vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Charge-Off Under GAAP Dispute Letter Your Name : XXXX XXXX NOW XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX if available XXXX, TX XXXX per credit report ] Re : Account # XXXX Auto Loan Name on account : XXXX XXXX Subject XXXX XXXX Dispute of Charge-Off Reporting Under XXXX & FCRA To Whom It May Concern, I am formally disputing the reporting of the above-referenced account as it is inaccurate, incomplete, and not in compliance with GAAP ( Generally Accepted Accounting Principles ) XXXX the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX reporting standards. 
According to my credit report, this account is listed as : Status : Charged Off {$11000.00} written off Balance : {$11000.00} past due ( as of XX/XX/XXXX ) Additional Note : Paid Off Dispute Grounds : GAAP Compliance Violation Under XXXX, once an account is charged off, the debt must be written off as a loss and removed from the creditors receivables.

Reporting both a charge-off and an outstanding past due balance is contradictory and misleading. An account can not simultaneously be written off as a loss and also show a collectible balance. 
XXXX XXXX Compliance Violation The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines prohibit reporting conflicting statuses ( e.g., paid off while also showing a charge-off and past due balance ). 
FCRA 15 U.S.C. 1681s-2 Furnishers of information are required to report data that is accurate and not misleading. This conflicting reporting creates the false impression that I still owe a past due balance, despite the account showing paid off. 
XXXX XXXX This inaccurate reporting lowers my credit score and misrepresents my financial history to potential lenders, which is a direct violation of FCRA accuracy requirements. 
Requested Resolution : I am requesting that XXXX XXXX XXXX : Correct or delete this tradeline so that it no longer reflects contradictory or misleading information. 
Remove any reference to past due balance or charge-off if the account is in fact paid and closed. 
Provide documentation showing how this reporting is accurate under XXXX and XXXX XXXX standards if you intend to continue reporting it. 
If this account can not be verified and corrected within the timeframe allowed by law, I expect it to be deleted entirely from my credit file. 
Please also provide the name, mailing address, and direct contact information of the person responsible for investigating this dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
On XXXX XXXX I noticed a collection notice from Abilitys Recovery Services LLC. in the amount of {$6500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. FDCPA has placed laws to ensure consumers are protected from companies purchasing private information without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

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 2025-09-01 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: CT

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MD

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Address XXXX XXXX loop XXXX XXXX XXXX XXXX, texas, XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of the following closed accounts appearing on my credit report. These accounts are reporting incorrect, incomplete, or unverifiable information and should be removed in compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. 

The accounts in question are : XXXX XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Closed on XX/XX/XXXX ) The Aligned Company ( Closed on XX/XX/XXXX ) I request that each of these accounts be thoroughly investigated and verified. If you are unable to verify the accuracy of the information with proper documentation from the original creditor, I ask that the accounts be deleted immediately from my credit file. 

Please provide me with : 1. The method of verification used.

2. The name, address, and telephone number of the person or organization that verified the information.

As required by the FCRA, I expect your reinvestigation and response within 30 days of receipt of this letter. 

Enclosed are copies of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA XXXX XXXX Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I was falsely advertised and manipulated into signing a no refund contract. For a scam of a course I was than lead to XXXX to finance said course. I made a complaint on XX/XX/XXXX. The course is handled and operated by XXXX XXXX. I gave more than sufficient evidence stating how I was manipulated into using household income which i don't have access to. XXXX decided that I did not provide enough evidence and closed my complaint. I was falsely advertised too my contract isn't even legal. The initial company in Question is based out of Florida named XXXX XXXX XXXX XXXX. As well as XXXX, according to fanbasis they have screenshots of me expressing satisfaction which i can personally attest to that I have never expressed satisfaction with this in fact ive expressed dissatisfaction so I dont understand where they got that from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
For the last 18 months I have been trying to contact Transunion via phone and online for support on disputes. I made disputes online but were never cleared up. I called but could not get to a live person. I sent disputes via mail but but I received to response. My problem with Transunion started in XX/XX/XXXX and as recent as 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 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: WI

Complaint narrative:
They refuse to provide me with written validation Of a debt a alleged owe. I request information on XXXX XXXX. They did not provide me with any information. Call me on XXXX XXXX In regards to the alleged debt to then i request them to verify this debt they did not. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: WA

Complaint narrative:
XXXX has reported late payment on my XXXX loan and it has severely impacted my credit score and impacting my ability to go for any purchases. As per the attached letter they did confirm that they will list it under default only when payment was not received within that specified time. I did pay the payment well before the mentioned date. Still its reported as late payment. Please investigate and help me to remove this late payment marking from the credit agencies.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My funds wasnt distributed at ATM I was given {$0.00} so I filed a dispute with Capital One the gave me the provisional credit but purposely restricted my account so I wouldnt have access to it which is unheard of I have rent and bills coming up so I need access my funds immediately thanks in advance for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-01 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX 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 2025-09-01 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: WV

Complaint narrative:
I have contacted XXXX XXXX XXXX  multiple times. They are refusing to investigate my situation unless a police report is filed. Although the police department where I need to file the report says I can not file a police report. 

I have let XXXX XXXX know my situation and that the manager at XXXX XXXX admitted I did not sign a loan agreement in their office, but XXXXXXXX XXXX  refuses to even investigate the situation. 

I did not sign the loan agreement, it is not my signature someone signed my name to the loan and I am willing to do anything within my power to prove this is the case, but XXXXXXXX XXXX  refuses to even investigate the situation.

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 2025-09-01 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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