vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
American credit acceptance Repossessed my car on XXXX. I been calling them every other day trying to talk to a supervisor. Today XXXX I was on hold for two hours just to talk to a supervisor The young man that I talk to told me he don't have a supervisor so, I hung up the phone and called another department that's when XXXX XXXX told me he was a supervisor. I explained to him I been making all of my payments and don ; t understand why they repossessed my car. I have a Post Extension which is good for 5 years and last year ACA offer me a modification. I told him I have bank statements to prove I been making my payments. Nobody is listening to me Plus, American credit acceptance told me I need to pay XXXX just to get my car back. I'm on hold again with American Credit acceptance right now its been XXXX XXXX  .. Every time I call that's what they do until I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Cease and Desist Notice Regarding Unauthorized Furnishing of Consumer Report To Whom It May Concern, Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not provided any written instructions authorizing [ Name of Furnisher or CRA ] to furnish any information related to my consumer report to any third party. Therefore, any furnishing of such information without my explicit written consent is a direct violation of the FCRA. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, any communication regarding alleged debts must comply with federal law, and I explicitly revoke any prior consent, if any, to share my personal or financial information. I hereby demand that [ Name of Furnisher or CRA ] immediately cease and desist from furnishing any information related to my consumer report to any third party without my express written authorization. 
Failure to comply with this demand will result in my pursuit of all available legal remedies under the FCRA, FDCPA, and other applicable federal and state laws, including but not limited to statutory damages, actual damages, and attorneys fees as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
This notice is effective immediately. Govern yourself accordingly. 
Sincerely,

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Formal Complaint Regarding Permanent Lock of Online Account - User ID XXXX To Whom It May Concern : I am writing to file a formal complaint regarding TransUnion 's refusal to remove a permanent lock on my online account, User ID XXXX. 

This lock originated approximately three years ago at my own request. I contacted TransUnion to secure my information in response to fraudulent activity, which I now believe stemmed from the 2019 XXXX  security breach. At that time, TransUnion lacked adequate security features like two-factor authentication, and the only solution they offered was to place this lock on my online access. I initiated this measure for my own protection based on their limited options. 

Recently, I have attempted to have this outdated security measure removed. I received an email from TransUnion confirming the account was locked and that I would not be able to access my report online through the TransUnion website or XXXX As instructed, I contacted the TransUnion Escalation Center at XXXX. The agent on that call stated that the lock is " forever '' and there is no process available for me to verify my identity and have it removed. 

TransUnion is now using a security measure that I initiated due to their own past security limitations as a reason to permanently bar me from accessing my own data online. A protective measure should not become a permanent punishment. 

My desired resolution is the immediate removal of the permanent lock on my account. I request a transparent process to verify my identity and restore the full online access to which I am entitled. 

Refusing to remove a user-initiated security lock from years ago is an unfair and unacceptable business practice. I look forward to your intervention in this matter.

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 2025-07-23 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:
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 : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX called about the deposit. Found the deposit in XXXX XXXX Cash App refused to post it.

XXXX XXXX XXXX called about the deposit. Cash App Support responded that I don't have a deposit on hold and that I will get paid on the XXXX XXXX XXXX. I got paid on the XXXX XXXX XXXX and the XXXX will be my monthly pay day. XXXX XXXX XXXX still missing deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OH

Complaint narrative:
I received an email from TekCollect on XX/XX/XXXX. It states they are attempting to collect my debt of {$1700.00} to XXXX. I signed my contract in XX/XX/XXXX and started treatment with XXXX in XX/XX/XXXX, the same month XXXX filed for bankruptcy. They ceased all operations in XX/XX/XXXX. I was unable to complete my treatment due to not receiving all needed retainers/aligners and no customer support available for issues I was having with the aligners. 
I did not receive all the goods and services promised in my contract with XXXX. I do not believe I owe this debt since they broke their contract with me. I then emailed TekCollect on XXXX XXXX with a debt dispute letter requesting specific information. They did send a letter with some of the requested information, but not all, especially not proof showing that the contract obligations of XXXX  were fulfilled OR the legal authority they have to collect this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
XXXX XXXXXXXX : XXXX off account showing continuous late payments. Post closure closed at credit grantors request account should reflect on the actual valid history up to closure. However, it is showing continue delinquency charge off status well after closure, which is misleading. XXXX XXXXXXXX : XXXX-pay in full for less than full balance ( settlement ) but history continues to report charges in accuracy which in accuracy reports multiple charge of statues as of XX/XX/XXXX. XXXX : XXXX account shows a closed status as of XX/XX/XXXX, but also reflects a 60 day late payment in XX/XX/XXXX, even though the account was in dispute during this time. Disputed items should be clearly indicated and payment information during dispute must not be misleading. XXXX : XXXX XXXXXXXX * XXXX XXXX-status shows paid closed but high balance is not clarified and no recent balance reported. Im requesting verification of the account reporting on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -account marked passed due XX/XX/XXXX despite showing OK status in prior months balance show small dollar amount discrepancies This inconsistency is hurting my credit unfairly. This is inaccurate late payment reporting if the XX/XX/XXXX payment was made on time or under payment agreement. It should not reflect as past due

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 2025-07-23 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XXXX Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : Regions ( Open DateXXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: MA

Complaint narrative:
This company contacted me by phone number before sending a debt violation dispute notice in violation of 15 U.S.C. 1692g. They left a voicemail identifying themselves a debt collector in violation of 12 C.F.R. 1006.2 ( j ) ( 1 ) ( i ). These violations also violate the corresponding provisions of the Massachusetts Debt Collection Practices Act and constitute a violation of Mass. Gen. Laws c. 93A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: NJ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NM

Complaint narrative:
Under Section 611 of the FCRA, I am exercising my right to dispute any information that I believe to be incorrect. I request that you conduct a reinvestigation of this account and remove it from my credit report unless you can provide verifiable, accurate, and complete documentation from the original creditor. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request debt validation from the collection agency. If they are unable to provide proof that the alleged debt is valid and belongs to me, the information must be deleted from my credit profile.

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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am disputing an account reported by XXXX that is showing up on my credit report. I want to make it clear that I never signed up for this account. I only called to ask questions and inquire about the card, but I did not authorize, apply for, or agree to open any account. 

Despite this, the account was added to my credit report and is now negatively impacting my credit score. This is an inaccurate and unauthorized tradeline, and I have already contacted the credit bureaus to request that it be deleted. However, it is still being reported. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires all information on credit reports to be accurate and verifiable. I am requesting the CFPBs assistance in having XXXX/XXXX  immediately XXXX this inaccurate account from all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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