vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: World Acceptance Corporation
State: GA

Complaint narrative:
World acceptance corporation acc number ending in XXXX I am formally disputing the above account under my rights provided by the Fair Credit Reporting Act ( FCRA ). The account is being reported inaccurately, incompletely, and in a misleading way. Because this account was sold/acquired by another lender, the current reporting contains multiple errors that violate federal law. 



XXXX. Account Was Sold/ Acquired Reporting Must Be Accurate ( FCRA 623 ) The account is clearly labeled : ACCOUNT ACQUIRED FROM ANOTHER LENDER When a debt is sold or transferred : The original furnisher must stop updating the account. 
The reporting must clearly reflect the exact status at the time of sale. 
No new dates or activity can be added after the transfer. 

Any updates after the sale violate : FCRA 623 ( a ) ( 2 ) Duty to correct and update information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate 2. Invalid Date Reported Future Date ( FCRA 607 ( b ) ) My credit report shows a future Date Reported of XX/XX/XXXX, which is impossible. 

This is a violation of : FCRA XXXX ( b ) maximum possible accuracy FCRA 611 ( a ) right to dispute inaccurate information This future date also makes it appear as if the account is recent or active, which is misleading.

3. Missing Date of Last Activity Reporting Is Incomplete ( FCRA 611 ) The account shows : Date of Last Activity : ( missing ) This makes the account unverifiable and incomplete.

Under federal law : FCRA 611 ( a ) ( 1 ) ( A ) incomplete or unverifiable information must be corrected or deleted FCRA 609 ( a ) ( 1 ) consumers have the right to all information used to verify an account 4. Possible Illegal Re-Aging ( FCRA 623 ( a ) ( 5 ) & 605 ( c ) ) The DOFD is correctly listed as XX/XX/XXXX, but the XXXX date reporting attempts to make the account look newer than it is. 

This violates : FCRA 623 ( a ) ( 5 ) DOFD must be accurate and can not be changed FCRA 605 ( c ) 7-year reporting period runs from DOFD, not from later dates FCRA 623 ( a ) ( 2 ) furnishers must not update sold accounts with new activity Under the FCRA, I request that you : 1. Conduct a full investigation of this account.

2. Provide documentation verifying : The date the account was sold or acquired The DOFD The Date of Last Activity The correct Date Reported XXXX. Delete this account if the furnisher can not verify these dates with original records. 
4. Remove the future Date Reported and any activity reported after the account was sold.

If the information can not be verified within 30 days, the account must be removed according to FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this dispute regarding the following accounts on my credit report that I believe are inaccurate or incomplete. These items need to be corrected or removed based on the information provided. Please review the details for each bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-19 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 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: MA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
i have never done business with this agency before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted request to dispute inaccurate accounts on my credit report. As of today XX/XX/XXXX there have been no updates or responses to my initial request FDCPA guidelines indicate that responses should be within 30 days of initial request. I am once again asking that all information now at thus point be removed from my credit report According to 15 USC 1681 I ans Consumer have the right to challenge the accuracy of accounts on my credit report. I challenge the following accounts listed below XXXX XXXX Funding balance XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX  Balance {$0.00} Open XX/XX/XXXX XXXX of XXXX XXXX Balance {$140000.00} XXXX XX/XX/XXXX Please also remove these un authorized inquiries XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I have attached previous complaints attached

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 2025-11-19 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit report, as I believe they contain inaccuracies that require correction. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$380.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payment : 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
I have noticed that there is a fraud account from XXXX  XXXX XXXX, which does not belong to me. I reported about that to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 file a dispute regarding multiple accounts reported inaccurately by the credit bureaus. Below is a list of the accounts in question, separated by each bureau : EQ XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 submitting this complaint to dispute the following items on my credit report. Please note that these items are inaccurately reported and need to be investigated for corrections. 

INQUIRIES XXXX, XX/XX/year> XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Subject : Wrongful Repossession, Contract Violations, Trespass, and Denial of Arbitration Credit Acceptance Corporation Company : Credit Acceptance Corporation Account Type : Auto Loan Repossession Date : XX/XX/year> Complaint : I am filing a complaint against Credit Acceptance Corporation for wrongful repossession, breach of contract, violation of my arbitration rights under the Federal Arbitration Act, and illegal collection practices. 

On XX/XX/year>, Credit Acceptance repossessed my vehicle from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  location that was never listed on my account or contract. The only address associated with my loan is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

I never authorized repossession from the XXXX XXXX address, nor is that property connected to my account. Repossessing my vehicle from a location not included in my contract constitutes : Wrongful repossession under UCC 9-609 Trespass and breach of the peace under Indiana law Violation of Credit Acceptances own contract terms When I attempted to resolve the situation, Credit Acceptance refused to allow any reasonable payment arrangement. More importantly, they denied my contractual right to arbitration, even after I clearly informed them that I was electing arbitration under the terms of my contract. Under the Federal Arbitration Act ( FAA ), once a consumer elects arbitration, the company must comply. Credit Acceptances refusal is a direct violation of federal law and my contract.

Credit Acceptance has also refused to provide basic records related to the repossession, including : 1. The legal authority they used to enter the XXXX XXXX property XXXX. Proof that the XXXX XXXX address is connected to my loan 3. Proper repossession notice 4. Required post-repossession disclosures.

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 2025-11-19 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: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Equifax, Experian, and TransUnion are reporting incorrect balance information for my XXXX XXXX XXXX XXXX authorized user credit card account. The billing statement closed on XX/XX/year>, yet the credit bureaus continue to display an outdated, higher balance. Account number starts with XXXX This constitutes inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit reporting agencies to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to promptly correct or update information once notified of an error ( 1681i ). 

Key Details : Creditor : XXXX XXXX XXXX XXXX Account type : Authorized user Statement closed : XX/XX/year> Issue : Bureaus are still reporting an outdated balance Impact : Inflated utilization and negative impact on my creditworthiness I have already contacted both XXXX XXXX and the credit bureaus. XXXX XXXX confirmed the statement closed and the data should be reporting correctly. 

Requested Resolution : I request that CFPB assist in ensuring the credit bureaus : 1. Immediately update the balance to reflect the XX/XX/XXXX statement. 
2. Correct their files to comply with FCRA accuracy requirements.

3. Provide written confirmation of the correction. 

Thank you for your assistance.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-19 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 hereby submit a formal dispute regarding the referenced accounts. As they were neither opened nor authorized by me and appear fraudulent, I request their immediate removal and a thorough investigation. Supporting documentation is enclosed.

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