vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX  XXXX BALANCED {$2300.00} XXXX  XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$4500.00} XXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$7900.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$44000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX  XXXX BALANCED {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX  XXXX BALANCED {$2300.00} XXXX  XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$4500.00} XXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$7900.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$44000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX  XXXX BALANCED {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$20000.00}

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX {$710.00} showing charged off but I never received 1099C form.XXXX {$2500.00} account is showing charged off but l never received a 1099C from the company and the company is still trying to collect although they charged off the debt.XXXX {$2100.00} showing charged off on my credit report but I never received 1099C form from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX I placed an order for XXXX XXXX, the next day on XX/XX/year> I realized I put the wrong address. So I called in the morning with the merchant to cancel the order or change the shipping address. They said it was too late to cancel and they couldnt change the shipping address. I would had to contact XXXX to intercept it. Next thing you know the package has arrived at the wrong address. I work in sales, so I couldnt check in with XXXX  to intercept it. I tried phone call and chat support, none were helpful. I then dispute with my credit card company Citi Bank, they just closed the case and is denied my dispute. Even though they have documents that shows a different person belonging to that shipped address. Now Im charged for a product that I never received. I dont even live in that address and you will see in the attached documents.

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 monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am writing to formally dispute the information in my credit report under the provisions of 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ), particularly in light of the recent XXXX XXXX XXXX XXXX which may have compromised my personal information.

I have reviewed my credit report and found discrepancies that I believe are inaccurate due to unauthorized access to my personal data. As a result of this breach, I am concerned that my credit report may contain information that does not accurately reflect my credit history.

According to 15 USC 1681c-2, it is required for consumer reporting agencies to take additional precautions when a data breach occurs that affects personal information. I would like to formally request a reinvestigation of the entries on my credit report related to this incident, as they may no longer be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
Good morning! 


My family are I are being taken advantage of by XXXX XXXX XXXX and Lobel Financial and they're using their authority to get away with doing wrong. 

I purchased/financed a car XXXX XXXX and the financing was through Lobel Financial . Immediately after purchasing, we put {$500.00} just in fixing the car since the AC broke. I called Lobel and explained that we pit alot of money to fix the car and asked about the 1st payment. after putting money fixing the car, I called Lobel and they said I had until XX/XX/XXXX to pay and also have a letter saying the due date was XX/XX/XXXX ( picture of letter attached ). We paid the car payment on XX/XX/XXXX ( have the verification also ). The dealership called a few days later and said the loan has been reversed and that theyre going to sue Lobel bc what they did was illegal, especially bc it was paid before XX/XX/XXXX. As soon as I talk to the dealership, I call Lobel and they said the account is in good standing so there's no reason the loan should be reversed ( recorded that convo too so I would have a record of it and told Lobel on the call I was recording and the link to the video is below ). The dealership said I had to come in yesterday to discuss everything and on my way in, people who use to work there and currently work there, told me that I should not have to sign anything else since I have a contract with Lobel and did nothing wrong and if the loan is being reversed, its something due to the dealership. The dealership is saying I have to either sign a new contract with another financing company for a higher monthly payment, or give the car back since theyre out the money. I called Lobel back after going to the dealership and after talking to 2 representatives, they didn't find anything as to why the loan is reversed and even said " it is what it is, a manager will call '' and when I asked if the manager would call by the end of the day since it's a time-sensitive matter, they said yes but no one has yet to call back and it's the next day, XXXX. I talked to a couple lawyers yesterday and they said we definitely have a case and can fight it but it would of course take awhile and we can not afford to be without transportation. There's something going on between Lobel Financial and XXXX XXXX XXXX and now I'm being taken advantage of and theyre saying we have until the end of today ( XXXX ) to either pay more money or return the car. 

We are desperate for any sort of help/advice/attention and can be reached through this email or call/text at XXXX. 

XXXX XXXX XXXX XXXX Thank you, XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MD

Complaint narrative:
I am submitting this formal complaint against First Progress for false and damaging credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

First Progress has reported XXXX late payments from XXXX through XX/XX/year> on my credit report, despite the fact that I never received any invoice, statement, or notification regarding any balance owed. These late payments are associated with an alleged annual fee, which I was never informed about. My account has been closed for months, yet the company continues to report negative activity to the credit bureaus. 

The continued reporting of this account, despite its closure has had a severe and unjust impact on my credit score and overall creditworthiness. I have contacted First Progress directly to address this issue, but they have refused to provide any meaningful information or assistance. Their refusal to disclose details regarding the account and their failure to correct the false reporting demonstrate a clear lack of transparency and good faith. 

I believe these actions constitute willful noncompliance with the FCRA and are harming my ability to obtain credit. I request that the FTC investigate this matter, ensure First Progress ceases its false reporting, and take enforcement action if necessary to hold the company accountable. 

Thank you for your attention to this matter. I look forward to your acknowledgment of this complaint and to the steps you will take to address this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NM

Complaint narrative:
On XX/XX/XXXX, Crown Asset Management filed a lawsuit in XXXX District Court. They filed attachments of credit card statements that showed my correct and proper mailing address, however, they filed my address incorrectly within their written filing and were using the incorrect address to send filings. I was only made aware of the lawsuit because I have an ongoing divorce and custody case and utilize the XXXX  Courts website and saw myself listed as a Defendant. I accepted service and sent copies to Crown Asset Management on XX/XX/XXXX and included my correct address. 

On XX/XX/XXXX, the dismissed their case but sent the dismissal to the incorrect address and I did not receive the usual efile notice from the courts. 

Not knowing that they dismissed the case, I filed an Answer and Countersuit for violating FDCPA laws on XX/XX/XXXX. 

I've never heard from them since until I received an Entry of Appearance letter without a court filing stamp. The entry is dated XX/XX/XXXX and the court website shows it was filed XX/XX/XXXX. 

The violations have already occurred where Crown Asset Management has not given me proper notice of the debt, filed a lawsuit without proper notification and after eleven months of no communication have entered an appearance right as the one year statue of limitations is about to expire on their initial violation. 

Please note I was unable to upload the entire filing due to file size limits. You will see that on the first page of their lawsuit they listed an incorrect address and in my Acceptance of Service my correct address is listed yet they have failed to send any communication to this address until the filed Entry of Appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Credee Corporation
State: AL

Complaint narrative:
I was working with a couple of people on this matter once before but have not seen any improvement since my first payment I've been getting business practicing toward me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-09 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:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 non-monetary relief
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-08-09 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-08-09 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: DE

Complaint narrative:
Subject : Formal Request for Re-Investigation of Credit Report Under FCRA 611 To Whom It May Concern : I am writing to formally request a re-investigation of the following account in my Equifax credit report under FCRA 611 ( 15 U.S.C. 1681i ), and to ensure that any incorrect or unverified information is duly corrected or removed. 

Account in Question Account : Education loan ending in XXXX Date Opened : XX/XX/XXXX Report Date : XX/XX/XXXX ( updated as of XX/XX/XXXX ) Status Codes : OVER_120_DAYS_PAST_DUE, 180 DAYS OR MORE PAST DUE, inconsistent narrative codes ( XXXX, XXXX, XXXX ) Balance : {$2100.00} Date of First Delinquency : XX/XX/XXXX Basis for Re-Investigation Chronological Inaccuracy : The reporting shows a jump to 120+ days delinquent as early as XX/XX/XXXX, despite apparent activity in XXXX sequence is not consistent with standard reporting practices and suggests data inaccuracy. 

Inconsistent Codes : The narrative codes are misalignede.g., student loan payment deferred ( XXXX ), then jumping to 150 days past due ( XXXX ) and 180+ days past due ( XXXX ) in an erratic orderfurther suggesting incorrect reporting. 

Under 15 U.S.C. 1681i ( a ), you are required to re-investigate the disputed items within 30 days, notify the furnisher, and, if the information is found to be inaccurate or unverifiable, correct or delete the item. 
XXXX XXXX XXXX Consumer Financial Protection Bureau Requested Actions Please conduct a thorough re-investigation of the account with the above-listed inaccuracies. 

In accordance with the FCRA, if any portion of this account is found to be inaccurate or unverifiable, delete or correct the entry and send me a revised credit report. 

Provide me with your findings in writing within the statutory timeframe and, if applicable, a description of the procedure used to verify the information, along with the furnishers name and contact information, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX suppress the negative and delinquent status of this account during the re-investigation. 

Enclosures A copy of my credit report with the relevant account highlighted. 

Photocopy of my government-issued ID and a utility bill to confirm my identity and address. 

Any other supporting documentation available. 

Summary Table Request Legal Basis Re-investigate account 15 U.S.C. 1681i ( a ) Delete or correct inaccurate info 15 U.S.C. 1681i ( a ) ( 5 ) Provide re-investigation results & procedure 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Please acknowledge receipt of this request and complete your re-investigation promptly, as required by federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation