vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-01 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and these inquiries remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and raises serious concerns of identity theft. This unresolved issue is causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I believe i was deceived into terms on a car loan by Credit Acceptance Corporation i did not agree too or fully understand. As at the time i only spoke and understood XXXX they told me nobody spoke XXXX and was pressured and deceived into terms i at the time did not understand. Now that i am learning XXXX i am no seeing what they have done to me. I am now running into nothing but problems with this and have contacted The Credit Acceptance Corporation and they have not want to work with me i have asked many times for them to take the car and refuse i am lost on what to do with this car as it still have lein on it and do not want to get in trouble.

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 2025-10-01 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:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent XXXX  XXXX Account Reinserted Without Proper Notice To Whom It May Concern, I am writing to dispute and demand the permanent removal of the following fraudulent account that has been repeatedly reinserted onto my Experian, Equifax, and TransUnion credit reports, despite previous deletions : XXXX  XXXX Acct. No. : XXXX This account is not mine. I never applied for, opened, or authorized any account with XXXX XXXX. I am a verified identity theft victim, with supporting documentation including my FTC Identity Theft Affidavit and government-issued identification. 
Your reinsertion of this fraudulent account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted accounts may not be reinserted unless the furnisher has certified the accuracy of the information, and you provide me written notice within five business days of reinsertion. I was not provided such notice.

FCRA 1681e ( b ) : You are required to ensure maximum possible accuracy in consumer reports. Reporting an account that was previously confirmed as fraudulent violates this obligation.

FCRA 1681c-2 ( FACTA ) : Requires blocking of all information that results from identity theft once an FTC Affidavit or police report is provided. This account qualifies and should have been permanently blocked. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Provide for civil liability for willful and negligent noncompliance with these provisions. 
The fact that this XXXX XXXX account continues to reappear while documented proof of fraud exists demonstrates serious flaws in your systems and processes, and unlawful disregard for federal law. 
I am demanding the immediate and permanent deletion of this XXXX XXXX account from my Experian, Equifax, and TransUnion credit reports, and written confirmation that it has been blocked from reinsertion. 
If this account is not permanently removed, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement action, including civil claims for damages under the FCRA. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am filing this complaint because XXXX has failed to comply with my rights under 15 U.S.C.1681c-2 of the Fair Credit Reporting Act. On XXXX, I submitted a valid identity theft report from FTC XXXX along with proof of my identity, requesting that fraudulent information be blocked from my credit as required by law. 

Under 15 U.S.C. 1682c-2 ( a ), a consumer reporting agency is required to block identity-theft-related information within 4 business day after receiving.

1. Proof of the consumer 's identity, 2. A copy of an identity theft report and 3. The consumer 's identification of the fraudulent information. 

Despite providing all required documents, the disputed/fraudulent tradelines remain on my credit file. This failure to block the information is a violation of my rights under federal law and is causing me ongoing harm. 

I am requesting that CFPB require XXXX XXXX XXXX XXXX XXXX XXXX and delete the fraudulent information as required by 15 U.S.C. 1681c-2 2.Provide written confirmation of the block and delete, and 3. Ensure no reinsertion of this information without proper certification and notice.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute of Inaccurate Information and Request for Deletion - Account XXXX XXXX XXXX and XXXXDear Credit Control, LLC,XXXX  am writing to formally dispute the accuracy and completeness of the information you have furnished to XXXX  and XXXX  regarding the above-referenced account. I have reviewed my credit report and have identified several inaccuracies that require immediate investigation and correction, as per my rights under the Fair Credit Reporting Act (FCRA).XXXXAccount DetailsXXXXAccount Number: XXXX  (as reported by XXXX  and XXXXOriginal Creditor: XXXX XXXX  (as reported by XXXX  and XXXXSpecific Inaccuracies and Reasons for Dispute:\nInconsistent "Last Verified" Dates: My report indicates a "Last Verified" date of XXXX with XXXX, yet XXXX  with XXXX. This discrepancy requires clarification and correction, as accurate reporting dates are crucial for determining the age of the debt and its impact on my creditXXXXUnclear "Date of Last Activity": The "Date of Last Activity" is listed as XXXX  for XXXX  buXXXX XXXX  for XXXX. These conflicting dates raise questions about the true timeline of activity on this account and need to be rectified to ensure accuracyXXXXMissing "Last Payment" and "Payment Amount" Information: Both XXXX  and XXXX  reports indicate "NONE REPORTED" or a blank field for "Last Payment" and "Payment Amount". This incomplete information affects the overall accuracy of the account details and must be corrected if payments were indeed madeXXXXInconsistent "Account Status" and "Payment Status" Details: While both reports list the "Account Status" as "Closed," the "Payment Status" is reported as "Collection/Chargeoff" for both. If the account is closed, the precise nature and status of the collection or charge-off need to be consistently and accurately reflected.\nRequest for Verification and DeletionXXXXUnder the Under the FCRA  623 15 U.S.C.  1681s-2 ,FCRA  609 [15 U.S.C.  1681g., I have the right to a reasonable investigation of all disputed information. I request that you promptly and thoroughly investigate these inaccuracies. If you are unable to verify the accuracy and completeness of the disputed information as required by law, I demand that these items be immediately deleted from my credit reports with XXXX  and XXXXFurthermore, I request that you cease reporting any unverified information to all credit reporting agencies, including XXXX  and XXXXXXXX expect a response detailing the results of your investigation and the corrective actions taken within the timeframe mandated by the FCRAXXXXSincerelyXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my report and saw some fraudulent hard inquiries on them, and I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America close my account and I have a negative balance that I don't owe please help me resolve 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 explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B /15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  XXXX on XX/XX/year> under account number XXXX. This account has resulted in a fraudulent collection appearing on my consumer FICO credit report. I've attached a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account or collection as reported. The aforementioned account and collection appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned account or collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting that Equifax update my personal information on my credit report.My former name is still appearing on the report, causing confusion. 
My current address has not been updated and is not reflected on my report. 
I previously submitted disputes to correct this information, but the changes have not yet been made. 
I request that Equifax update my report to reflect my current legal name and current address immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, Bank of America decreased the limit on my credit card by {$16000.00}. ( From {$25000.00} to {$9000.00} ). The limit was reduced to exactly what I owe making my usage 100 % and affecting my credit score negatively. I called for an explanation and was given very little information. Credit reporting showed XXXX instances of late payments in my XXXX  years with BofA. The rep advised my payment history was very solid. I asked to have the limit put back to {$25000.00} and was advised that request was declined and basically I had no other options.

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 2025-10-01 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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