vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am filing this complaint regarding a collection account placed by FCO ( Fair Collections & Outsourcing ). This account is negatively impacting my credit and is preventing me from qualifying for essential housing. 

The debt was paid, yet FCO refuses to remove the collection from my credit report. I respectfully request that it be removed, especially considering the following : No Notice Was Properly Sent : FCO claims that the original bill was sent via email, but there is no email address listed on the bill, and I have no record of receiving any such communication in my inbox, spam, or trash folders. This lack of proper notice denied me the opportunity to address the debt before it went to collections. 

I Took Responsibility and Paid the Debt : Although the debt was associated with my wife, I personally paid it in good faith to resolve the matter. I did this to prevent further damage to our credit profile and to be able to secure stable housing for my family. 

Impact on Basic Needs : This collection account is harming my ability to obtain safe and stable housing, which is a basic necessity. Given that I was not properly notified and still paid the balance, I believe this collection is unjust and should be deleted as a matter of fairness and good faith. 

Im asking CFPB to help facilitate the deletion of this collection account from my credit report due to improper notification, prompt payment by me, and the significant impact its having on my housing application. 

Thank you for your attention to 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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccurate and unauthored account information reporting. This has been a detriment to me and my credit health

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccurate and unauthored account information reporting. This has been a detriment to me and my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
Experian is reporting collection accounts with a past due balance, collection accounts can not have a past due balance.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: TX

Complaint narrative:
I need to dispute the reporting of account number XXXX, originally opened in XX/XX/year> with the creditor XXXX. This account was satisfied in full and paid off on XX/XX/year>. However, it is still being inaccurately reported on my credit report as a charged-off account with a XXXX balance. 

This reporting is materially misleading and does not reflect the accurate status of the account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1692 ( C ), I am requesting that this erroneous information be promptly investigated and corrected or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized information reporting to my credit report. These remarks have been detrimental to my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized information reporting to my credit report. These remarks have been detrimental to my life and credit.

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 2025-07-03 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
I am reporting multiple inaccurate and fraudulent accounts that appear on my credit report due to identity theft. I have already submitted an identity theft report to the FTC and placed a fraud alert on my credit. These accounts, including those from XXXX, XXXX XXXX, XXXX XXXX, were opened and/or used without my authorization. I did not apply for or use these accounts, and they are negatively impacting my credit history and score.

I have disputed these entries directly with the credit bureaus and requested proper reinvestigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 611 and 605B. The FCRA provides that I am not responsible for fraudulent debts and that the bureaus must block such information within four business days of receiving an identity theft report.

I am attaching documentation to support this claim, including my FTC identity theft report, credit bureau screenshots, and other relevant evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am reporting multiple inaccurate and fraudulent accounts that appear on my credit report due to identity theft. I have already submitted an identity theft report to the FTC and placed a fraud alert on my credit. These accounts, including those from XXXX, XXXX XXXX, XXXX XXXX, were opened and/or used without my authorization. I did not apply for or use these accounts, and they are negatively impacting my credit history and score.

I have disputed these entries directly with the credit bureaus and requested proper reinvestigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 611 and 605B. The FCRA provides that I am not responsible for fraudulent debts and that the bureaus must block such information within four business days of receiving an identity theft report.

I am attaching documentation to support this claim, including my FTC identity theft report, credit bureau screenshots, and other relevant evidence.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I used the cash app and it took my money but I wasn't given the service I was paying for. I tried to contact cash app and I just kept getting pre written messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: OH

Complaint narrative:
Since XX/XX/XXXX, I have made regular monthly payments on this debt, but my principal balance has barely decreased, and in some months over 80 % of my payments have gone toward interest. Between XXXX and early XX/XX/XXXX, SST called me daily in an aggressive manner until I revoked consent to phone calls in writing on XX/XX/XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX, I sent written requests asking SST for proof of assignment, the original agreement, and a full amortization schedule showing how payments and interest are calculated. SST responded only with partial documents that did not explain why my payments are mostly applied to interest or how the 18.90 % interest rate was determined. As of XX/XX/XXXX, I have not received proper validation, and I believe the balance being collected is inaccurate due to unclear and potentially unfair interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several fraudulent or unauthorized accounts were opened or misused in my name without my knowledge or consent. I filed an official FTC Identity Theft Report ( # XXXX ) and submitted it to the credit bureaus under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires them to block or remove the disputed information within 4 business days. 
The following accounts are at issue : 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 XXXXXXXX Charged-off account XXXX {$1500.00} reported Despite multiple disputes and supporting documentation, Experian has failed to remove these accounts from my credit report. These inaccuracies are harming my credit score and financial standing. I am requesting CFPB enforcement to compel Experian and the creditors listed above to : Fully investigate and comply with FCRA, Permanently remove or block all disputed information, and Confirm in writing the correction of my credit file. 
Ive attached my FTC Identity Theft Report, credit report, and supporting evidence for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 a victim of identity theft. Several fraudulent or unauthorized accounts were opened or misused in my name without my knowledge or consent. I filed an official FTC Identity Theft Report ( # XXXX ) and submitted it to the credit bureaus under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires them to block or remove the disputed information within 4 business days. 
The following accounts are at issue : 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 XXXXXXXX Charged-off account XXXX {$1500.00} reported Despite multiple disputes and supporting documentation, Experian has failed to remove these accounts from my credit report. These inaccuracies are harming my credit score and financial standing. I am requesting CFPB enforcement to compel Experian and the creditors listed above to : Fully investigate and comply with FCRA, Permanently remove or block all disputed information, and Confirm in writing the correction of my credit file. 
Ive attached my FTC Identity Theft Report, credit report, and supporting evidence for your review.

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 2025-07-03 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Financial Resources, Inc.
State: NH

Complaint narrative:
I have medical insurance with XXXX through my Husbands employer XXXX  XXXX XXXX in XXXX Maine and I needed an XXXX  transfer 15 miles away XXXX XXXX  in XXXX NH was called and they in turned billed my insurance an outrageous amount of XXXX my insurance company and I spoke with XXXX XXXX and the company agreed with the insurance company on an amount and my insurance company paid them. Then they turned around and sent me a bill for XXXX more than what they agreed with the insurance company for. Scamming more money. They are losing their contract here in XXXX XXXX because of these bogus practices. My debt was paid in full when they took the payment from my insurance company. I do not owe them anything. Now they have sold the debt to First Financial Resource, XXXX XXXX XXXX XXXXXXXX MA XXXX and they are reporting it as bad debit. I do not owe this money. It is fraud!!! My next step is to take them to small claims court for damage to my credit report and false reporting. They are violating the law and I should be protected from this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH

Complaint narrative:
I leased a vehicle from XXXX XXXX XXXX in XXXX Ohio when I signed the contract the contract said used vehicle not salvaged vehicle which I didnt find out the vehicle was salvaged until I tried getting a extended warranty because I was having trouble with my wiring, my headlights kept burning out because of the heat, the warranty company let me know they couldnt honor me a warranty because I had a salvage vehicle. I then reached out to XXXX XXXX XXXX, letting them know the information that I was just informed about the vehicle they lease me and let them know I would like a replacement vehicle and title I had 3 payments left I believe they said it was nothing they can do for me because I signed a contract as is then I pulled up the contract nothing was right on the contract not the price and it said used vehicle not salvaged I then told them I wanted to cancel my contract because it says if contract is fraudulent I can cancel at anytime which I did at that time and they came to get the vehicle but it still ended up on my credit report with a repossession. I then tried to just dispute it through XXXX XXXX and I was denied but XXXX removed it 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