vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
The Social Security number that Equifax has on file for me is incorrect by one digit. This causes my credit report to appear as empty any time someone requests data from Equifax. If companies pull my Equifax credit report when applying for apartments, credit cards, etc., I'm completely screwed It comes up empty. 

This has been a problem for years. I can't remember the first time it happened, but I submitted a dispute in the mail years ago. Recently, I discovered Equifax has never fixed my data. 

Several times throughout XXXX : I submitted multiple disputes on Equifax 's online dispute service about my SSN. Every time, I got a response back saying that the number they have on record is correct and the number on my Social Security card is wrong. I'm including an attachment of one of these dispute results as an example. The results mentioned " The results of our investigation... We have reviewed the identification information. The results are : - Ssn : <insert incorrect SSN that I'm disputing, but they refuse to update> '' XX/XX/2025 : I sent a dispute using Equifax 's official dispute request form, including a copy of my Social Security card and proof of address. This was sent in mail to their XXXX XXXX XXXX No response. 

XX/XX/2025 : I resent my dispute to Equifax using U.S. XXXX Service Certified Mail. On XX/XX/2025, I received signed confirmation in the mail that Equifax received the Certified Mail. No further response. 

I have called several times. Each call ends with the agent telling me to submit the dispute in the mail again. 

XX/XX/2025 : I call Equifax again. Equifax has blocked me from logging into my account for the past XXXX months. The agent tells me they can't fix anything if Equifax has my wrong data. I mentioned how I've submitted multiple disputes. The agent repeatedly comes up with stupid excuses as to why Equifax never fixed my information : 1. " You must have sent the dispute to the wrong address '' - No. I told the agent the address and he verified I sent it correctly.

2. " You must have included the wrong information in the dispute '' - No. I told the agent which documents I included and he verified I sent all required information. 
3. I was also told by the agent that all of the online disputes don't matter and that Equifax will only update information if it is received in mail. I have sent the dispute in mail 3 times now with no response. 

My phone call ends with the agent telling me that they can't verify my identity because the SSN they have on record is wrong ( which is what I've been disputing so many times now ), that they can't unblock my Equifax account, that they can't help fix or change anything, and that I need to keep resending my dispute in the mail until it is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
The company is charging over what the amount asked for is, they are asking you to pay back tripple the amount in the personal loan you have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate and unlawful reporting of a charge-off account by XXXX XXXX XXXX XXXX XXXX credit reports. This account appeared on XXXX, XXXX, and TransUnion in XXXX and XX/XX/year>, despite lacking any lawful verification or documentation. 

On XX/XX/year>, I submitted a direct dispute to XXXX  pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. No verifiable documentationsuch as a signed contract, valid account records, or chain of titlewas ever provided by XXXX XXXX XXXX. Despite this, the derogatory entry remains on my credit files. 

The continued reporting of this account without evidence bearing my signature, and in the absence of lawful verification, constitutes a violation of my rights under : 15 U.S.C. 1681i ( Failure to reinvestigate ), 15 U.S.C. 1681s-2 ( Duties of furnishers of information ), and 15 U.S.C. 1681e ( b ) ( Duty to ensure maximum possible accuracy ). 

Requested Relief : Immediate deletion of this fraudulent and unverifiable tradeline ; A copy of any documentation used to " verify '' the account ( including anything bearing my signature ) ; Written assurance that this account will not be reinserted or re-reported in the future. 

Regulatory Escalation : Due to XXXX failure to comply with the FCRA, I have initiated formal regulatory complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney General XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX Unless this matter is resolved promptly, I will continue to escalate this complaint. Any further attempt to " verify '' this account without lawful supporting documents will be treated as willful noncompliance and reported accordingly. 

Preferred Communication : All responses must be directed via email : XXXX XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, FL 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX through a dealer in XXXXXXXX XXXX XXXX  Theyre in the process of the purchase. I was notified that I was going to be entered in to see if I qualify for a program. I wasnt notified that Credit Acceptance was the Bank that would be giving me the loan. Since that time, I discovered serious issues of fraud and contract misrepresentation : The documents included charges and optional products ( extended warranty, XXXX coverage ) that were added without my knowledge or consent. 
My signature on key documents was forged. 
The dealer failed to provide me with a complete contract at the time of sale. 
I stopped making payments after XX/XX/XXXX because I refused to continue paying toward a fraudulent contract while I was actively filing complaints with state agencies ( XXXX, Attorney General, and others ). Despite the ongoing fraud dispute, Credit Acceptance repossessed my vehicle on [ insert repo date ] directly from the XXXX dealership lot where it was being serviced under warranty.

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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
My cash app account got hacked and XXXX dollars was taken out of my account cash app will not give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called the credit agencies on XX/XX/year> and all the rest of the week to correct my personal information but I have been unable to contact a person to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
see previous complaint. The balance was located by my efforts not Capital One 's. The balance is in a third-party bank, that I am not a customer off. They are willing to reverse but will not do it for me. It has to be Capital One making the request, so far Capital One refuses, and tell me it's my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A data breach lead to multiple people losing privacy. That privacy cost opened accounts that I never new were there until I watched my credit decline.

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 2025-09-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am disputing the inaccurate late reporting on my XXXX XXXX XXXXXXXX account ending in XXXX. 

For XXXX, the Executive Office confirmed that the minimum payment was {$300.00}, which I paid on time. For XXXX, I was later informed by customer service that the minimum due was {$320.00} ( excluding the over-the-limit amount ). However, I was incorrectly told by XXXX XXXX XXXX of the Executive Office that the minimum due was {$660.00}. This conflicting information created confusion about the true amount required to remain current.

Despite this, my account has now been reported late for XXXX after the XX/XX/XXXX due date but before 30 days of delinquency had passed. Accounts should not be reported late until they are a full 30 days past due. 

I also never received the XXXX billing statement and advised XXXX XXXX of this in email. Instead of resolving the billing issue, I was given incorrect information about my minimum payment. This, combined with my ongoing medical hardship from a XXXX XXXX XXXX ( which I disclosed ), has caused unnecessary harm and stress. 

Furthermore, the timing of this reporting raises concern. I have filed multiple CFPB complaints about billing issues in prior months, but in XXXX, I chose to contact XXXX XXXX directly instead of filing through the CFPB. Shortly after doing so, my account was reported late despite not yet being 30 days delinquent. This sequence of events creates the appearance of retaliatory action. Thank you for your time.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made several dispute attempts with Equifax regarding an inaccurately reported XXXX XXXX XXXX ( filed XX/XX/year>, dismissed ). Each time, I have provided evidence that this XXXX  does not exist. 

My most recent dispute was sent on [ insert date ], with Exhibit A XXXX Consumer Disclosure Report confirming there are no XXXX  records associated with my file. XXXX is Equifaxs own public records vendor. Despite this, Equifax continues to report the bankruptcy ( see Exhibit B Equifax credit report screenshot ). 

In every dispute, I have requested original source verification ( such as a certified court record ). Equifax has failed to provide this and continues to recycle unverifiable data. 

This shows a pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation after multiple disputes.

Equifaxs repeated refusal to delete an unverifiable bankruptcy is damaging my creditworthiness and puts me at risk, especially as my financial history is subject to government review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am filing a complaint because on XX/XX/year> with a charge of {$1300.00}, my personal information has been sold or transferred without my consent or permission and under the 15 U.S.C & 1681 law, I have the right to have this removed, because this have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I sent a {$70.00} payment through Cash App to XXXX XXXX for my utility account. XXXX XXXXXXXX later confirmed that they never received this payment. I contacted Cash App and opened a dispute ( case # XXXX, later # XXXX ). Cash App denied my dispute, saying the payment was valid, but they have not provided proof that XXXX XXXXXXXX actually received the funds. 

Because XXXX XXXXXXXX does not show the payment on my account, I was forced to create a new account under another name to keep my service active. This left me out {$70.00} with no resolution. I specifically asked Cash App for documentation showing the receiving account at XXXX XXXXXXXX, but they did not provide it. Instead, they closed my case and refused to escalate further. 

I also asked Cash App if we could have a three-way call with XXXX XXXX XXXX XXXX the issue. I was told yes at first, but when I called back, I was told they could not do that. This left me without any way to confirm where the payment went. 

At this point, XXXX XXXXXXXX says they never got the money, and Cash App insists the payment went through. I am stuck in the middle, out {$70.00} for a payment I made in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Souce Receivable MNG XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. XXXXg of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 
XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : XXXX. A cop of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt on my state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting on my credit report for my XXXX XXXX. The bureaus report a late payment in XX/XX/year>. However, my bank statements confirm that payments were made and applied in both XXXX and XX/XX/year>, with XXXX reported as Paid before the account was closed by the creditor. 

This proves the XXXX late mark is inaccurate. Additionally, the three credit bureaus are showing inconsistent data, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requiring furnishers to report only complete and accurate information.

I request that the CFPB investigate this matter and direct the furnisher ( XXXX ) and the credit bureaus ( Experian, Equifax, and TransUnion ) to remove the inaccurate XX/XX/year> late payment from my reports. 

Supporting evidence, including bank statements and screenshots, is attached.

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