vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : DPT ED XXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CT

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 still seeing inaccurate accounts on my credit report and they have not been taken off. I am begging that you carefully review the documents I have attached because I can not keep living with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because Toyota Financial Services has inaccurately reported XXXX late payments on my auto loan account, despite the fact that both payments were made on time. 

The payments in question are for XX/XX/year> and XX/XX/year>. In both instances, I scheduled my payments through my online banking system before the due date. Although the initial transactions were returned due to insufficient funds, I immediately corrected and reprocessed the payments as soon as I received notice meaning there was no intentional delinquency or failure to pay as agreed. 

This situation represents a processing or posting issue, not a true late payment. I have documented proof showing that both payments were scheduled prior to their respective due dates and promptly reattempted after the returned transaction. 

Despite my good-faith efforts to resolve this matter directly : I first disputed the inaccuracies with the XXXX major credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Each dispute came back as verified without correction. 
I then contacted Toyota Financial Services directly and submitted a goodwill request, which was denied. 
I have now submitted a direct dispute under FCRA 623 ( a ) ( 8 ) to XXXX XXXX, including full documentation of the proof of timely payments. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or reasonably should know to be inaccurate. Reporting these XXXX payments as late when proof shows they were scheduled and corrected on time is misleading and damaging to my credit profile. 

I am requesting that Toyota Financial Services : XXXX. XXXX a reasonable investigation into my direct dispute and review the attached payment proof ; and XXXX. Remove or correct the inaccurate late payment entries for XXXX and XX/XX/year> with all credit bureaus ( Experian, Equifax, and TransUnion ). 

I have attached all relevant documentation, including payment confirmations, bank XXXX, and prior dispute correspondence. 

Desired Resolution : Immediate correction or deletion of the XXXX late payments reported for XX/XX/year> and XX/XX/year> Confirmation in writing that Toyota Financial Services has updated the reporting with all credit bureaus Thank you for your attention to this matter. I have acted in good faith and am simply seeking accurate credit reporting in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I have requested 4 times for debt validation and all I get from the company is 500 pages of statements with no other communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: WI

Complaint narrative:
I am filing a complaint regarding a disputed payment through Cash App that has not been resolved. I made a payment through Cash App to my sons school for school fees, but the school never received the funds. Despite providing written documentation from the school confirming that they did not receive the payment, Cash App denied my dispute and later denied my appeal, claiming the funds were successfully received. 

The school provided me with written documentation clearly showing that no payment was received for my sons account. I submitted this documentation to Cash App during both the dispute and appeal process. However, Cash App has continued to state that the payment was completed, without providing any proof showing where the funds were actually deposited. 

This has left me out of the funds I sent and has caused issues with my sons school fees not being paid. I believe Cash App failed to properly investigate the dispute as required under Regulation XXXX ( Electronic Fund Transfer Act ) and did not take into account the documentation I provided proving non-receipt. 

I am requesting that Cash App reopens the dispute, provides documentation showing where the funds were sent, or issues a refund for the missing payment to my sons school. 

Details : Transaction Type : Payment to my sons school for school fees Dispute Outcome : Denied despite proof the funds were never received Payment Method : Cash App Debit Card Approximate Transaction Date : XX/XX/year> XXXX AM Amount : XXXX Recipient : XXXX XXXX ( Infinite Campus ) I am attaching the documentation from the school verifying non-receipt of the funds, as well as copies of my communications with Cash App about the dispute and appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA 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: (Former)Shapiro, Swertfeger & Hasty, LLP
State: LA

Complaint narrative:
On XX/XX/year>, I spoke with XXXX XXXX XXXX to contact my local Sheriffs office to cancel the foreclosure sale on my home, since I am in the process of a short sale, and they are the attorneys for XXXX Mortgage XXXX. 

LOGS informed me that they cancelled the sale on XX/XX/year>, but my sheriffs department informed me that my house is still scheduled to be foreclosed on XX/XX/year> because they have not received any notification from XXXX to cancel it. 

The operator at XXXX informed me that the sale was cancelled with the auctioneer, as they do not contact the sheriffs department, but my sheriffs department IS the auctioneer of the foreclosure sale. 

Ive contacted XXXX XXXX times now to get this matter resolved and each time I have been placed on hold for ridiculous amounts of time. The only people who seem to be available are the operators and not the actual attorneys who are handling foreclosure cases.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information provided by the furnisher regarding the accounts in question. Specifically, I am referring to the following accounts : Account Name : XXXX XXXX BANK Account no : XXXX Date opened : XX/XX/XXXX This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. Please provide proof that your description belongs on my report, otherwise DELETE this account immediately. 

Account Name : XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$1900.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar. 

Account Name : XXXX XXXX XXXX ( XXXX : XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$610.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar. 

Account Name : XXXX XXXX Account no : XXXX Date opened : XX/XX/XXXX The payment history is inaccurate and dates mentioned that I were late in making my payments never happened. Please delete all the late payments for inaccurate reporting. 

Account Name : XXXX XXXX Account no : XXXX Date opened : XX/XX/XXXX The payment history is inaccurate and dates mentioned that I were late in making my payments never happened. Please delete all the late payments for inaccurate reporting. 

I hope that you will take this matter seriously and take the necessary actions of deleting inaccurate information.

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 2025-10-20 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> 2024

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: RI

Complaint narrative:
Beginning in XXXX of 2025 began attempting to reach Federal Govt Dept of Ed at XXXX of MOHELA, Feds never responded. Beginning in May MOHELA began sending delinquincy notices. The MOHELA system telephonically and on line to this day keeps saying " we don't recognize your SSN, give us your account number ''. Can never get a human being. MOHELA was assigned the loan from XXXX. I DO NOT have an account number!!! 

I am trying to set up a repayment plan going forward. In the meantime my XXXX plus credit score has plummeted!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
My CashApp account is frozen for 30 days already. I XXXX " t receive payments, I can " t transfer money to another account. I spoke many times with the support chat and the phone. Every time they say it " XXXX temporary and they will send me an email. No details. I didn " t receive any emails and my account is still frozen. {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See attachments for inquiries and also remove kickoff because its damaging my credit and hindering me from getting credit it is paid in full never late so either report it correctly or remove it from my report immediately

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Hello i submitted case ID XXXX to have my credit report fixed. I was charged lat payments when i did not owe money. My Experian account was correct and my score was fixed. My TransUnion account still has not been updated. My score is still depressed and the late payment is showing up in late payments in the last 7 year it should be XXXX. XXXX has never followed up.

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 2025-10-20 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX indicating that my {$400.00} credit limit would soon be closed due to inactivity with the company. I have never opened a credit account with XXXX XXXX XXXX ( indeed, I regularly order from a different XXXX company altogether ), and I am concerned that this account was opened at some point after my PII was compromised back in XXXX. 

I attempted to contact XXXX  XXXX XXXX at both listed phone numbers and received automated messages telling me the lines were busy and to call again later. I did, on XXXX attempt, reach a sales representative, who cold transferred me into an automated line that said it was busy and to call again later. There is no obvious way on their website to report a fraudulently opened account, so I am left with no obvious option for closing the account. 

I am worried about damage to my credit report from both the fraudulent opening, and imminent closure due to lack of activity, from this account, and need the company to respond to me so this account can be closed entirely. I already have credit alerts with all XXXX  bureaus due to previous information breaches, and will continue to monitor for changes in activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports this morning. I refreshed my browser and nothing changed. I need the documents I submitted to be carefully reviewed immediately so I can stop stressing about this ongoing 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