vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information on my Equifax credit report. I have identified one or more accounts that are being reported by Equifax, which have been investigated and removed by other major credit reporting agencies ( e.g., XXXX  and/or XXXX  ) . These accounts were either inaccurate, unverifiable, or did not belong to me, and their continued presence on my Equifax report represents a failure to maintain accurate and up-to-date information.

Below are the details of the disputed accounts : Creditor Name : XXXX XXXX XXXX XXXX XXXX Type of Dispute : Inaccurate reporting ; previously removed by other credit bureaus after investigation Reason for Dispute : Account was found to be inaccurate or unverifiable and was deleted from XXXX  and/or XXXX  I am requesting that Equifax conduct a thorough reinvestigation of these accounts and remove them from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 



Please send me a written confirmation of your findings and any actions taken. If Equifax continues to report this inaccurate information, I will be forced to escalate the matter and consider further legal remedies. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding multiple late payment entries reported by XXXX XXXX on my credit report. 

In 2025, my student loans exited the XXXX forbearance period, and also switched over to a different site in which I did not have a account set up, and resumed repayment. I was not clearly informed of this transition and was under the impression that the forbearance was still in effect. As a result, I missed a single payment. 

However, because I have multiple loans for the same degree program, each loan was reported separately as delinquent. This resulted in multiple negative entries on my credit report for what was essentially XXXX missed payment, causing my credit score to drop from XXXX to below XXXX overnight. 

I promptly brought my account current upon discovering the issue and enrolled in automatic payments to prevent future occurrences. Despite my efforts, XXXX XXXX declined my request for a goodwill adjustment. 

I am requesting the CFPB to investigate whether XXXX 's communication regarding the end of the forbearance period was adequate and to consider the fairness of reporting multiple delinquencies for a single missed payment. 

While I have since located an email notice from XXXX regarding the return to repayment, it was not clearly communicated as requiring immediate action and was buried among routine messages. Like many borrowers during the transition out of XXXX forbearance, I was confused about the timing of repayment resumption. I acted immediately once I became aware of the delinquency. 

I still believe the late payment marks particularly being reported across multiple tradelines for XXXX missed payment are disproportionately damaging and misleading. Given my otherwise perfect repayment record, I am requesting removal or adjustment of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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 am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same.

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. T

herefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe. If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal re
medies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 
For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 
If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-05-02 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-02 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: NC

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 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 2025-05-02 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I am writing to file a complaint against a debt collection agency that has engaged in deceptive and potentially unlawful practices. The collector, Portfolio Recovery, recently reduced the balance of my alleged debt by {$1.00} without my consent or knowledge. This action appears to be an attempt to reset the statute of limitations on the debt.

I did not authorize, initiate, or agree to this balance adjustment, nor did I make any payment or acknowledge the debt in writing. Under the laws of Maine, the statute of limitations on this type of debt is 6 years, and the collectors action seems designed to circumvent that limit through improper means.

I believe this action violates the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting the legal status of the debt and by taking unfair or deceptive action to collect it. I am requesting the CFPB investigate this practice and take appropriate regulatory or enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. Credit Acceptance Corporation wrongfully repossessed my XXXX  XXXX XXXX XXXX ( XXXX : XXXX ) after the loan was fully paid off and reported with a {$0.00} balance. 
Despite full satisfaction, they are attempting to sell the vehicle and claim I still owe. 
I submitted a Demand Letter and Notice of Intent to Sue. They have not returned the property. 
I request CFPBs immediate investigation, return of the vehicle, and correction of all false credit reporting. 

Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have deposited a Cahier check in my Bank of America checkin account on XX/XX/XXXX and at the time of deposit there was no hold on the amount and now I see they have put an hold on the amount. I talked to the issuing bank and they confirmed that they are not blocking the funds. 
try to contact Bank of America multiple time and the hold on cashier check is almost a week when I asked the reason there is no proper justification given and my funds from the issuing bank is already withdrawn. 

I feel Bank of America is trying mislead the customer and using there money for additional days. 
I do the bank with other banks and all banks says cashier check can not be hold for such a long time so I feel they are using the customer money.

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 2025-05-02 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: FL

Complaint narrative:
Transunion is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Transunion written correspondence which include my proof of identity, an identity report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under Fair Credit Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of the breach of my personal information through Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I applied for an auto loan with XXXX XXXX XXXX. The auto loan was first approved, they sent a check out to the dealer and I picked up the car. 24 hours later, the put a stop payment on the check and told me the loan was actually declined. On XX/XX/year>, I pulled my credit report and I see an active auto loan being reported on my 3 credit reports. As a result, its having a negative impact on my credit report. I need XXXX to correct this immediately, it's been over 30 days, there's no need for this to still be reporting on my report. And it should have never been reported to my credit report because I never got approved for the loan. Please see the attached documents of 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code XXXX XXXX debt collector must send a written notice to the consumer within XXXX  days of first contacting them about a debt. They never contact me about this debt. Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in XXXX  days. I never received any documentation on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MA

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 non-monetary relief