vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am disputing inaccurate reporting by Equifax regarding a Credit Acceptance auto loan. I purchased the vehicle on XXXX XXXX, 2023, and immediately experienced mechanical failures, including fuel system issues, EVAP leaks, and a malfunctioning fuel gauge. The vehicle was unsafe and required multiple repairs within the first month. The lender and dealership were notified, and I requested to return the vehicle. 

Credit Acceptance continued reporting inaccurate information during active disputes, including incorrect balances, incorrect past-due amounts, and an inaccurate account status. They also failed to properly investigate my disputes as required under the FCRA. 

Equifax is reporting : A balance of {$14000.00} which is not accurate A past-due amount of {$5300.00} that is incorrect An Open status despite the account being under dispute Dates and amounts that do not match actual events Reporting despite ongoing disputes and complaints These inaccuracies are hurting my credit profile and preventing me from obtaining stable housing and transportation. I provided Equifax with repair invoices, receipts, and dispute documents, yet the information remains unchanged. 

I am requesting immediate correction or deletion of this account due to inaccurate reporting and failure to investigate.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-04 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: TX

Complaint narrative:
Formally dispute several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with the companies listed below, nor did I grant permission for any third party to access my credit file. These inquiries are inaccurate and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only information that is accurate and obtained with my consent. 

The unauthorized inquiries are as follows : XXXX  XXXX/XXXX/2025 XXXX XXXX XXXX  XXXX/XXXX/2025 XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX  XX/XX/scrub>XXXXXXXX/2025 XXXX XXXX XXXX XXXX/2025 XXXX XXXX/XXXX/2025 XXXX XXXX XXXX/XXXX/2025 Because these inquiries were not authorized by me, I am requesting their immediate removal from my credit report. Please conduct the required investigation and provide written confirmation of the results. If these companies can not produce documented proof that I initiated or approved these applications, the inquiries must be deleted promptly as required by the FCRA

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

Complaint narrative:
I submitted a formal dispute letter to Transunion XXXX XXXX, 2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX 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 2025-12-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Recently I have looked at my most recent credit report and noticed various inaccuracies on my account .This is drastically lowering my chances to obtain new credit. It is to my knowledge that you will investigate these items for me to insure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account # XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX, Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXX Bankruptcy XXXX Reference XXXX XXXX ), and unauthorized or outdated inquiries including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX and XXXX  ( XX/XX/XXXX ). These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing ongoing financial harm, potential denial of credit opportunities, and undue stress.

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 2025-12-04 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account # XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX, Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXX Bankruptcy XXXX Reference XXXX XXXX ), and unauthorized or outdated inquiries including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX and XXXX  ( XX/XX/XXXX ). These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing ongoing financial harm, potential denial of credit opportunities, and undue stress.

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

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

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 2025-12-04 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: TX

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

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 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The vehicle was repo back in 2021 and i recieved a letter in the mail on XXXX XXXX, 2025 saying i didn't show up for court so it ruled in the favor i was never served any paper saying i had to be in court. The vehicle was repo because i lost my and i told them to come get it it so it was voluntary repo.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
No communication of any debt collection and served with lawsuit

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

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach. Upon reviewing my credit reports, I identified several accounts that I am not familiar with. I requested validation of these debts from the credit reporting agencies, but no verification has been provided. 

Given that my information was exposed, I have filed a complaint with the FTC documenting the unauthorized accounts. Attached are copies of my identification, the FTC complaint, the XXXX report confirming the exposure of my information in the data breach, and my prior validation-of-debt request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on the account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX * * * * * * Balance Owed : {$0.00} Date of Last Activity : XXXX/XXXX/2024 Date Opened : XXXX/XXXX/2022 late 30 days XXXX 2023, XXXX 2024

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
The additional amount that they have on my credit report after the vehicle was sold at auction is incorrect. I only have possession of the vehicle for two months and they have a amount on my credit report that is too much

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

Complaint narrative:
TransUnion is reporting inaccurate and unauthorized information on my credit file. XXXX XXXX XXXX placed a hard inquiry that I did not authorize, request, or apply for. In addition, XXXX is reporting an account and attempting to collect on an amount that I did not open or consent to. These items are the result of identity theft and were not created or approved by me. 

I have already filed an FTC Identity Theft Report documenting the incident, and I am requesting that TransUnion properly investigate under FCRA 605B. These items are harming my credit profile and were never authorized.

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 2025-12-04 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:
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 2025-12-04 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Someone stole my info and withdrawed {$5000.00} from citi bank which located at XXXX XXXX XXXX XXXX XXXX IL, XXXX on XX/XX/XXXX XXXX. XXXX minutes later, someone who used my debit card info to withdraw {$320.00} from ATM by Citibank which located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX at XXXX. Both incidents were happened on XX/XX/XXXX. I NEVER set up any PIN for this Debit card. I didn't request a new card recently, however, I just get a new debit card three days ago and make me confuse. WHEN THE TRANSACTIONS OCCURRED, my old, temporary debit card is inside my drawer. NO ONE can touch it. I NEVER get a reguar debit card for this checking account, and I NEVER withdraw money from this checking account as well. I only login this citi bank account once a while to pay for my XXXX credit card. 

I started two claims with citibank on XX/XX/XXXX, I got the {$320.00} back to my bank account the next day. However, for the other claim which is {$5000.00}, I just get a letter from citibank that showed " We have completed our investigation of your fraud claim. Please note that it has been denied. Our decision was base on : Information that shows that your card was used as a from of identification at the time of the withdrawal ( s ) using your personal identification number.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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