vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/XXXX I C System Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Account No. XXXX ( Original Creditor : AT & T U-Verse ) To Whom It May Concern, This letter is a formal request for validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

According to my XXXX  credit report dated XX/XX/XXXX, your company is reporting a collection account allegedly opened on XX/XX/XXXX, for {$260.00}, originally owed to AT & T U-Verse. This account is marked Potentially Negative and scheduled to remain on file until XX/XX/XXXX. 

Under federal law, I have the right to request full validation of this debt before any further collection activity or credit reporting. Please provide : 1. A complete payment history showing how the balance of {$260.00} was calculated, including all late fees, interest, and credits applied.

2. A copy of the original service agreement or contract bearing my signature.

3. Proof that you have the legal right to collect this debt, including a full chain of assignment from AT & T U-Verse to your company.

4. Verification of the date of first delinquency ( DOFD ) and proof of compliance with the seven-year reporting limit under 15 U.S.C. 1681c ( a ).

5. Evidence of your license to collect debts in my state, if required by law. 

Until you provide the requested validation, you must cease all collection activity and remove this account from all credit reporting agencies as required under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue civil action for any violations of my consumer rights. 

I expect your written response within 30 days of receipt of this letter. 

Sincerely, 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 2025-08-12 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-13 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Rest to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-08-13 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried closing my checking account ending in XXXX to be closed. Not getting any help.

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 2025-08-12 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:
THIS PROBLEMS NEED TO STOP, I WILL NOW EXPLAIN WHAT IS GOING ON. UNDER MY NAME THERE ARE SOME INQUIRES WHICH I DONT KNOW HOW THEY CAME HERE, THEY ARE NOT MINE AND I DONT KNOW WHAT HAPPENED AND HOW DID THESE COME HERE BUT I ALREADY CALLED AND SPOKE TO THE PLACES THAT MADE THESE APPEAR ON MY NAME, HERE ARE THE INQUIRES THAT I AM TALKING ABOUT FIRST ONE IS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THEN XXXX XXXX XXXXXXXX MADE ON XXXX, AND THE LAST ONE IS XXXXXXXX XXXX XXXX MADE ON XXXX. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
USC 1681g requires that these accounts, wrongly linked to me, be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest had told me to make a payment by XX/XX/XXXX. I had talked to them various times about being out of work due to health issues. I made a payment by XX/XX/XXXX. They did not specify the amount I had to pay just that I had to make a payment. After I made that payment it said on my account I have to make another payment by XX/XX/XXXX. It is XX/XX/XXXX. I was planning to make another payment this week. Today they came and reposed my vehicle which their repo company violated breach of peace. I had asked him to leave multiple times and leave my property which he said he could not. This caused me emotional and mental distress from both companies. I have XXXX and XXXX  and this has made me spiral. Both parties were unhelpful. Bridgecrest was rude and was unwillingly to help. My rights were violated and both of these companies should be held accountable.The repo company is XXXX XXXX I did not get the guys name who was repossessing my vehicle and Bridgecrest refused to give me the company name just a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Dear CFPB, Debt Collector : Caine Weiner I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.


Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CT

Complaint narrative:
American credit acceptance charges fees and cant tell you what they are for they also charged me {$370.00} for a flatbed fee when the car was repossessed which was inaccurate because the repo place does not use flatbeds. I contacted the place and was told by the guy that he does not own a flatbed and has had issues with this company ( American credit acceptance ) many times. Also they reversed a payment 30 days later and told me that I disputed it with the bank which I did not. And they put my car into repo which I contacted the repo place and I was told my car is not in the system at all, they are doing some shady stuff and charged my the {$370.00} and used my monthly payment towards that instead of using it towards my actual payment. Something isnt correct with this company and everytime you ask to talk to someone they say theres no one here and that they are going to tell me they same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau against TransUnion, Equifax, and Experian for continuing to report fraudulent accounts on my credit file despite my providing proof of identity theft, including a police report and an FTC Identity Theft Report. 

On XX/XX/XXXX, I filed a police report with the XXXXXXXX XXXX XXXX  ( Case No. XXXX ) documenting that XXXX XXXX XXXX used my personal identifying information without authorization to obtain credit and services. I also filed an FTC Identity Theft Report ( FTC Report No. XXXX ) that lists the fraudulent accounts. 

The fraudulent accounts are : First Premier Bank Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$650.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$150.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$710.00} XXXX XXXX XXXX XXXX Account No. XXXX XXXX began : XX/XX/XXXX Amount : {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau against TransUnion, Equifax, and Experian for continuing to report fraudulent accounts on my credit file despite my providing proof of identity theft, including a police report and an FTC Identity Theft Report. 

On XX/XX/XXXX, I filed a police report with the XXXXXXXX XXXX XXXX  ( Case No. XXXX ) documenting that XXXX XXXX XXXX used my personal identifying information without authorization to obtain credit and services. I also filed an FTC Identity Theft Report ( FTC Report No. XXXX ) that lists the fraudulent accounts. 

The fraudulent accounts are : First Premier Bank Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$650.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$150.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$710.00} XXXX XXXX XXXX XXXX Account No. XXXX XXXX began : XX/XX/XXXX Amount : {$450.00}

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 explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-13 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 am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX  And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief