vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
The company is trying to collect a debt that was paid to XXXX XXXX on XX/XX/2025. This debt was not reported to the credit reporting agency until after the debt had been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX through Bridgecrest Financial in XXXX. The loan maturity was XX/XX/XXXX, XXXX during the course of the loan, i had some payments extended to the end of the loan. ( 3 extension but 4 payments ). One document says payment amount is XXXX the other says XXXX amount. 4 payments of XXXX. 

I understand interest will be added to the payments. However, the balance of the car after the maturity of the loan was over XXXX. This interest rate should not have allowed 4 payment 's interest to be {$2400.00} unless they are charging a 100 % interest on the past due balance. 

when I asked Bridgecrest to explain the way they calculated the additional cost, they could not explain. They said, we will send you a payment history and when payment history was reviewed, nothing was found to suggest me to pay {$2400.00} additional cost along 4 payments cost of XXXX. I found it very coincidental the interest is the same as the 4 payments extended to the end of the terms of the loan. 

I am requesting an investigation on the past due interest and calculations. 

after receiving the balance, i sent XXXX on the XXXX balance. it showed I owed a balance of XXXX. Now as of today, it shows i owe XXXX for one month, i now owe {$160.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My account was with XXXX XXXX  they put me in a loan modification back years ago I was transferred to Select Portfoilio who came in and redid the loan and raised my payments back up to where XXXX XXXX  have reduced my payments I have the contract which I mailed to your office, they have placed a sale date on my home for XX/XX/XXXX. I worked very hard to stay in my home and I have enough income coming in to keep my house they need to fix my loan back like it was, this is not right, I need you to investigate this issue so you can see the error that has been made now they are trying to foreclose on my home. I moved in my house XX/XX/XXXX and I am trying to keep my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am a Victim of Identity Theft. Accounts were Fraudulent opened in my Name According to this Law : FCRA SECTION 6O5b of the Fair Reporting Credit Act ( FCRA ) codified as 15 U.S.C.1681c-2, addresses the BLOCKING of information resulting from identity theft. It requires consumer reporting agencies to block information identified by a consumer as resulting from Identity Theft, not later than four ( 4 ) Business days after the consumer provides the necessary Documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am a Victim of Identity Theft. Accounts were Fraudulent opened in my Name According to this Law : FCRA SECTION 6O5b of the Fair Reporting Credit Act ( FCRA ) codified as 15 U.S.C.1681c-2, addresses the BLOCKING of information resulting from identity theft. It requires consumer reporting agencies to block information identified by a consumer as resulting from Identity Theft, not later than four ( 4 ) Business days after the consumer provides the necessary Documentation.

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 2025-06-24 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: NY

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-24 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: TX

Complaint narrative:
This is a formal dispute regarding accounts I did not initiate. I am not responsible for them, and they are negatively affecting my credit standing. Under 15 U.S. Code 1681g, I request their removal within 15 days. Please find supporting documents enclosed.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am formally disputing multiple violations found in my credit report under your agency. You continue to report inaccurate, unverifiable, and non-compliant data in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Standards, and federal law.

Personal Information Disputes : Incorrect DOB : XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Accounts/Collections Disputes : 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 Under 15 U.S.C. 1681b, no permissible purpose has been validated for these accounts. You are legally obligated to provide full documentation, including original applications bearing my wet or electronic signature. Your failure to do so constitutes willful noncompliance under FCRA 611, 607 ( b ), and Metro 2 Reporting Guidelines. These accounts are being reported without documented chain of custody or legal validation.

Your generic template responses violate 15 U.S.C. 1681i, which mandates that each dispute be properly investigated and handled based on specific merits. Continuing to disregard my disputes using form letter responses reflects intentional negligence and bad faith. 

If you can not produce verifiable, original documentation within the statutory timeline, you are required by law to permanently DELETE these accounts from my credit report. Any further failure to comply will result in immediate legal action under 15 U.S.C. 1681n and 1681o, which permit civil liability for willful and negligent non-compliance, including statutory damages, actual damages, and attorneys fees.

You are authorized to mail all investigation results, verification documents, and an updated credit report to my address. 

I expect your full compliance.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing multiple violations found in my credit report under your agency. You continue to report inaccurate, unverifiable, and non-compliant data in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Standards, and federal law.

Personal Information Disputes : Incorrect DOB : XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Accounts/Collections Disputes : 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 Under 15 U.S.C. 1681b, no permissible purpose has been validated for these accounts. You are legally obligated to provide full documentation, including original applications bearing my wet or electronic signature. Your failure to do so constitutes willful noncompliance under FCRA 611, 607 ( b ), and Metro 2 Reporting Guidelines. These accounts are being reported without documented chain of custody or legal validation.

Your generic template responses violate 15 U.S.C. 1681i, which mandates that each dispute be properly investigated and handled based on specific merits. Continuing to disregard my disputes using form letter responses reflects intentional negligence and bad faith. 

If you can not produce verifiable, original documentation within the statutory timeline, you are required by law to permanently DELETE these accounts from my credit report. Any further failure to comply will result in immediate legal action under 15 U.S.C. 1681n and 1681o, which permit civil liability for willful and negligent non-compliance, including statutory damages, actual damages, and attorneys fees.

You are authorized to mail all investigation results, verification documents, and an updated credit report to my address. 

I expect your full compliance.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I have had on several occasions cash withdrawals payments to instacart XXXX and I believe XXXX once taken from my account. I was told to report that card as stolen and request a new one. So I customized and ordered a new card I think it ended up being about XXXX XXXX  or so of my money to get another card and that was almost a month ago and I have still not received that card. A transactions are still coming from my account and so I have just recently ordered another card from cash app would like my money refunded and for them to figure out what's going on and to make sure that they have the correct address when they are sending people 's cards and not to send them in a big bright neon yellow envelope. So that scammers don't know what to look for I want my envelope discreet not bright yellow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am contacting you to formally dispute a hard inquiry that appears on my credit report, which I did not authorize or initiate. I have carefully reviewed my credit history and can confirm that I have not submitted any credit applications during the timeframe in question that would justify this inquiry. As a consumer, I am entitled to protections under the Fair Credit Reporting Act, particularly Section 604 ( a ), which requires that hard inquiries be made only with the consumers explicit authorization and for a legitimate business need. The presence of this inquiry violates that provision and is damaging to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I checked my credit report today like I usually do, and to my frustration, an unauthorized inquiry suddenly appeared without explanation. I tried refreshing the browser, thinking it might be a temporary issue, but nothing changed. This has caused me serious concern, and I need my documents to be reviewed immediately and thoroughly to prevent this kind of problem from happening again.

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