vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 am submitting this complaint regarding inaccurate and incomplete information being reported on my Experian credit report. I have reviewed my report carefully and identified several accounts and inquiries that I do not recognize, do not belong to me, are inaccurately reported, or can not be properly verified. These items are negatively impacting my credit profile. 

Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$0.00} XXXX Account No. XXXXXXXX XXXX XXXX  | Opened XX/XX/XXXX | Balance {$0.00} Unauthorized / Unverifiable Inquiries ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Was told I had a check if I was the person they were looking for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am disputing inaccurate and unverifiable information reported by Experian. 

Charged-Off Accounts There are no charged-off accounts listed for dispute under Experian at this time. 

Inquiries XXXX XXXX XXXX XXXX I do not recognize or recall authorizing this inquiry. Please verify that it was made with a permissible purpose and my consent. 

Late Payments XXXX XXXX Account Number : 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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: PA

Complaint narrative:
I received a letter from a Ideal Collections ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. They are a debt collection agency. The debt was for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Enclave XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) - I spoke to someone named XXXX, who advised me that there is nothing they can do about this. The debt is over XXXX XXXX XXXX have never lived outside of XXXXXXXX XXXX There are addresses appearing on my background report that do not belong to me in XXXX XXXX XXXX  I was involved in multiple data breaches through former employers and my bank. It appears that the rental property was obtained in XXXX, XXXX I have reported this to as many people and agencies that I could think of. I have yet to hear back from ANYONE regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am disputing several accounts and inquiries on my Equifax credit report. These accounts contain incomplete or inaccurate information, and I request that they be corrected in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries None reported. 

Positive Accounts None reported. 

Student Loan None reported. 

Late Payments None reported. 

Previous Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. These items are negatively impacting my credit and have not been properly validated as required under the Fair Credit Reporting Act. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: VA

Complaint narrative:
Someone opened up a credit card in my name unauthorized

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 2025-12-28 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:
I am submitting this complaint to formally dispute inaccurate, incomplete, and misleading information appearing on my Equifax credit report. After reviewing my report, I identified multiple charged-off accounts that are being reported inconsistently, including duplicate entries under the same account number with different balances and reporting dates. This type of reporting is confusing, damaging, and does not reflect an accurate credit history.

In particular, the Department of Education/XXXX account is reported multiple times under the same account number but with varying balances and dates, which strongly suggests duplication or improper reporting. Additionally, other charged-off accounts listed below have not been properly validated or supported with complete documentation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing these accounts and requesting that Equifax conduct a full reinvestigation, require the furnishers to provide complete verification, and delete any account that can not be fully verified or is inaccurately reported.

Accounts in dispute Equifax : XXXX Acct # XXXX ( multiple entries with conflicting balances and dates ) XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
I am writing to dispute certain information in my credit report dated XX/XX/XXXX. The following accounts are inaccurately reported, and I request a full investigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Account : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account is reporting an incorrect payment status, indicating it is late. I request a review and correction of this account. 
XXXX. Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX There are discrepancies in the reported status of this account. Please verify and update the accounts information.

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 2025-12-28 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: NV

Complaint narrative:
I am submitting this complaint to dispute inaccurate and misleading information on my Experian credit report. I am working to ensure my credit report reflects only accurate and verified information. 

Charged-Off Accounts I dispute the following accounts : XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1000.00} ) Some of these accounts are reporting inaccurate balances, outdated information, or are being reported in a way that negatively affects my credit. I request Experian verify the accuracy of these accounts and correct or remove any information that can not be verified.

Credit Inquiries in Dispute XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing all of these inquiries. I request verification or removal if they can not be confirmed. 

Late Payments XXXX XXXX XXXX Acct XXXX I dispute this late payment and request it be corrected or removed if it can not be verified.

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 2025-12-28 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: NY

Complaint narrative:
I am disputing the following inquiries on my Experian credit report, which I did not authorize or initiate through any credit transaction : XXXX XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery Associates , LLC has ( XXXX ) accounts listed with all ( XXXX ) credit reporting agencies since XXXX. These accounts were legally disputed in XX/XX/XXXX via certified mail with the company themselves, & the ( XXXX ) credit reporting agencies. All involved were notified of the XXXX days given to legally validate the debts per federal level. 
The company failed to comply with my request to delete these accounts until fully validated. This violates the Fair Debt Collection Practices Act & Fair Credit Reporting Act. These continued actions constitute willful & negligent violations of the federal law. 
The company failed to provide : - Original contract or agreement bearing my signature - Complete chain of assignment - Proof of your legal authority to collect in Wisconsin - Full itemized accounting of all charges - Complete payment history - Proof that the Wisconsin statute of limitations has not expired - Internal notes, call logs, and collection records These accounts are formally DISPUTED again in XX/XX/XXXX. Any continued collection activity, credit reporting, or third-party disclosure without full validation will be treated as additional, documented violations. 
FDCPA Violations Include : 15 U.S.C. 1692g ( b ) - Failure to cease collection activity 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair or unconscionable practices 15 U.S.C. 1692c ( c ) - Unlawful communication after cease notice FCRA Violations Include : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) Govern yourselves accordingly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Desired Resolution : I request the CFPB 's intervention to ensure XXXX : 1. Formally responds to the legal demand letter they will receive and engages in good-faith settlement negotiations. 
2. Immediately ceases all unlawful third-party communications.

3. Brings both accounts ( # XXXX and # XXXX ) current by waiving all related fees and penalties as a direct remedy for their unlawful collection activity. 
4. Provides fair compensation for the FDCPA violations and the distress caused by their non-response.

5. Institutes proper training to prevent these violations.

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 2025-12-28 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am providing formal notice that the Ally Bank account currently appearing on my credit file is the subject of an active fraud investigation.

Under 15 U.S.C. 1681c-2, once a consumer alleges fraud or identity theft, the credit reporting agency shall block the reporting of the information and may not continue to report it while the investigation is unresolved.

Additionally, continued reporting violates : 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibition against furnishing information known or reasonably believed to be inaccurate 15 U.S.C. 1681s-2 ( b ) duty to investigate and verify disputed information with competent evidence You are now on actual notice that this account is disputed due to fraud. Any continued reporting, reinsertion, or verification without documented proof constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

ACCOUNT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NV

Complaint narrative:
I am filing this dispute regarding inaccurate and incomplete information appearing on my Equifax credit report. After reviewing my report, I identified charged-off accounts that I believe are being reported incorrectly. Under the FCRA, Equifax must ensure all information is accurate, complete, and verifiable. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | XXXX {$1200.00} XXXX XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | XXXX {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am formally disputing the alleged deficiency balance and related credit reporting on my auto loan with Credit Acceptance Corporation. This account is considered in legal dispute, and I may pursue further legal remedies if the matter is not resolved promptly. 

Shortly after purchase, the vehicle was found to have an emissions-related defect involving the catalytic converter. I reported the issue at the time, and the repair was performed promptly within 48 hours. I ceased making payments early in the contract. 

A month or so after purchase, the vehicle was involved in an accident with a deer. I repaired the vehicles mechanical components, including the radiator, headlight assembly, and other critical parts, leaving the vehicle in repairable condition. At repossession, replacement parts ( such as a new water outlet ) were still in the vehicle. 

Credit Acceptance allowed the account to accrue over 20 separate 90-day late reports without initiating repossession or contacting me. I was required to call Credit Acceptance multiple times before they arranged repossession. This demonstrates unreasonable and mismanaged collection practices, which contributed to an inflated alleged deficiency balance. 

The vehicle was repossessed, and I was verbally told it would be sold at auction. I have never received confirmation of sale, auction documentation, or accounting of proceeds, and it has been over 90 days since repossession. Despite this, Credit Acceptance has added substantial post-repossession fees and interest, and the account balance has increased instead of decreasing.

I dispute the accuracy of : The entire alleged deficiency balance, including unpaid principal, accrued interest, and post-repossession fees Credit reporting related to this account The timing, documentation, and method of repossession and auction I am requesting : Immediate suspension of collection activity Removal or correction of inaccurate credit reporting A complete itemized accounting of all charges added post-repossession Documentation of the vehicles sale or auction, including proceeds, timing, and method Consideration of the original catalytic converter/emissions issue as a factor in the dispute I reserve the right to escalate this matter to the Texas Attorney Generals XXXX XXXX XXXX  if the disputed balance, fees, and credit reporting are not corrected promptly.

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 2025-12-28 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: GA

Complaint narrative:
I am disputing the following accounts, inquiries, and late payments that have been inaccurately reported on my TransUnion credit report : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
Due to being out of work and getting XXXX, I incurred quite a lot of debt. My husband has a similar profile of his own debt due to his XXXX  also. It will take us approximately 3 years to clear this debt. I am unable to pay these student loans at this time.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}XX/XX/XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$53000.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Late Payments : XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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