vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Hello on XX/XX/XXXX I sent a letter to all 3 credit bureaus as well as the reporting agency Eastern Account System. In these letters i pointed out multiple violations of reporting errors. I itemized them and asked for them to be verified and brought into compliance. If these errors couldn't be properly verified by the XXXX reporting standard then they must be deleted.

After 14 days I hadn't heard back from any companies so i called each one of them to follow up. 3 of them said they wanted verification the letters were from me before proceeding with the investigation. In my initial letters i stated these were my letters, they were signed and dated and included a copy of my ID and a current electric bill. These companies not accepting my letters from the start is a violation of 15 U.S. Code 5 1681i.

I have since followed up by phone with all 4 parties. I notified all parties that it had been over 30 days since they received the letters that included the challenged reporting. I notified the parties that the reports had not been brought to XXXX XXXX standards, nor had I been provided any proof that the debts reported belong to me and needed to be deleted immediately I spoke with XXXX  today XX/XX/XXXX and had the claim escalated as they have been the only company to respond by mail. They stated that eastern account systems provided them a screenshot. As of today XX/XX/XXXX neither XXXX  nor Eastern account systems has provided me with this screenshot or any certifiable proof that I opened any account with the company that is reporting a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

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 non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-28 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of Repossession as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is from XXXX XXXX XXXX ( Account # XXXX ), related to a vehicle repossession that occurred around XX/XX/XXXX. 
Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition XXXX  XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ).

Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information. 
FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting.

Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX XXXX account ( # XXXX ) from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate. 



Supporting Documents Provided : Copy of Experian credit report showing monthly charge-offs post-repossession Copy of my written disputes Valid ID and address proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report includes a repossession record that I believe is inaccurate or can not be verified. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a review of this repossession entry, and if it can not be substantiated, I ask that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CO

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 2025-07-28 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: NY

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history.

I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved.

These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing a formal complaint regarding my car loan from Credit Acceptance Corporation for a used XX/XX/XXXXXXXX XXXX, financed through XXXX XXXX XXXX on XX/XX/XXXX. The vehicle had over XXXX miles and a value well below {$10000.00}, yet the loan was structured with a 20.49 % APR, a monthly payment of {$300.00}, and a total cost of {$19000.00} over 63 months. This amount is more than double what the vehicle is worth. 
Additionally, unnecessary and overpriced add-ons were included, such as an extended warranty ( {$1700.00} ) and GAP insurance ( {$830.00} ), which I believe were not clearly presented as optional. I feel I was taken advantage of as a borrower with limited credit options.

I am aware of current lawsuits against Credit Acceptance Corp by the CFPB and DOJ alleging deceptive practices and unaffordable loan terms. I believe my loan fits the pattern described in these lawsuits and request that my situation be investigated for potential predatory lending or abusive practices. 
I am requesting : A review of my loan terms Reduction in APR or total amount owed Clarification on whether I qualify for relief or adjustment as part of the lawsuit I can provide all documentation upon request, including the full retail installment contract.

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 2025-07-28 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: IL

Complaint narrative:
Summary of the Complaint : I am filing this complaint to formally dispute the inaccurate and inconsistent reporting of my installment loan account with XXXX  ( Account Number : XXXX ) across the XXXX XXXX  credit bureaus : XXXX, XXXX, and TransUnion. 

Despite being in good standing and having made timely payments, XXXX  and TransUnion are erroneously reporting this account as negative, and show XXXX late payments for XX/XX/XXXX, which is inaccurate and damaging to my credit profile. XXXX, however, reports the account as positive and shows no late payments demonstrating a clear discrepancy among the credit bureaus for the same account. 

Supporting Details : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment / Unsecured Loan Monthly Payment : {$58.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion ) XXXX : {$810.00} High Balance : {$2500.00} Terms : 49 months Creditor Type : Personal Loan / Sales Financing Status ( as reported ) : XXXX  : XXXX XXXX  : Negative ( with XXXX late as of XX/XX/XXXX ) TransUnion : Negative ( with XXXX late as of XX/XX/XXXX ) Payment History Conflicts : XXXX  shows no delinquencies XXXX  and TransUnion both show XXXX XXXX in XX/XX/XXXX, yet the account is marked as current as of XXXX No evidence or validation has been provided by XXXX  or TransUnion to justify these late entries Violations and Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Reporting an account as late when it is current ( and showing inconsistencies across bureaus ) constitutes a violation of this section. 

FCRA 15 U.S.C. 1681i ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

I have disputed this information with the bureaus and no correction has been made.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers of information ( like XXXX ) must investigate disputes received from CRAs and report results accurately. 

Failure to correct inaccurate late payment notations after being notified is a direct violation. 

Consumer harm : These inaccuracies have negatively impacted my creditworthiness, credit score, and overall ability to obtain fair financing terms. They also misrepresent my payment history, which has been consistent and timely.

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 2025-07-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

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

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

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Account is closed I do not have account number Date of Charge-Off : XX/XX/scrub>/25 * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Account is closed I do not have account number Date of Charge-Off : XX/XX/scrub>/25 * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-07-28 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: CA

Complaint narrative:
Pursuant to Section 605B of the Fair Credit Reporting Act I have submitted a completed copy of my ID theft report from the FTC and my proof of identity documentation. Accordingly I request these accounts to be removed immediately. My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened, I need them removed immediately.

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