vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes.

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from any of the credit bureau ( s ). My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of the dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter. 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 non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from [ Specify which bureau ( s ) did not respond ]. My initial dispute letters were sent on XX/XX/2025 and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.. 

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request. 

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes. 
* Failing to provide timely responses to my dispute letters. 
* Failing to remove inaccurate and unverifiable information from my credit report ( s ). 
* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ). 

I have attached copies of [ List the attachments, e.g., " my credit reports, dispute letters. 

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC
State: OR

Complaint narrative:
I received a phone call from Midwest Fidelity Services on XX/XX/XXXX. I was told it was for debt collection on a deliquent loan. I did not take out any loan and I have no knowledge of who did. The loan in question was taken out in my name on XX/XX/XXXX. My address and birthdate were also used to apply for the loan, however, the email address the bad actor used was not my email address. The loan was in the amount of {$1300.00} and the balance as of today, XX/XX/XXXX, is {$1700.00}. 
The representative from Midwest Fidelity advised me to file a police report and to email Midwest a written notification that I am disputing the debt collection, and to file a report with the Federal Trade Commission. I have already filed the police report today, and am now filing the FTC report, and then I will send my written notification of dispute to Midwest with the report numbers today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand proof that Experian contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated accounts, a loan opened at XXXX on XX/XX/year> under the account number XXXX, and a TXXXX XXXX  on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. Attached you will find the crime report ( XXXX ) for the fraudulent accounts, ID, Social, and POA.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
SUMMARY OF COMPLAINT : Contract Fraud, Predatory Lending, and Misapplication of Payments by Credit Acceptance Corporation ( CAC ) In XX/XX/XXXX, I financed a vehicle through XXXX XXXX using a loan serviced by Credit Acceptance Corporation ( CAC ). I was only shown and given access to one contract with terms I agreed to ( monthly payments of {$540.00}, total finance charge of {$14000.00}, and amount financed of {$24000.00} ). 

However, I later discovered CAC had concealed and enforced a completely different, undisclosed contractwith a higher monthly payment ( {$590.00} ), a higher finance charge ( {$16000.00} ), and a different amount financed ( {$26000.00} ). I never saw or agreed to this contract. My electronic signature was misused to enforce this hidden agreement. 

This dual-contract scheme resulted in : Inflated interest charges, including a lump-sum charge of {$3700.00} added in XX/XX/XXXX. 
Misapplication of over {$33000.00} in paymentsonly {$17000.00} reduced my principal balance. 
False delinquencies and manipulation of my TransUnion credit report. 
Emotional distress and economic harm, including blocked refinancing options. 

I submitted complaints to CAC, the PA Attorney General, and CFPB in XXXX. During this time, CAC retaliated by downgrading communication, misreporting payments, and denying transparency. Their representative confirmed they must report to credit bureaus monthly, even while a regulatory investigation was pendingdespite unresolved disputes about inflated interest and balance manipulation. 

I am now requesting : Full removal of this tradeline from my credit report. 
Full restitution of the {$33000.00} I paid toward this fraudulent loan. 
Immediate investigation into this deceptive loan servicing and contract substitution. 

This matter is now under criminal investigation by the XXXX Police Department ( DC # XXXX ). I have retained legal counsel and am submitting supporting documentation including an affidavit, contract comparisons, and payment analysis spreadsheets.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX XXXX  XXXX XXXX. ( XXXX XXXXXXXX XXXX  XXXX On XX/XX/2025, I purchased a vehicle from XXXX XXXX XXXX I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/2025, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to Bank of America. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( 15 in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/2025 ), these inquiries were not stopped. As a result, my credit score has dropped by approximately 100 points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation.

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

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 2025-04-15 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: Veros Credit, LLC
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. ( XXXX XXXX XXXX ) On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX . I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/XXXX, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to XXXX XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/XXXX ), these inquiries were not stopped. As a result, my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S.C. XXXXi, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-15 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 continuously contact the credit bureau about the information and collections on my account is wrong but every time they deny it

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