vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered an auto loan account from XXXX XXXX XXXX  ( account ending in XXXX ) reporting a charge-off with a {$29000.00} balance and derogatory status. 
I did not authorize, apply for, or open this account this is the first time Ive ever seen it. I believe this account is fraudulent or incorrectly attributed to me. 

Additionally, the account is reported with : No monthly payment listed No credit limit shown A Charged off as bad debt / Profit and loss write-off remark Late payment history showing up to 150 days past due This entry is damaging my credit and appears to be the result of either identity theft or a reporting error. It violates the Fair Credit Reporting Act ( FCRA ) 605B, 602 ( A ), and 611, which require information to be accurate, verified, and removed when fraudulent. 

I have submitted a dispute to TransUnion and requested a reinvestigation and full deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CT

Complaint narrative:
I have lived at the address below since XX/XX/XXXX. 
XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Addresses : ALL REPORTED ON XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX I dispute the accuracy of the reporting of this accountspecifically, the " addresses and previous addresses '' that Equifax is reporting, these " addresses '' are factually incorrect and do not reflect the actual status of the account. Such reporting violates your duty under FCRA 1681e ( b ) to ensure maximum possible accuracy. 

I request that XXXX to conduct a reinvestigation under FCRA 1681i and provide written documentation of your findings. 
Specifically, I request : XXXX. A copy of the original signed agreements or applications that support these addresses. 
XXXX. Documentation proving I lived at these reported addresses listed XXXX. The name and contact details of the party that verified the accounts accuracy ; XXXX.. Confirmation that all reporting is fully compliant with the FCRA and XXXX. 

Please update by removing the " Incorrect '' addresses, as outlined above from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: NY

Complaint narrative:
] : Request for Deletion of Paid Account Violation of XXXX XXXX and FCRA To Whom It May Concern, I am contacting you regarding an account formerly placed with your agency that was paid in full/settled. Despite the payment being completed over three years ago, this account is still being reported on my credit file, which is a direct violation of both XXXX XXXX XXXX  law and federal credit reporting regulations. 

Account Details : Furnisher Name : ConServe Original Creditor : [ Insert name if known ] Account Number : [ Insert account number if known ] Date Paid in Full : [ Insert date in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX law, collection agencies are prohibited from reporting paid or settled debts more than XXXX years after the date of last activity or payment. Since this debt was paid in XXXX, it must no longer be reported in New York. 
XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) : As a data furnisher, you are required to report only accurate and complete information. Continuing to report a fully satisfied account as derogatory or unpaid is misleading, harmful, and inaccurate, and a violation of your responsibilities under federal law. 



I am formally demanding : Immediate deletion of the paid account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 
Written confirmation of your compliance within XXXX business days of receipt of this letter. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and other regulatory bodies for enforcement. 

Please be advised that I am fully aware of my rights under both state and federal consumer laws, and I will pursue all legal remedies available should this matter not be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed that XXXX XXXX is reporting a collection account to Equifax with a balance of {$1000.00}, last reported on XX/XX/year>. This account does not appear on XXXX XXXX XXXX, which raises red flags regarding the accuracy and consistency of the data being furnished. 

The account shows a Late XXXX  Days and XXXX account status, but I have never received documentation validating this debt. Under the FCRA 611, I requested verification from Equifax, and under FCRA 609, I have the right to full documentation of the alleged debt, including the original agreement with my signature. No such documentation has been provided. 

I believe this debt is either inaccurate or unverifiable, and its reporting is damaging my credit unfairly in violation of FCRA 602 ( A ) ( maximum possible accuracy ) and FCRA 623 ( furnisher obligations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that one of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, two late payments are being shown in 2023, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
Account number : XXXX The above account is shown on my consumer credit report as a collection which has been charged off by XXXX. In other words XXXX canceled this debt via XXXX with the Internal revenue service ( IRS ) . which means it is now considered income. By law income shall not be reported on a consumers credit report. Therefore I demand that this account be deleted from my my credit report. ( XXXX XXXX XXXX ). 
If refuse to do so further action will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
This is a account for college I have XXXX XXXX XXXX XXXX I have never signed for anyone to go to college! This is a fraudulent loan opened by company without verifying information! They had an email address that I have never had! I have provided to company ID theft affidavit as well as filled out their XXXX complaint form! They have reported knowingly that account does not belong to me late payments and have not devoted account from my credit report! If not removed I will be suing for XXXX XXXX dollars! ALL XXXX companies were provided with notarized fraud affidavit forms!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
This is a account for college I have XXXX XXXX XXXX XXXX I have never signed for anyone to go to college! This is a fraudulent loan opened by company without verifying information! They had an email address that I have never had! I have provided to company ID theft affidavit as well as filled out their XXXX complaint form! They have reported knowingly that account does not belong to me late payments and have not devoted account from my credit report! If not removed I will be suing for XXXX XXXX dollars! ALL XXXX companies were provided with notarized fraud affidavit forms!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
This is a account for college I have XXXX XXXX XXXX XXXX! I have never signed for anyone to go to college! This is a fraudulent loan opened by company without verifying information! They had an email address that I have never had! I have provided to company ID theft affidavit as well as filled out their XXXX complaint form! They have reported knowingly that account does not belong to me late payments and have not devoted account from my credit report! If not removed I will be suing for XXXX XXXX dollars! ALL XXXX companies were provided with notarized fraud affidavit forms!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
I moved and do not owe this debt. It was then sold to a debt collection agency that I did not have any contract or obligation to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
I have made multiple requests for Credit Corp Solutions to provide debt validation, the original signed agreement with the creditor, and/or the initial purchase agreement showing that this debt belongs to me. I have provided the required FTC Identity Theft Report, and have made it clear that I have had absolutely no involvement or knowledge of this account in any way shape or form. This has been disputed on numerous occasions, however it keeps coming back verified with no explanation or details regarding the investigation into this account. I have never had an account through Credit Corp or XXXX and as such I am requesting a detailed breakdown of the ingestion along with supporting documentation about the validity of the account. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
To resolve this issue in compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Immediate reinvestigation of the late payments associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data furnishers must be required to submit proof of proper and timely notice to me before reporting any missed or late payments. This includes : Payment reminders, Billing statements, Any other form of communication that shows I was informed in advance. 

If such documentation can not be provided, the late payments are incomplete and inaccurate under FCRA 1681e ( b ) and must be : Permanently deleted from my credit report. 

I request written confirmation from TransUnion that the late payment entries have been deleted, along with a revised copy of my updated credit report, sent to me within XXXX business days of receipt of this letter. 

Should this not be resolved, I will proceed with complaints to the CFPB, FTC, BBB, and Attorney General, and will consider legal claims under FCRA 616 for statutory damages and recovery of actual losses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I enrolled in Beyond Finances XXXX XXXX XXXX with the understanding that they would handle communications with my creditors, provide legal protection in the event of a lawsuit, and that my monthly payments of {$380.00} would remain fixed for the duration of the program. I was advised not to contact creditors directly and was reassured that I would be legally protected under the XXXX XXXX XXXX XXXX if any legal matters arose. 

In XX/XX/XXXX, I was notified by Beyond Finance that I was being sued by a creditor ( XXXX XXXX XXXX ) but had never been served a summons or informed directly by the creditor beforehand. The only formal notification I received was when I was mailed a lawsuit notice from the Civil Court of the XXXX XXXX XXXX XXXX. This was shocking and distressing, especially since I was led to believe Beyond Finance would step in before things reached this point. 

After receiving the lawsuit, I immediately contacted Beyond Finance requesting : A breakdown of how my payments were being applied. 
Confirmation that legal representation was engaged on my behalf. 
Clarification on whether I needed to respond to the court or attend a hearing. 

Despite repeated requests, the answers I received were vague or delayed. I also discovered that over {$1900.00} of my payments had gone toward fees far more than I expected and not clearly disclosed upfront. Beyond later justified these charges by referencing the fine print in their agreement, which I do not recall being clearly explained during enrollment. 

I filed this complaint because I feel misled and inadequately protected. I trusted Beyond Finance to reduce my financial stress not to add legal pressure and unexpected costs. I am requesting that CFPB review how Beyond Finance represents their services, discloses their fees, and handles urgent legal matters for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have now reached out to the complaints dept. and card holder services and there have been no response regarding proper reimbursement for these unauthorized transactions that took place with my card without my consent or knowledge whatsoever. I politely request either immediate contact or the proper solution to be offered, which would be nothing else besides full reimbursement for said transactions!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding incorrect personal information being reported by the credit bureau ( s ). Specifically, there is an address listed on my credit report that is outdated, inaccurate, or not associated with me. 
( XXXX XXXX  cir. XXXX, Tx XXXX ) I have previously disputed this address with [ Experian/TransUnion/Equifax ] XXXX but the bureau failed to properly investigate and remove the incorrect information. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be included in a consumer report. 

I have provided proof of my current address and identification, and I am requesting that the address in question be permanently removed from my file. 

I am requesting a full investigation into how this address was added, who verified it, and a copy of that verification per Section 611 of the FCRA. 

If the address can not be verified or validated, it must be removed from my credit 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 2025-07-20 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: FL

Complaint narrative:
I am submitting this formal dispute to request the immediate removal of the following credit inquiries ( hard inquiries ) that appear on my Equifax credit report. I did not authorize, initiate, or consent to any of these inquiries, and I consider them the result of fraudulent activity and identity theft. To support this dispute, I am enclosing a copy of my official FTC Identity Theft Report ( Report No. XXXX ) in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). Fraudulent Inquiries to Be Removed Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis : These inquiries violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b Consumer reports may only be accessed for legally permissible purposes. These inquiries occurred without my knowledge or consent. 15 U.S.C. 1681c-2 Requires credit bureaus to block any information resulting from identity theft within XXXX ( XXXX ) business days after receiving a valid identity theft report. 15 U.S.C. 1681i Grants consumers the right to dispute and request reinvestigation of fraudulent or inaccurate information. 15 U.S.C. 1681e ( a ) Obligates credit reporting agencies to follow reasonable procedures to ensure consumer information is not misused or accessed unlawfully. Formal Requests : I hereby demand that Equifax : Immediately block and delete the unauthorized inquiries listed above from my credit report. Provide written confirmation that these inquiries have been permanently removed and will not be reinserted. Do not reinsert any of these inquiries without strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ). Provide a detailed summary of the reinvestigation procedures used, as required by 1681i ( a ) ( XXXX ) ( B ). Enclosures : FTC Identity Theft Report ( Report XXXX. XXXX ) Government-issued photo ID XXXX of current address Highlighted copy of Equifax credit report showing the disputed inquiries These unauthorized inquiries have caused unjust harm to my credit profile and violate my consumer rights under federal law. If Equifax fails to comply with this request within the required timeframe, I will file formal complaints with the Federal Trade Commission ( FTC ), and pursue any legal remedies available under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation