vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation for reinserting a fraudulent account on my XXXX  credit report without prior notice, which is a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

The account in question is : CREDITACPT Account XXXX XXXX This account was previously deleted from my XXXX  report and then reinserted without any required notice from either XXXX or Credit Acceptance. 

This account is not mine, was opened fraudulently, and was included in my Identity Theft Police Report # XXXX. I am a documented victim of identity theft and have already provided this report to XXXX 

Despite this, Credit Acceptance improperly verified/furnished this account again, causing it to reappear on my credit report. I filed a police report confirming that this account was created without my authorization. 
Police Report XXXX : XXXX This fraudulent account was included in that report. Violations by Credit Acceptance 1. FCRA 605B Identity Theft Blocking Requirements Once notified of identity theft, Credit Acceptance is required to : Stop reporting fraudulent information Provide results of its investigation Provide documentation that verifies the account Credit Acceptance has failed to do this. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion A deleted account may only be reinserted if the furnisher ( Credit Acceptance ) : Certifies the accuracy, AND Provides documentation proving the account is legitimate I never received : Any reinsertion notice Any certification Any supporting documents Any fraud investigation results This reinsertion was illegal. FCRA 623 ( a ) ( 6 ) Duty to Investigate Identity Theft Claims Credit Acceptance continued reporting a fraudulent account even after being notified it resulted from 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 explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am submitting this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite multiple prior disputes and removal requests, my account with XXXX XXXX XXXX continues to be reported on all three credit bureaus with a balance of {$0.00}, yet it remains listed inconsistently, inaccurately, and in a manner that can not be verified. This repeated reporting of an unverifiable account has caused significant harm to my creditworthiness, misrepresents my financial standing, and creates unnecessary confusion, stress, and potential financial consequences. The continued presence of this account demonstrates noncompliance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which guarantees my right to dispute inaccurate information and mandates a timely reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ]/ 605B [ 15 U.S.C. 1681c-2 ], which prohibits furnishers from reporting inaccurate or unverifiable information. Despite my repeated efforts to have this account removed, it remains on my reports, indicating that the credit bureaus have failed to meet these federal requirements, thereby continuing to expose my credit profile to errors and misrepresentation. The ongoing reporting of unverifiable information is unacceptable and undermines the integrity of my credit history.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased my vehicle on XX/XX/XXXX for {$19000.00} at an interest rate of XXXX %, and I paid {$2000.00} in cash as a down payment. My monthly payments are {$490.00}, and I began making payments on XX/XX/XXXX. As of XX/XX/XXXX, I still owe {$20000.00} on this loan. 

This amount appears to be a major discrepancy in charges and fees, as it does not align with the amount financed or the length of time I have been making payments. At the time of purchase, the salesperson did not disclose the interest rate, the total cost of the loan, or the long-term financial impact. Instead, I was rushed through the process and told simply to sign here. 

At that time, I was a single mother recovering from a serious car accident on XX/XX/XXXX that left me wheelchair-bound and without transportation. I arrived at XXXX, the dealership where I financed the vehicle, alone and vulnerable. I now believe that my situation was taken advantage of. I was not properly informed, and I did not knowingly agree to a XXXX  % interest rate or decline GAP insurance coverage. My original signature was copied and pasted on documents without my knowledge or consent. 

I have made multiple attempts to resolve this issue, but Exeter Finance, the finance company, has refused to validate my concerns or conduct an investigation. This letter is my final effort to seek fairness and accountability. 

There is no reasonable explanation for why I owe more now than I originally financed after XXXX years of payments and more than {$2000.00} down payment. I am seeking justice, transparency, and for my voice to finally be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In XXXX I took out an auto loan with credit acceptance and making payments consistently. Around XXXX when XXXX hit, I was paying for part of the loan, but eventually became unable to continue to pay due to financial hardship. I expected the company might repossess the car, but they did not around XXXX, credit acceptance threatened to sue me so I started making payments again then unexpectedly they sent me the title to the vehicle. Confirm confirming that I now owned the car outright since then I have not heard anything further from them. Despite owning the car and having the loan effectively settled, the account is still being reported inaccurately on my credit report showing that late payments and unpaid balance. This is significantly affecting my credit and making it difficult me to rent an apartment or access other financial opportunities I can not afford the additional amount and I should not have to since the title confirms that I fully owned the vehicle.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies because both of my XXXX accounts XXXX ending in XXXX ( reported as Debt included in or XXXX through XXXX, with late payments recorded after the XXXX  XXXX filing, originally opened XX/XX/XXXX, last reported XX/XX/XXXX ) and XXXX ending in XXXX ( reported as Late Closed, showing a balance of {$1700.00}, originally opened XX/XX/XXXX, last reported XX/XX/XXXX ) have been inaccurately furnished and are being reported by all three credit bureaus despite clear evidence of factual inconsistencies. For the XXXX-related account, XXXX incorrectly furnished post-XXXX  late payments, which is impossible once a XXXX XXXX case is filed and constitutes a failure to maintain accurate reporting under FCRA 607 ( b ) and a violation of my dispute rights under FCRA 611 and the time-limit restrictions under 605 ( a ) ( 1 ) ; these late payments do not align with the XXXX  timeline and have severely impacted my credit. For the second XXXX account, the company is reporting late payments after the account was closed, which can not occur on a closed account and constitutes a billing-related reporting error that falls under 15 U.S.C. 1666 ( Correction of Billing Errors ) and a violation of 15 U.S.C. 1666a, as creditors may not continue negative reporting during a disputed or inaccurate billing situation. Additionally, for both accounts, XXXX failed its duties as a furnisher under FCRA 623 ( a ) ( 2 ) to correct and update inaccurate information, and under FCRA 623 ( b ) to properly investigate after receiving notice of a dispute from me and from the credit bureaus. These repeated inaccuracies across XXXX separate XXXX accounts demonstrate a pattern of improper data furnishing, inconsistent account histories, and disregard for federal reporting standards, causing significant harm to my creditworthiness and preventing me from rebuilding financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
On XX/XX/2025 I was contacted by the company XXXX on behalf of Acima to collect an alleged debt. I received a voicemail from an alleged government processor who'd been sent my information by XXXX. The processor stated on the voicemail that her name was XXXX XXXX, and she is attempting to locate me ( XXXX XXXX ) on behalf of a legal case that is pending. XXXX XXXX also stated that she'd be contacting my place of employment in order to locate me and stated that if I contacted XXXX XXXX XXXX XXXX I would possibly stop the case from being processed. After XXXX XXXX could not make contact with me, she contacted my mother and left another voicemail stating the exact same thing which is she's looking for me ( XXXX XXXX ) due to a pending legal case. I proceeded to call the number and was connected to an agent identified as XXXX XXXX, XXXX XXXX informed me that I have a legal case pending with the allegations of breach of contract, and failure to repay a loan. XXXX XXXX informed me that a legal processor of XXXX XXXX is going to begin filing a case against me, and in order to stop the case from being filed I'll need to supply full payment or setup payment arrangements. I initially agreed to the payment arrangements, but requested an arrangement confirmation email prior to setting up the payment arrangements. XXXX XXXX explained that due to legal reasons she nor the company XXXX will be able to supply any validation documentation to me due to them not being a debt collector, they're only a legal processing company. XXXX XXXX also explained that once the alleged debt is paid in full I will receive an email stating that the debt has been paid in full. XXXX XXXX explained that if I want to validate debt I need to call Acima, and from there Acima will instruct me to multiple debt collectors to which my information has been sold to which would ultimately lead me back to XXXX. XXXX XXXX concluded the call saying she doesn't know if my information will still be in office tomorrow and that the processor of XXXX XXXX will likely have it to setup a court date and I'll be responsible for paying over {$1000.00} in legal fees on top of the alleged debt. After I informed XXXX XXXX I'd be concluding the call, she asked if I had a lawyer at this time and I declined. XXXX XXXX failed to notify me of my rights, nor did she state during the beginning of the call that she's a debt collector, XXXX XXXX denied being a debt collector and stated XXXX is a legal entity working on behalf of Acima. I'd informed XXXX XXXX that I haven't been contacted by Acima nor any additional collection agency, however, XXXX XXXX insisted that I have been contacted numerous times. During my attempts to validate the debt and company, XXXX XXXX refused and only stated she works for XXXX, which is the agency building a legal case against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: TX

Complaint narrative:
Continous calls and uses local, State, and City phone numbers to attempt getting through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I have reached out for months about accounts that are not mine with no response

Company response to consumer: Closed with explanation