vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
Consumer Reporting organization TransUnion, XXXX XXXX and Department of Education lacks my approval ( mutual agreement ) to provide this information, and they certainly do not possess my written approval. Furthermore, all consent related to TransUnion Provider of information to credit agencies, whether stated verbally, non-verbally, in writing, impliedly, or in any other form is revoked. According to 15 USC 6802 ( b ) ( c ), A financial institution is prohibited from revealing nonpublic personal details to a nonaffiliated third party unless the consumer is given a clear explanation on how they can opt for nondisclosure. The provider of information to credit agencies, including outdated addresses where I no longer reside, along with previous phone numbers and employment details that do not pertain to my privacy or identity, that I also do not utilize anymore, constitutes character defamation and misleading and deceptive practices ; My employer 's name is XXXX XXXX XXXX 2015 ; They have never informed me of my right to opt-out for nondisclosure. Additionally, 15 USC1681C ( a ) ( 5 ) specifies, Except as permitted under subsection ( b ), no consumer reporting agency can create a consumer report that includes any of the following items or any other adverse information, aside from records of crimes that precede the report by over seven years. This account represents an adverse detail being reported again without my authorization, which is unlawful. As stated in 15 U. S. Code 1681s2 ( A ) ( 1 ), No individual shall provide any information concerning a consumer to any consumer reporting agency if they know or reasonably believe the information is incorrect. Furthermore, 15 U. S. Code 1681e asserts, All consumer reporting agencies must uphold reasonable practices to prevent violations of section 1681c of this title and ensure that consumer reports are limited to the purposes outlined in section 1681b of this title. TransUnion, XXXX XXXX and Department of Education are failing to maintain these reasonable practices. Lastly, 12 CFR 1016. 7 indicates that A consumer is entitled to opt out at any moment.

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 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have my Care credit account set to auto draft from my savings account. Every month, it drafts the payment, then returns the payment shortly thereafter. I am then charged a late fee for non-payment. I then go and resubmit the payment and it goes through without a problem or return. This happens every month and has led to my account being closed despite having plenty of funds and a valid account from which to draft. I suspect it is intentional in order to extract extra fees from me.

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 monetary relief
Consumer complaint received 2025-04-12 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:
This loan is charged off. Initially when doing the paperwork I was under the impression that that this was an in house financing option and also was told Id be making payments towards the price on the window sticker. It was not until the signing and reviving of more paperwork was I aware that an additional loan would be taken out through another party and that I would pay the third party.

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 2025-04-12 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed which appears on my credit report, is the result of that XXXX. Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, the XXXX reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.

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 2025-04-12 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 submitted a complete 28-page packet showing that my federal XXXX loans were fully forgiven under the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/year>. I included documentation from XXXX, XXXX, and the Department of Education all showing a {$0.00} balance. I even received refund checks. 

Despite sending this to Experian multiple times ( at least five disputes ), they continue to report a balance of over {$420000.00}. When I call, I cant reach a person only an AI voice telling me Im not allowed to speak to anyone. 

Most recently, I was told an internal investigation would resolve it within three days, but instead I received the same copy-paste response saying the account was verified as accurate. 

This has taken up hours and hours of my time, caused extreme distress, and worsened my XXXX XXXX. Ive done everything right, and this is harming my credit, my finances, and my XXXX. 

My full documentation is attached as a PDF.

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 2025-04-12 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: MOHELA
State: PA

Complaint narrative:
Unauthorized usage of account information, not authorized to share with anyone, please remove from reporting immediately. Damaging relationships with current investors this isnt right! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute Ally Financial Account Reporting Inaccuracies and False Late Payments To Whom It May Concern : This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and related statutes. After reviewing my credit reports from your agencies, I have identified inaccurate and unlawful reporting by XXXX XXXX, including false late payments and misrepresented account details. I have never been late on this account, and your continued publication of these inaccuracies is both defamatory and a willful violation of federal law. 

As a data furnisher, XXXX  XXXX  is bound under 15 U.S. Code 1681s-2 to provide accurate information. As a credit reporting agency, you are required to correct or delete inaccurate or unverifiable data once a consumer dispute has been submitted. The fact that these late payments remain despite their inaccuracy indicates gross negligence and noncompliance on your part as well.

Accordingly, I am demanding the immediate and permanent removal of : All late payments related to the XXXX  XXXX account Any and all inaccurate, outdated, or unverifiable information associated with this account across all three credit bureaus If this matter is not resolved within XXXX calendar days, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil legal action for actual, statutory, and punitive damages under federal law. 

This notice is being retained as evidence for legal proceedings. 
GOVERN YOURSELVES ACCORDINGLY. 

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 non-monetary relief
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
I am filing a formal complaint against Equifax for failing to block fraudulent accounts from my credit report as required by FCRA 605B. I submitted an FTC Identity Theft Report XXXX XXXX  XXXX ), a signed personal statement, and identity verification, yet Equifax improperly " verified '' the accounts instead of blocking them within 4 business days.

I am attaching my Round 2 Dispute Letter outlining the following legal violations by Equifax : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent info FCRA 611, 623, 607 ( b ), 602 ( a ) Improper reinvestigation and failure to ensure accuracy The following accounts are fraudulent and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the CFPB enforce Equifaxs compliance with the FCRA and assist in having these accounts blocked and deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this message finds you well. Upon reviewing an updated copy of my credit report, I identified several inaccurate and unverified accounts that are currently being reported by your agency. These errors are deeply concerning, especially as I am in the process of applying for a new line of credit. The presence of these inaccurate items could result in an unjust denial.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
United Collections Bureau ( XXXX ) XXXX is contracted with several agencies including the XXXX XXXX Indiana Department XXXX XXXX. United Collections Bureau has received documentation from Indiana that the debts were paid and applied to the proper year. Documentation of levy release waa sent by United Collections to XXXX Bank on or around XX/XX/year>. Despite all debts owed being satisfactorily paid United Collections Bureau has now levied additional accounts despite the debt being paid they have levied a joint bank checking account with XXXX XXXX. They have also levied a custodial brokerage account at XXXX XXXX that is in my name as well as my minor child. These levies and their documentation were enacted AFTER all debts were satisfied and United Collection had proof of this. I have requested for them to provide me with information of any other accounts that they are fraudulently attempting to collect on after the fact and they refused to answer my question. I am seeking resolution in this matter and to ensure that none of my other accounts be impacted as the debt has been satisfied already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
My personal credit report from Experian shows XXXX delinquency and XXXX late payments. When third parties check my credit file, however, they see " serious delinquency '' and " late payment more than XXXX  days ''. There is no way for me to dispute this information since it doesn't show up on my personal file. Experian 's customer support team only suggests that I speak with the membership team, which offers credit monitoring for a monthly fee. This isn't helpful. I have also received promises that a supervisor would call me back, however this has not happened. I don't know what to do. My credit score at the other agencies is between XXXX, but at Experian it's around XXXX with no way to improve it since the offending data is " hidden '' from me. The customer service team is not empowered or trained to do anything but sell me additional services. Please help!

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 2025-04-12 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: GA

Complaint narrative:
I am making a home purchase and my lender is unable to access my credit report, there is currently no Freeze, unsure why the credit bureau will not let them access my credit report

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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am making a home purchase and my lender is unable to access my credit report, there is currently no Freeze, unsure why the credit bureau will not let them access my credit report

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 2025-04-12 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: MI

Complaint narrative:
I am writing to complain and dispute inaccurate information on my credit report regarding the XXXX XXXX XXXX  listed above. Specifically, I am disputing the following XXXX XXXX XXXX XXXX Your report indicates misinformation - and inaccurate information - regarding the Date of Last Activity, the Date Opened, Last Payment Amount, Account Type, and the Payment History for XXXX and XXXX. As XXXX proves I was never late in XXXX and Transunion and Experian Prove I was not late in XXXX. The payment was made on time, and this inaccuracy proves there was an error in processing.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting a collection account originally from XXXX XXXXXXXX XXXX XXXX, XXXX. They list a Date Opened of XX/XX/XXXX, which is misleading and misrepresents the age of the debt. 

My final payment to XXXX XXXX was on XX/XX/XXXX, and the account became delinquent shortly after. That makes the true Date of First Delinquency ( DOFD ) late XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), a collection account can only remain on a credit report for 7 years from the DOFD. By listing an open date in XXXX and failing to honestly disclose the original DOFD, Midland is effectively re-aging the debt and making it appear newer and more damaging than it is. 

This practice is deceptive, harmful to my credit standing, and a violation of accurate and complete reporting standards under the FCRA. 

I have attached a screenshot showing that the credit bureau itself lists this item as scheduled to fall off my report in XX/XX/XXXX. This confirms the Date of First Delinquency was in late XXXX. Midland is still reporting a Date Opened of XXXX, which misrepresents the age of the debt and could mislead lenders. This is why I am requesting full deletion of this account, not just correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Atlanticus Services Corporation
State: HI

Complaint narrative:
In XX/XX/XXXX I purchased security equipment from XXXX. They gave me an option to finance the new equipment through a company called XXXX XXXX  XXXX. 
In XX/XX/XXXX I started seeing emails about a credit card I had no knowledge of, nor did I receive. On XX/XX/XXXX I contacted XXXX and they said they had sent me an email on XX/XX/XXXX that I had 45 days to stop them from converting my account to a credit card account and now there is no way to go back. Because I refuse to activate the card, they will not allow me access to my credit card statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief