vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I financed a vehicle through Credit Acceptance Corporation and made payments for two years. I unexpectedly became unemployed and discovered I also had a XXXX that would impact on finding other employment. In addition, the other individual on the loan refused to take over the payments. 

I voluntarily surrendered the car to the dealership where I purchased it. I notified both Credit Acceptance about what action I had taken. I also, obviously let the dealership know. This was in XXXX of XXXX. 

Since then I have been receiving harassing phone calls up to ten times per day. I am not able to receive important, legitimate calls from businesses I have applied to for work, my family or friends because I have to leave the phone on silent so as to not interfere with my daily use of the phone. 

I want the company to stop calling me immediately. I have not found employment yet and I live on social security only. The other party on the loan is estranged from me and her whereabouts is unknown. 

I would appreciate your assistance with these phone calls as they are causing me a great deal of stress even though I hav done everything I know to do to let them know about my circumstances. 

Thank you.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The fact that the card was chip-activated does not prove that I authorized or made the transaction. I am currently in possession of my card, but that does not establish I had it during the disputed charges. Please provide your fraud investigation criteria and justification in writing. I also request reconsideration based on this evidence and my prior reports. 

While this dispute is ongoing, I was charged an annual fee. I request that this fee be waived or refunded until the dispute is resolved as well. It is inappropriate to assess ongoing charges while my account is frozen due to fraud. 

I will provide attach a copy here of each document I sent to Barclays Bank on XX/XX/scrub>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 2025-06-04 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: I.C. System, Inc.
State: LA

Complaint narrative:
Complaint Summary for IC System XXXX XXXX XXXX XXXX XXXX ) ( Acct ending in XXXX ) : This complaint concerns inaccurate reporting by IC System XXXX XXXX XXXX XXXX XXXX ) on my credit file under account number ending in XXXX. The following issues were identified : - Account was previously disputed and marked as meeting FCRA requirements, but continues to report negatively. 
- No evidence of reinvestigation provided following the initial dispute in violation of 15 U.S.C. XXXXi. 
- The original creditor is a utility company, and there is no proof of direct communication or billing statements. 

These issues violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( reinvestigation ), XXXX ( b ) ( accuracy ), and XXXX ( reporting periods ). In some cases, 15 U.S.C. XXXXg also applies. 

I am requesting the removal of this inaccurate information and am demanding {$1000.00} in statutory damages under 15 U.S.C. XXXXn for willful noncompliance. This letter is supported by an attached PDF documenting the 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 2025-06-04 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:
Collection account from XXXX XXXX XXXX appeared on credit reports in XX/XX/year> in the amount of {$260.00}. I have contacted the company requesting information as well as to dispute collection and never received a follow-up or response. I then disputed the collection through the credit bureaus and item keeps coming back as deleted although I have not been informed what the balance is for. When contacting the original creditor, they are unable to locate the account or records stating why a balance is owed and direct me to contact the collection agency who also does not have any information. The final bill I received from the original credit is for {$20.00} which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Received a phone call asking for a call back about a debt owed that has nothing to do with me. Never received a letter, an e-mail or any communication before this call. Just telling me to call back. I haven't done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
TransUnion is currently reporting a derogatory collection account from XXXX XXXX ( account ending in XXXX ) with a date of XX/XX/year>, and a balance of {$200.00}. I am formally disputing this account on the basis that it is inaccurate, unverifiable, and potentially the result of data mishandling, likely stemming from a broader data breach that has impacted the integrity of consumer credit records across the board. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is legally required to ensure that all data appearing in a consumers file is accurate, complete, and capable of being verified. Additionally, collection entries must also comply with the provisions of 15 U.S.C. 1692g from the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors provide timely and verifiable validation of debts upon request. In this case, I have not received any validation of this debt, and the reporting lacks sufficient documentation to substantiate the legitimacy or current status of the claim. 

The reporting of this account has had a materially negative effect on my credit standing. I was not notified of the debt in a timely or lawful manner, and I have reasonable grounds to believe that this derogatory entry may have been triggered by erroneous or unauthorized data submission, especially in light of recent industry-wide data security lapses.

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 2025-06-04 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: FL

Complaint narrative:
Summary of Complaint : I am writing to formally dispute inaccurate and potentially harmful information being reported to the credit bureaus by the following creditors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX  ). These inaccuracies are negatively impacting my credit profile and do not accurately reflect my credit behavior or payment history. I respectfully request that each of these matters be investigated in accordance with the Fair Credit Reporting Act ( FCRA ) and corrected or removed from my credit report as appropriate. 
________________________________________ Disputed Accounts and Issues : XXXX XXXX  XXXX XXXX  XXXX Issue : This account was reported as closed on XX/XX/XXXX, yet it reflects a balance of {$440.00}. 
o Concern : Closed accounts should not report a balance unless it is in collections, which this account is not. This reporting is misleading and inaccurate. 
XXXX. XXXX XXXX XXXX o Issue : The account inaccurately shows late payments for XXXX and XX/XX/XXXX. 
o Concern : I was not late during these months. I request a validation of the payment history and the removal of these false late entries. 
XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX o Issue : The account is reporting XXXX late payments. 
o Concern : I dispute the accuracy of these late payment notations and request validation of each. If proper verification can not be provided, I request they be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) o Account Opened : XX/XX/XXXX o Issue : This account contains inaccurate or incomplete data regarding payment history and/or current status. 
o Concern : I request a full investigation into the reporting of this account to ensure all data complies with FCRA accuracy standards. 
________________________________________ Action Requested : Under the FCRA, I am entitled to a reasonable investigation of any information I dispute. I respectfully request the following : A thorough investigation of each disputed item ; Removal or correction of any inaccurate or unverifiable information ; A written explanation of the outcome of each investigation ; An updated copy of my credit report reflecting the corrections, if any. 
Attached are any supporting documents I have available, including statements and correspondence with the creditors, if applicable. 
________________________________________ Closing : Please treat this matter with urgency. Inaccurate reporting not only harms consumers financial opportunities but also violates federal law. If the investigation results in no change, please provide detailed documentation supporting the continued reporting. 
Thank you for your attention and cooperation in resolving 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 non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Summary of Complaint : I am writing to formally dispute inaccurate and potentially harmful information being reported to the credit bureaus by the following creditors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX  ). These inaccuracies are negatively impacting my credit profile and do not accurately reflect my credit behavior or payment history. I respectfully request that each of these matters be investigated in accordance with the Fair Credit Reporting Act ( FCRA ) and corrected or removed from my credit report as appropriate. 
________________________________________ Disputed Accounts and Issues : XXXX XXXX  XXXX XXXX  XXXX Issue : This account was reported as closed on XX/XX/XXXX, yet it reflects a balance of {$440.00}. 
o Concern : Closed accounts should not report a balance unless it is in collections, which this account is not. This reporting is misleading and inaccurate. 
XXXX. XXXX XXXX XXXX o Issue : The account inaccurately shows late payments for XXXX and XX/XX/XXXX. 
o Concern : I was not late during these months. I request a validation of the payment history and the removal of these false late entries. 
XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX o Issue : The account is reporting XXXX late payments. 
o Concern : I dispute the accuracy of these late payment notations and request validation of each. If proper verification can not be provided, I request they be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) o Account Opened : XX/XX/XXXX o Issue : This account contains inaccurate or incomplete data regarding payment history and/or current status. 
o Concern : I request a full investigation into the reporting of this account to ensure all data complies with FCRA accuracy standards. 
________________________________________ Action Requested : Under the FCRA, I am entitled to a reasonable investigation of any information I dispute. I respectfully request the following : A thorough investigation of each disputed item ; Removal or correction of any inaccurate or unverifiable information ; A written explanation of the outcome of each investigation ; An updated copy of my credit report reflecting the corrections, if any. 
Attached are any supporting documents I have available, including statements and correspondence with the creditors, if applicable. 
________________________________________ Closing : Please treat this matter with urgency. Inaccurate reporting not only harms consumers financial opportunities but also violates federal law. If the investigation results in no change, please provide detailed documentation supporting the continued reporting. 
Thank you for your attention and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Ive asked for validation and verify this account because I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Complaint Against Cash App for Unauthorized Transaction and Mishandling of Fraud Claim On [ XX/XX/year> ], I noticed an unauthorized transaction on my Cash App account. {$310.00} was fraudulently taken from my Cash App balance and converted into XXXX without my authorization. The XXXX was then immediately sold and transferred to an unknown wallet. 

I reported this fraud to Cash App within XXXX hours of the incident on [ XX/XX/year> ]. According to Regulation E, Cash App is required to promptly investigate unauthorized electronic fund transfers and provide provisional credit while investigating. 

However, Cash App : Denied my original claim without properly investigating Failed to provide timely updates or a valid case number Mismanaged my claim to the point that I had to file the same claim twice Refused to provide restitution or provisional credit for the stolen {$310.00} Repeatedly told me to contact local law enforcement instead of properly handling the fraud internally, ignoring that the CFPB is the proper federal regulatory authority for such financial consumer protection Because of Cash Apps mishandling, I was forced to file a new claim after more than 10 days, with no resolution in sight. They have not complied with their obligations under Regulation E and have not taken proper responsibility for this clear account compromise and unauthorized transaction. 

I am requesting a full investigation into Cash Apps handling of my case and restitution of the {$310.00} stolen from my balance. 

I have documented all communications with Cash App, including screenshots and timestamps of their delays, denials, and contradictory responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Nearly XXXX years ago, my access to XXXX was unexpectedly restricted, and since then, I have been unable to use either my phone number or email address with the service. I was informed that the restriction was due to alleged fraudulent activity, but no such activity occurred on my part. I immediately contacted both XXXX and Bank of America, but neither party could provide a clear explanation or resolution. Instead, I was repeatedly redirected between the XXXX, receiving no useful information or next steps. To this day, I have not received a proper explanation or an opportunity to address the issue. 

Most recently, I received a response stating, We regret that we are unable to provide you with the details regarding your ineligibility ; however, we refer you to Section XXXX ( XXXX Right to Terminate Access ) of the XXXX XXXX User Service Agreement. This vague and impersonal response offers no clarity or support. Its deeply frustrating because XXXX is my only method of sending or receiving money, particularly with family members who live out of state. I do not drive, and I work XXXX XXXX, so I am unable to visit a bank branch easily. For birthdays or emergencies, I am unable to send money to my loved ones, which has caused emotional and practical strain. 

Ive spent the last week and a half once again calling Bank of America, trying to get answers, but I continue to receive no real help. As a result, Im beginning to question whether I should remain a Bank of America customer. Ive recently secured a stable job and am preparing to move out with a roommate who only accepts rent payments through XXXX. I explained my situation to her, but she told me that if I cant resolve it, Ill need to find somewhere else to livean extremely difficult position to be in as a recent college graduate. 

At this point, I am sincerely asking for a XXXX  chance. I am willing to provide any proof necessarysuch as bank statements, pay stubs, tax returns, or anything elseto show I have not committed any fraud and that I am a responsible customer. I have done nothing wrong, and I am pleading for this issue to be reviewed again so I can regain access to this critical service.

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 2025-06-04 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation