vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am a victim of identity theft and Ive made police reports in the past regarding my claim. I want them remove from my Credit report profile as soon as possible. I am entitled to have fraudulent information blocked and deleted under15 U.S.C.1681c-2a

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WA

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

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX WA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXF XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
When checking my credit report I noticed an auto loan that is not mine. 

I am a victim of Identity theft. I have filed multiple police reports. The police has located an individual in South Carolina who has been working, operating a business and stealing my social security benefits since XXXX. 

I have attach a police report that verfies the investigation. I have made the auto loan servicer aware of this and they agreed to send out a fraud packet ; that they never sent. I was asked to email in Police Report etc. which I did and never received a follow-up or repsonse. 

Due to XXXX I have been unable to drive since XXXX ; which Is why I know this auto loan does not belong to me. I have never owned a vehicle nor applied for one since my 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested a deletion of a XXXX XXXX account off of my experian credit profile. I have gotten no compliance. I also requested the contract between me and experian granting experian consent to furnish this information. This is a violation of the FCRA and consumer laws.15 usc 1681b

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 2025-07-02 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: AL

Complaint narrative:
I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

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 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Dear Sir/Madam : This letter serves as a formal demand regarding the consistent denial of the use of credit enhancements, specifically overcollateralization, in connection with my auto loan financing for a XXXX XXXX XXXX XXXX As the purchaser under the Retail Installment Sales Contract ( RISC ) dated XX/XX/XXXX, and with Exeter XXXX acting as the servicer of the contract, I am writing to assert my rights and to request immediate remedial action. 

Background Under the terms of the RISC, the contract provided the following specific financial terms : an annual percentage rate ( APR ) of XXXX XXXX, a finance charge of {$13000.00}, an amount financed of {$21000.00}, and a total of payments amounting to {$35000.00}. Exeter XXXX prospectus defines Credit enhancement as follows : Credit enhancementA financial arrangement, such as overcollateralization, cash reserve account, excess spread, insurance or a third party guarantee, that is designed to reduce credit risk by partially or fully compensating an investor in the event of specified losses. 
Additionally, OvercollateralizationA credit enhancement method whereby excess collateral is posted to obtain financing. 

The Grievance Despite the defined availability of overcollateralization as a credit enhancement feature in my contract and the representations made in Exeter XXXX prospectus, I have been consistently denied the use of these credit enhancements. Specifically, on the XXXX of every month, I have been forced to make my payments in cash, rather than applying the overcollateralized funds as intended under the contracts implied terms. This denial effectively undermines a key benefit promised by the financing arrangement. 

Legal Basis for Claims XXXX. Breach of Contract : The consistent refusal to allow the application of overcollateralized funds for payments constitutes a breach of the Retail Installment Sales Contract. The failure to deliver the promised or implied credit enhancement feature has materially undermined the value and benefits of the financing agreement. 

XXXX. Texas Deceptive Trade Practices Act ( DTPA ) : Exeter XXXX actions in denying access to the overcollateralization feature represent misrepresentations regarding the characteristics, uses, and benefits of the credit offered. Moreover, this practice amounts to an unconscionable action by taking advantage of my position as a consumer to a grossly unfair degree. I reserve my right to assert claims under Tex. Bus. & Com. Code Ann. 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 12 ), and 17.50 ( a ) ( 3 ).

3. Truth in Lending Act ( TILA ) : I reserve the right to pursue claims under TILA, as the current disclosures may be considered misleading or inaccurate if the promised credit enhancements are rendered unusable in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
This is XXXX XXXX XXXX and this to not a 3rd party filing the report. Please review those documents I have attached. Those account La that are on their are not mine. Please remove immediately for they are damaging my financial reputation. 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 2025-07-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am contacting you regarding a fraud claim that was recently denied on my Chase Sapphire Reserve account ending in XXXX ( lost card ending in XXXX ). I lost my card in XXXX XXXX, CA when I was visiting between XX/XX/XXXX and XX/XX/XXXX. I live in XXXX XXXX, CA which is approximately XXXX miles, and more than eight hour drive, from where the card was used in person. I did not notice the card was lost until I saw unauthorized charges posted on the account between XX/XX/XXXX and XX/XX/XXXX, there are XXXX unauthorized charges made in the XXXX neighborhood of XXXX XXXX, with repetitive stops at XXXX ( XXXX total transactions ), XXXX ( XXXX transactions ), XXXX XXXX  ( XXXX transactions ), XXXX XXXX XXXX XXXX XXXX transactions ), XXXX ( XXXX transactions ), and XXXX additional XXXX fast food ( XXXX transaction ). The purchases total {$980.00}. These purchases were made in person in XXXX XXXX, and I was in the XXXX XXXX XXXX XXXX at the time. I was not present, and did not authorize these charges, and they do not reflect my usual spending behavior. I have proof of my presence in the XXXX XXXX, including other charges, public transit and parking charges, and auto insurance tracking my vehicle, and I used my apple pay and other apps to pay in person during the time that the fraudulent charges were made in XXXX XXXX, XXXX miles away. When I noticed the fraudulent charges, I immediately reported fraud and was notified by Chase that my card would be cancelled and I would receive a new card. Due to the notification that my card was canceled and that I would receive a new card, I assumed that the issue with the card was closed, the case would be reviewed and I had no further action. 

Chase has denied the fraud claims due the card being used in person and due to the fact that once I reported the fraudulent charges, I did not report the card lost. They state that I must have still had possession of the card. This is incorrect, the card was lost, and the charges were fraudulent. I can confirm that I did not authorize or make these transactions, nor did I give my card or card number to anyone else. These charges are inconsistent with my typical use, and I request a full reinvestigation of this dispute under Regulation Z of the Truth in Lending Act and Chase 's zero liability policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding a tradeline being reported by XXXX/ XXXX XXXX XXXX. The account is listed on my credit report but contains missing or incomplete data, including no credit limit and unclear account status. The balance is listed as {$0.00} with no further information. 

I formally dispute this account under the Fair Credit Reporting Act ( FCRA 611 ) and have requested verification. If this account is valid, it must report accurate details such as credit limit, usage, and account type. If it can not be verified or lacks full reporting, it should be deleted.

This inaccurate reporting may be negatively affecting my credit score, and I request the CFPB to investigate and take appropriate enforcement action. 

Please contact me directly at ( XXXX ) XXXX if additional verification is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I am filing a complaint regarding a tradeline being reported by XXXX/ XXXX XXXX XXXX. The account is listed on my credit report but contains missing or incomplete data, including no credit limit and unclear account status. The balance is listed as {$0.00} with no further information. 

I formally dispute this account under the Fair Credit Reporting Act ( FCRA 611 ) and have requested verification. If this account is valid, it must report accurate details such as credit limit, usage, and account type. If it can not be verified or lacks full reporting, it should be deleted.

This inaccurate reporting may be negatively affecting my credit score, and I request the CFPB to investigate and take appropriate enforcement action. 

Please contact me directly at ( XXXX ) XXXX if additional verification is needed.

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