vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding account number XXXXXXXX XXXX XXXX XXXX XXXX  after being financially impacted by the COVID-19 pandemic due to my employment being shut down. At the time I contacted XXXX XXXX, the account was not past due. XXXX XXXX provided a COVID-19related payment accommodation, which I accepted and complied with. 

Under Section 4021 of the CARES Act, when a furnisher provides a COVID-19 accommodation and the consumer complies with its terms, the furnisher is required to report the account as current ( or maintain the account in its pre-accommodation status ) during the accommodation period. 

Despite granting the accommodation, XXXX XXXX continued to report the account as delinquent and as if no payments were made, without updating the account to reflect the CARES Act accommodation. This inaccurate reporting occurred over multiple years and does not reflect the true status of the account during the accommodation period. 

In XXXX, I filed a prior CFPB complaint regarding this issue ( CFPB Complaint No. XXXX ). In response, XXXX XXXX stated that they reported the account according to the original agreement, confirming that the accommodation was not reflected in their credit reporting. 

In XX/XX/XXXX, XXXX XXXX notified me that the accommodation period had ended and that payments would revert to the original agreement. However, the accounts historical reporting was never corrected to reflect the CARES Act accommodation period as required by law. 

This reporting is inaccurate, misleading, and violates the CARES Act and the Fair Credit Reporting Act. As a result, my credit report does not accurately reflect my payment status. 

I am demanding that this inaccurate account be either removed from my credit profile or immediately corrected to reflect that the account was current during the COVID-19 accommodation period that was agreed upon. 

I have attached XXXX XXXX response and referenced the prior CFPB complaint as supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding account number XXXXXXXX XXXX XXXX XXXX XXXX  after being financially impacted by the COVID-19 pandemic due to my employment being shut down. At the time I contacted XXXX XXXX, the account was not past due. XXXX XXXX provided a COVID-19related payment accommodation, which I accepted and complied with. 

Under Section 4021 of the CARES Act, when a furnisher provides a COVID-19 accommodation and the consumer complies with its terms, the furnisher is required to report the account as current ( or maintain the account in its pre-accommodation status ) during the accommodation period. 

Despite granting the accommodation, XXXX XXXX continued to report the account as delinquent and as if no payments were made, without updating the account to reflect the CARES Act accommodation. This inaccurate reporting occurred over multiple years and does not reflect the true status of the account during the accommodation period. 

In XXXX, I filed a prior CFPB complaint regarding this issue ( CFPB Complaint No. XXXX ). In response, XXXX XXXX stated that they reported the account according to the original agreement, confirming that the accommodation was not reflected in their credit reporting. 

In XX/XX/XXXX, XXXX XXXX notified me that the accommodation period had ended and that payments would revert to the original agreement. However, the accounts historical reporting was never corrected to reflect the CARES Act accommodation period as required by law. 

This reporting is inaccurate, misleading, and violates the CARES Act and the Fair Credit Reporting Act. As a result, my credit report does not accurately reflect my payment status. 

I am demanding that this inaccurate account be either removed from my credit profile or immediately corrected to reflect that the account was current during the COVID-19 accommodation period that was agreed upon. 

I have attached XXXX XXXX response and referenced the prior CFPB complaint as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am writing to formally dispute the following charged-off account that appears on my credit report. It is inaccurately reported and I request a thorough investigation to verify its validity : Charged-Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry : 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 2025-12-23 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: MD

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate and inconsistent information on my credit file despite my attempts to correct it. I am a consumer trying to fix my credit, and I have identified several accounts and inquiries that appear incorrect, duplicated, or unverifiable. 

Previous Address : Equifax is reporting outdated or inaccurate address information that I no longer reside at. I request that any previous addresses not associated with my current residence or verified credit accounts be removed. 

Charged-Off Accounts in Dispute : The following accounts are reported inaccurately or appear duplicated, unverifiable, or outdated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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} Many of these accounts appear duplicated, report conflicting balances or open dates, or may no longer be verifiable. I request a full reinvestigation and deletion of any unverifiable or duplicate entries. 

Inquiries : XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request verification or removal if unauthorized. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( duplicate listing ) I request Equifax to XXXX the accuracy and timing of each reported late payment, as some appear inconsistent with my payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the information reported on my credit reports with the three major credit bureaus : Experian. Below is a detailed account of the items I am disputing, separated by bureau. 

Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$21000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX Late Payment : 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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
Fair Collections & OUT is trying to collect a debt I do not owe nor have knowledge of. The original creditor was XXXX XXXX XXXX no longer in business. I dispute this alleged debt in full. This account is being improperly re-aged and reported. This debt is inaccurate. I leased an apartment at XXXXXXXX XXXXXXXX on XX/XX/XXXX, through XX/XX/XXXX. My leased ended XX/XX/XXXX. I owed no rent at move-out and paid a {$1300.00} security deposit. I never received a final accounting or bill. This account is being improperly reported by a company that was not the original landlord. This account is reporting open in XXXX as a new debt. Reporting this as a new debt in which violates FCRA 623. This statement is not an acknowledgment of liability or an agreement to pay re-aged debt that I have no acknowledgment of debt. I request for validation pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692g and 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 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am formally requesting that your company immediately cease contacting any of my relatives regarding this alleged debt. This debt does not belong to them, and they are not listed on any documentation or paperwork associated with this account. 

Your company does not have my permission to disclose any debt-related information to third parties, nor were you authorized to obtain or use my relatives contact information. Despite this, multiple family members have been repeatedly contacted by phone, which is unacceptable. 

This behavior constitutes harassment and a violation of my privacy. The continued outreach to individuals who are not involved in this matter and have no legal or contractual obligation related to this debt must be investigated immediately. 

I request written confirmation that all third-party contact has ceased and that my relatives information has been removed from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Dear Sir/Madam, 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 : Charged Off 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 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 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 2025-12-23 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: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I received a call on XX/XX/year> telling me that she was informing me of an order of location by which I would be physically located at my home or place of employment. She kept saying that a court order will be filed. I told her I didn't know what she was talking about or why she was contacting me. Apparently, this is through a company called XXXX on behalf of Acima Leasing. They're threatening to contact my place of employment and relatives. I told them to not contact me again. They called me again afterward. This is harassment. It's also stalking for them to contact people who know me with the intent to gain my physical location information. I told them if they do not stop contacting me or others about me, I will get an attorney involved. Please get these people to stop harassing me and my family members!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

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 2025-12-23 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: NY

Complaint narrative:
I am filing this complaint because multiple accounts are appearing on my credit report that are completely unknown to me. These accounts are being reported under my name without my authorization or awareness, and I have never opened, managed, or benefited from them. This is entirely unacceptable and results in inaccurate and misleading information being associated with my credit profile. I take my financial reputation very seriously, and the presence of these unknown accounts has caused significant concern and distress.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-12-23 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: PA

Complaint narrative:
I am a victim of a serious identity-theft incident involving a SIM-swap attack. 
While my mobile number was inactive, it was fraudulently ported to another carrier, allowing criminals to take complete control of my digital life. 
They gained access to over twelve years of email history, my XXXX account and personal files, every social-media profile tied to two-factor authentication, and all of my bank and credit-card accounts. The intruders immediately changed every recovery email and phone number, leaving me locked out of XXXX XXXX XXXX, all of my email accounts, and my banks. Because my personal data including Social Security number, birth date, and passwords was stolen, the thieves were able to retrieve usernames and reset passwords at multiple financial institutions. For example, my bank only required my SSN, date of birth, and last name to reset access. I even received bank emails notifying me that someone had retrieved my username and changed my password, but by then I could not stop them. As a direct result of this identity theft, the following accounts appeared on my credit report even though I never applied for or authorized them : 1.XXXX  of XXXX credit card account opened XX/XX/XXXX, balance {$0.00}, account number ending XXXX. 
2. XXXX XXXX auto loan - account opened XX/XX/XXXX, balance {$24000.00} I have never opened or used either of these accounts.Since this theft began, I have been living with intense XXXX  and frequent XXXX XXXX. The stress of knowing that someone is using my identity ordering goods in my name and even opening a credit card under my deceased fathers name has left me sleepless and deeply distressed. 
I am currently receiving counseling to help cope with the emotional toll this has taken. 
I share this not for sympathy but to underscore how urgent it is that these fraudulent records be removed from my credit file as quickly as possible. They are entirely fraudulent and stem from the SIM-swap identity takeover described above. I have filed an official FTC Identity Theft Report ( attached ) and reported the theft to my local police department and my mobile carrier. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I request that you, Conduct a reinvestigation of these accounts, Block and permanently remove them from my credit file, and Send me written confirmation and an updated copy of my credit report once the deletions are complete. This situation has been devastating, and I appreciate your prompt attention in clearing these fraudulent accounts from my record.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: CA

Complaint narrative:
Company : Meta Platforms , Inc. ( XXXX XXXX XXXX XXXX  XXXX  ) I paid for Meta XXXX XXXX ) advertising using XXXX XXXX, which was processed through XXXX XXXX  ( XXXX XXXX  ). Immediately after payment, my Meta ad account was permanently locked for suspicious activity. I was unable to access the advertising service, XXXX XXXX or any billing or refund tools. 

Ads did not run, or only ran briefly before the account was locked. Meta does not provide telephone support, and account termination prevents me from contacting billing support or requesting a refund. XXXX XXXX confirmed they can not issue a refund without Metas authorization. XXXX XXXX reviewed the transaction and stated it is unrecoverable through them. 

I am requesting a refund for services not rendered due to account termination and lack of any refund resolution channel.

Company response to consumer: Closed with explanation