692g 15 U.S.C 1681iaa BANKRUPTCY ACCOUNT : Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/2022 XX/XX/2022 XX/XX/2022 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2022 XX/XX/2022 XXXX Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Liability : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00}

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 2025-08-24 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: NM

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS.. 

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1692A5 15 U.S.C 1692g 15 U.S.C 1681iaa BANKRUPTCY ACCOUNT : Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/2022 XX/XX/2022 XX/XX/2022 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2022 XX/XX/2022 XXXX Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Liability : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report. 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations. 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information. 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. Specific Details : 1. XXXX I sent a letter disputing Fraudulent Information, inaccurate collection account, 2. XXXX Experian responded and said that the information was accurate. As a result of Experian 's non-compliance : My credit score remains inaccurate, affecting my ability to [ get a loan, secure housing, etc. ]. I have been subjected to undue stress and financial hardship. Requested Resolution : 1. I want all the items listed below removed from my credit report immediately due to non compliance of XXXX and all the multiple laws. 2. Impose penalties on Experian for non-compliance with FCRA provisions. 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

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 2025-08-24 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While reviewing my credit report, I noticed inquiries that do not belong to me.

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 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
b'I am writing to dispute multiple unauthorized credit inquiries that appear on my credit file. My credit report is already flagged with an initial fraud alert, which further emphasizes that I should not be subjected to unauthorized or fraudulent inquiries.\n\nUnder the Fair Credit Reporting Act (FCRA) Section 604(a)(2) and Section 609, a consumer reporting agency is required to remove inquiries that do not have a permissible purpose, such as those made without my explicit authorization.\n\nThe following inquiries were not authorized by me and therefore must be removed immediately from my credit file:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nThese inquiries are fraudulent in nature, as I did not authorize, apply for credit, or have any dealings with the above creditors on the listed dates.\n\nPursuant to the FCRA Section 611, I request that these inquiries be removed from my credit report within XXXX days of receipt of this letter. Please provide written confirmation once the deletions have been made.'

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 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX ] [ XX/XX/year> ] [ XXXXXXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, ar XXXX ] Re : Request for Debt Validation Account No : [ XXXX ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above, which you have reported to the credit reporting agencies. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide the following : The name and address of the original creditor. 

The full account number associated with this alleged debt. 

A copy of the original contract, agreement, or other documents bearing my signature that makes me legally obligated to pay. 

A complete accounting of the alleged debt, including principal, interest, fees, and how they were calculated. 

Proof that you are legally authorized to collect this debt in my state and on behalf of the original creditor. 

Documentation showing your ownership of, or assignment to, this debt. 

Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies ( XXXX XXXX and XXXX ). Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

If you can not provide proper validation, you are required to delete this account from all consumer credit reports and cease any further collection activity. 

Please consider this letter a dispute of the alleged debt in its entirety. This letter is being sent via certified mail, return receipt requested, and a copy is being retained for my records. 

Sincerely, [ XXXX XXXX ] XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Car was reposeed i did a payment plan with one of their employess and he didnt honored i call back and the repo service center said she will hear the conversation and contact me back and she disnt pick up i tried contact back no amswer never from my number register tried with another phone and it went throug and as soon as i habe my name they hang up its like they did everything for me to loose the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I request that the CFPB intervene to ensure XXXX complies with the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires CRAs to conduct a reasonable reinvestigation of disputed information and remove inaccurate or unverifiable items.

2. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires CRAs to maintain reasonable procedures to ensure maximum possible accuracy of consumer report information.

3. Section 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) requires furnishers of information to provide accurate data and correct any inaccuracies. 

I also reference the XXXX XX/XX/2025 enforcement action against XXXX XXXX XXXX XXXX XXXXXXXX ), which found that XXXX  failed to properly investigate disputes, ignored consumer documentation, and allowed inaccuracies to remain or reappear on reports. The CFPB ordered XXXX to pay a {$15.00} million civil money penalty and implement improved dispute resolution procedures ( CFPB Consent Order ).

I request that XXXX  verify and remove this collection account from my credit report immediately, in compliance with FCRA requirements. 



Thank you for your attention. Please contact me if additional documentation is needed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: TX

Complaint narrative:
I was misled by Credit Sage LLC into paying for credit repair services under false pretenses. I originally believed I was contacting XXXX XXXX  but their representative, XXXX XXXX, told me Credit Sage was a representative of XXXX and worked with them directly. This was false. 

I was promised 100 % removal of all inquiries and collections for a flat cost of {$790.00} plus a {$270.00} service fee. Instead, I was enrolled in undisclosed recurring billing plans ( $ XXXX and $ XXXX ), charged a {$1.00} fee for a fake credit report from Standard Scores, and pressured into uploading my Social Security number, drivers license, and a bank statement unnecessarily.

The credit report they provided contained incorrect names, dates of birth, and addresses. Their representative also told me she could change my DOB or address to help disputes succeed, which is illegal. 

Their business address ( XXXX XXXX XXXX XXXX XXXX, XXXX, DE ) is not a real office but a mail drop behind a XXXX XXXX 

I have already been charged {$470.00} and was set up for further unauthorized charges. I am requesting a full refund, cancellation of all services, and deletion of my personal data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-24 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:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-24 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: WA

Complaint narrative:
I have found on my credit report a fraudulent account the account is XXXX XXXX opened on XXXX with the account number XXXX and hard inquiries XXXX XXXX XXXX, XXXX 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 2025-08-24 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: IL

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is 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