vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent [ account/inquiry ] that appears on my credit report under the name of Credit Acceptance. I did not authorize this [ account or inquiry ], and I have never done business with your company. I believe this [ account/inquiry ] is the result of identity theft and was opened without my knowledge or consent. Please investigate this matter, provide me with any documentation you have regarding this account or inquiry, and remove it from my credit report immediately. I never gave consent to this company and do not have any knowledge of credit acceptance opening and taking my information. PLEASE REMOVE IMMEDIATELY!!!

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 2025-07-21 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: MI

Complaint narrative:
Executor Letter of Dispute and Demand for Immediate Correction Affirm Account From the Office of the Executor : Estate of XXXX XXXX XXXX Mailing Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : XX/XX/year> TO : Affirm, XXXX. 
[ Note : No valid address or contact info appears on credit report ] Re : Disputed Account {$180.00} Balance, Negative Reporting NOTICE OF UNLAWFUL FURNISHING AND DEMAND FOR REMOVAL Re : XXXX  XXXX  ACCOUNT INACCURATE & UNVERIFIABLE TRADELIN NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned Executor of the Estate of XXXX XXXX XXXX, do hereby issue this formal demand to remove and cease furnishing a reported XXXX  XXXX  account currently appearing on my credit profile with a balance of {$180.00} and marked with a late payment history. 

This tradeline is : Inaccurate, Unverifiable, Unlawful under federal law, And is materially damaging to the commercial credit profile of the XXXX. 


XXXX & BASIS FOR DISPUTE Upon inspection of the credit report, I found no associated phone number, mailing address, nor any means of lawful communication provided for XXXX, violating my right to remedy and dispute under federal law. 

The reporting of late payments is not authorized under FCRA when based on consumer-level transactions, as transactional behavior is not credit performance but a reflection of alleged activity which does not rise to the level of default unless adjudicated. 

You are currently : Reporting damaging data without lawful authority or transparency Failing to provide contact details, which obstructs due process Engaging in XXXX XXXX furnishing without clear evidence of contract, consent, or knowledge VIOLATIONS INVOKED Your actions constitute a violation of several consumer protection laws, including : FCRA XXXX ( a ) ( XXXX ) : Duty to furnish accurate and complete information FCRA XXXX ( b ) : Failure to establish reasonable procedures for maximum possible accuracy FCRA XXXX ( a ) : Failure to respond to consumer dispute with verification FCRA XXXX XXXX a ) : Failure to disclose furnisher identity and contact information XXXX XXXX ( a ) : Unfair, deceptive, or abusive acts or practices ( UDAAP ) XXXX  XXXX : Lack of clear terms or financial disclosures All correspondence shall be directed to the mailing location of the Estate. You are now in lawful notice and demand. 

Respectfully, By : XXXX XXXX XXXX, Executor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
XXXX A VICTIM OF A DATA BREACH AND IDENTITY THEFT, KINDLY BLOCK AND DELETE THE ACCOUNT WITHIN XXXX BUSINESS DAYS AS REQUIRED BY FCRA XXXX, XXXX XXXX XXXX XXXX, ] |

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am a victim of identity theft and found several unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these fraudulent items. Ive attached a list of the disputed accounts and my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections are made.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Immediate Deletion Request for Unverified Accounts To Whom It May Concern, I am writing to request the immediate deletion of the following accounts from my credit file. I submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ) regarding these accounts XXXX days ago, and as of XX/XX/XXXX, none of the companies listed below have provided any response, documentation, or validation : XXXX XXXX XXXX XXXX XXXX XXXX Their complete failure to respond to a federal investigation is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Since the information they furnished can not be verified or supported, I am demanding the immediate removal of these accounts from all credit reporting records. 

Please provide written confirmation once the deletions have been processed. I have included the necessary documents to verify my identity. 

Thank you for your prompt attention.

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 2025-07-21 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: UT

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : LVNV Funding, LLC / Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Account # XXXX / Failure to Validate and Request for Immediate Deletion To Whom It May Concern, I am formally disputing the validity and reporting of the account referenced above under my name, XXXX XXXX ( SSN ending in XXXX ). Your response through the CFPB indicates this case was closed with non-monetary relief, which is insufficient and unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am exercising my right to demand full validation, including a copy of the signed agreement bearing my wet-ink signature, showing that I gave you or your company express consent to collect, report, or assign this debt. 

To date, you have failed to provide : A signed original contract or agreement with LVNV Funding/Resurgent Evidence that I authorized reporting to credit bureaus Proof of accurate itemization and ownership of the alleged debt Additionally, your reporting violates FCRA 623 ( Duties of Furnishers ) if the information is not 100 % accurate, complete, and verifiable. If you can not furnish this documentation, you are required by law to delete this account from all consumer reporting agencies immediately. 

Furthermore, under 15 U.S. Code 1681b, no entity may access or report my consumer information without a legally permissible purpose and explicit consent. 

Should you continue to verify this unverifiable account with credit bureaus, it will constitute willful non-compliance and I will not hesitate to pursue formal complaints with the CFPB, FTC, and potentially seek legal remedy under FCRA 616 and 617 for damages. 

I demand : Full deletion of account # XXXX from all credit bureaus A written response confirming deletion A copy of all documentation used to verify and report this account If no adequate response is received within 15 days, I will move forward with formal complaints and additional legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy. Despite waiting a lengthy amount of days after sending the letter, Equifax then removed the account a second time on XX/XX/year> and then reinserted it back on my credit report again for the second time on that very same day of XX/XX/year> resulting in further damage to my credit score thus continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
original credit card was XXXXXXXX commenity and they close and my original card had a promotion with 0 % for 18 month and i received XXXX  commenityy to replace XXXX XXXX made several attempt to find out why the balance was so high and interest at 30 % and the bills or letter sent to my home to resolve problem was told the account was charged off, now i have a debt collector suing me for triple the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-21 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 formally requesting the removal of an inaccurately reported late payment currently reflected on my credit report. I have thoroughly reviewed my financial records and can confirm that the payment in question was made in a timely and responsible manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal request to remove an account on my credit file that was opened without my permission. I have never applied for such an account and strongly believe this is a result of identity theft.

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 2025-07-21 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: NM

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX, i was hacked multiple times by an unknown source and lost monetary value cash value and credit value. my account was closed and i was unable to pay the amount owed for some time due to financial issues. Once i began payments again the institution i was loaned credit by has not updated the amount owed on my credit report. i filed a dispute with trans union and to no avail they found the information to be accurate, which i can prove the amount owed that is shown on my credit report 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Immediate Deletion Request for Unverified Accounts To Whom It May Concern, I am writing to request the immediate deletion of the following accounts from my credit file. I submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ) regarding these accounts 15 days ago, and as of XX/XX/XXXX, none of the companies listed below have provided any response, documentation, or validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their complete failure to respond to a federal investigation is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Since the information they furnished can not be verified or supported, I am demanding the immediate removal of these accounts from all credit reporting records. 

Please provide written confirmation once the deletions have been processed. I have included the necessary documents to verify my identity. 

Thank you for your prompt attention.

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