vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Im filing this complaint because Portfolio Recovery Associates continues to report inaccurate and unverifiable information about a collection account that I already disputed directly with them under FCRA 623 ( a ) ( 8 ).

I contacted Portfolio with documentation and requested proper validation including proof of ownership, the original signed agreement, and a complete payment history.

Instead of providing verification, they either failed to respond or continued to furnish conflicting and inaccurate information to the credit bureaus.

Heres what I found in my most recent 3-bureau report : XXXX  shows the account as open and 120 days late with a {$410.00} balance, while XXXX  and XXXX  show it differently one as closed, the other as charged off. 

The Date Opened ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) dont make logical sense for a collection account. 

Theyre reporting a Dispute resolved consumer disagrees remark even though my dispute was never properly investigated or resolved.

The balance of {$410.00} remains despite my validation request, and no evidence has been provided that Portfolio actually owns or has the right to collect on this debt.

These inconsistencies violate both FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known or believed to be inaccurate ) and Metro 2 reporting standards, which require consistency in account status, dates, and balance information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a security freeze on all 3 credit reporting agencies. I unfroze my Experian acct to apply for an auto loan which was denied 2 times for unable to verify identity. The Experian website provides NO WAY to reach a human being, their automated phone system is horrible and their AI Chatbot needs to be XXXX. After speaking with my lender, I attempted 2 other phone numbers they had for Experian with no more success. After filing a dispute online to correct an out of date employer, they removed this but provided no way to update with a new employer. The AI Chatbot suggested that my personal statement about contacting me directly about any application would not be the reason for a credit inquiry to fail. After finding a contact hack on XXXX, I actually got a human at Experian who was excellent and he said that was very likely the reason the inquiry failed. Not having a way to discuss an issue with a human is UNACCEPTABLE. 
Heres the hack : ( XXXX ) XXXX, option XXXX, ask to talk to be transferred to a live agent for your personal credit report. Works like a charm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/year>.... I sent {$120.00} to a friend, which hit REFUND because he no longer need it. TO which, the refund states per CASHAPP that the funds were sent ... Contact My Bank XXXX XXXX  XXXX XXXX... they stated no refund has hit my account ... Upon contacting CASHAPP .. They stated I have to wait XXXX more business days for my refund... They're thieves .. Getting the total run around... they use XXXX  Talk app ... I will never use CASHAPP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
on or about friday XXXX I contacted Charles Scwabs about a suspension on my brokerage account that is preventing me from brokering deals.

The suspension was due to returned checks that were no faught of my own. 

I submitted a copy of Memorandum of Understanding agreement between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX that they assured that no check will be returned or of any fraudulent nature. 

Trace number : XXXX belongs to XXXX XXXX XXXX XXXX XXXX XXXX thus any and all unfavorable activities is not on XXXX XXXX XXXX however they are on the issuer of the check XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with Schwab Operation managers and supervisors regarding the matter. They informed me they would be ending banking relationships with me today in regarding the matter however they are violating FDIC-insurance policy by suspending account over XXXX deduction from check valued at XXXX made to Wind Eye Trust for Account receivables according to XXXX XXXX XXXX and XXXX company Limited agreement whereby 5 % commission was legal. However the check was returned, and the contract with XXXX XXXX was voided, because they failed to assured the funds are clear and of no criminal origin from a legal source. Which turned out to be a fraud. 

The account is insured up to the standard maximum of {$250000.00} per depositor, per insured bank, for XXXX XXXX account owner in the event something like this takes place. 

There for the bank has no legal reason to suspend accounts by insurance policy, I am requesting that any and all suspensions be lifted and account remain open for posterity of XXXX XXXX XXXX XXXX Company be that XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I disputed a {$500.00} XXXX charge that I had already paid outside the app. I provided documentation and even received a message from XXXX pressuring me to drop the dispute. Despite providing evidence and appealing, my bank sided with the merchant. Im requesting a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following items on my Experian credit report. These accounts contain inaccuracies or incomplete information, which I request be investigated and corrected. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 {$1500.00} I dispute these charged-off accounts. Please verify with the creditors and remove any accounts that can not be fully validated.

Inquiries No inquiries currently listed for dispute. 

Late Payments No late payments currently listed for dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
On XX/XX/2025 sent a dispute to Experian, Transunion and XXXX  had no data of the Charge-off account XXXX. Well Transunion and XXXX  came back as verified account. How can XXXX have two company name, different address, city/states and different phone numbers? Im under the impression all credit reporting should be the same all accounts information across the board. Even with no data.

This inaccurate has ruin my financial ability to do anything for years.

15 usc 1681s-2b ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I purchased a car from XXXX  XXXX of XXXX located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. It was defective and not disclosed properly before sale. The car would not start when rented out on XXXX, and I have photos showing red brake and engine warning lights. XXXX knowingly sold me a faulty vehicle, violating these laws : - Magnuson-Moss Warranty Act ( 15 U.S.C. 2301-2312 ) - Federal Trade Commission Act banning deceptive practices ( 15 U.S.C. 45 ) - Federal Motor Vehicle Safety Act requiring remedy of defects ( 49 U.S.C. 30120 ) - Odometer Act requiring accurate vehicle information ( 15 U.S.C. 50 ) - State Unfair and Deceptive Acts and Practices ( UDAP ) laws - State Lemon Laws protecting buyers of defective vehicles - State disclosure laws mandating disclosure of known defects - Breach of implied warranty protections under state law - Common law fraud due to failure to disclose known defects - Negligence in failing to provide a safe and functional vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX XXXX : XXXX, XX/XX/XXXX, {$13000.00} XXXX XXXX XXXX : XXXX, XX/XX/XXXX, {$8000.00} XXXX : XXXX, XX/XX/XXXX, {$40000.00} XXXX : XXXX, XX/XX/XXXX, {$10000.00} XXXX : XXXX, XX/XX/XXXX, {$16000.00} XXXX XXXX  XXXX : XXXX XXXX XX/XX/XXXX, {$27000.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$9600.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX, {$540.00} XXXX XXXX  XXXX : XXXX XXXX XX/XX/XXXX, {$3700.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$28000.00} Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Since XX/XX/XXXX, I have been unable to freeze my credit with Equifax. I am unable to access my account, despite attempts to contact Equifax over the phone after being unable to use the website to reset my password. I have tried to create a new account as well, which is not possible. I most recently attempted to reset my password and create a new account on XX/XX/XXXX. Neither worked. Because of this, my credit can not be frozen, only locked through a separate website Equifax uses called Lock and Alert. This is not the same as a credit freeze and is not an acceptable alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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