vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Inaccurate Repossession FCRA Violation Notification Dear XXXX XXXX XXXX Compliance Department, I am formally disputing the repossession account being reported to the credit bureaus under my name. This account is being reported inaccurately and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). 
Violations Identified : FCRA 602 ( 15 U.S.C. 1681 ) Lack of Fairness and Accuracy The reporting of this account as a repossession while also reflecting charge-off and collections, despite notes of redeemed, is misleading, incomplete, and contradictory. This violates the FCRAs foundational requirement for maximum possible accuracy in consumer reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Maintain Accuracy You are legally required to ensure all information you furnish to credit bureaus is accurate and not misleading. Reporting both repossession and redeemed without clarifying resolution misrepresents the true status of the account and causes significant harm to my credit standing. 


FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate This is my formal demand for reinvestigation of this account. You are now on notice and must complete a thorough reinvestigation within 30 days. Failure to do so is a direct violation of federal law. 



Legal Notice : If you are unable to fully verify the accuracy and completeness of every detail reportedincluding dates, payment history, charge-off status, and repossession statusyou are obligated under federal law to DELETE this account from all consumer reporting agencies. Continued reporting without verification will be viewed as willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ), subjecting your company to monetary damages, attorney fees, and potential legal action.

Action Requested : IMMEDIATELY delete the inaccurate and derogatory account from all credit bureaus ( XXXX XXXX XXXX ). 


Cease all further reporting of this account unless you can provide documented proof of full legal compliance with FCRA requirements. 


Send me written confirmation of the deletion within 30 days. 


Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. I am prepared to pursue full legal remedies if necessary. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NC

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 explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial posted on my car loan a XXXXpayment for XX/XX/year> payment. I have always maintained my relationship with Ally Financial in the highest regards, having just obtained my third auto loan from them. I hereby request a review of my payment history to see if a mistake was made, and thus the removal of the late payment altogether. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize this hard inquiry and have no past or current affiliation with the company that initiated it. This unauthorized activity may be indicative of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have made complaints to the XXXX  about the lack of transparentcy. As a consumer, I have the right to know how my credit information is being accessed and used. Transparency regarding credit inquiriesparticularly hard pullsis essential, as it allows individuals to make informed decisions when applying for credit and managing their financial well-being. 

Oportun stated that A hard inquiry would be conducted ; however, at no point did they disclose that multiple hard inquiries would occur. Had this information been made clear, I would not have proceeded with the application. My authorization was for a single hard inquiryXXXXand I did not consent to multiple inquiries. The lack of transparency in this process is concerning and a violation of my rights as a consumer. 

Excerpt from previous complaint and response from company : I would hope that the company will acknowledge the fact that considering in their perspective an application was formally submitted their policy states. As stated in OPORTUN FAQ If you choose to submit a formal application, * A Hard Credit Inquiry * will be conducted. -If a creditor says they will do XXXX hard pull, it means XXXX hard inquiry on your credit report, NOT XXXX hard inquiry on each of your credit reports from different bureaus.- As stated in Oportun response several times XXXX Hard Inquiry was conducted. Which in fact there were XXXX Hard Inquiries Conducted. XXXX On XXXX  and XXXX on Experian. 

The only reason I unlocked all XXXX of my reports is because I was told they did not know which XXXX would be utilized for An Inquiry. 
-- -- -- -- In the initial response, it was clearly stated and reiterated that only XXXX hard inquiry had been performed. However, the second response contradicts this by acknowledging that XXXX hard inquiries were conductedone with Experian and XXXX with XXXXwhile attempting to justify both. This directly conflicts with the original statement and indicates that the representative is shifting the narrative to align with their own rigid, hardnosed and unyielding position. A simple removal of the unwarranted and Initially Unacknowledged XXXX  hard inquiry or a Simple recoding to a soft inquiry would have been the least that could be done to settle this matter fairly and amicably. Unfortunately Faith in Humanity has seriously been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraudXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-04 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 am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraudXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
My information was exposed in a data breach causing my information to be used without my consent to open utility accounts and other accounts reporting on my credit report. I have asked credit bureaus to send validation of debt and have not received proof. I request for the accounts to be investigated and removed from my report if unable to verify the debt.

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 2025-07-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-04 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: GA

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 explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I am filing a complaint against KLS Financial Services for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I disputed a collection account with Experian and Transunion related to an alleged medical debt from XXXX XXXX which XXXX is reporting with a balance of {$850.00}. I disputed this item directly with Experian and Transunion, and the account was updated but not changed. This indicates that XXXX verified the account without conducting a reasonable investigation, as required by law. 

XXXX has not provided any evidence that it owns or has been assigned this debt, nor any contract or documentation to support its claim. I believe they are falsely reporting inaccurate and unverifiable information on my credit report, causing financial harm. 
I have attached my original dispute, Experians response, and a formal Notice of Intent to Sue sent to XXXX. 
I am requesting the following resolution : Full validation of the debt, including chain of title and original contract from the creditor, OR Immediate deletion of the tradeline with written confirmation, and a settlement offer contingent upon deletion, if no validation can be produced. 

XXXX  failure to comply with federal law has interfered with my ability to access credit and financial opportunities, and this complaint serves as a formal demand for regulatory intervention.

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 2025-07-04 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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