vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am disputing Credit Acceptance Corporations reporting of a repossession/voluntary surrender on my credit report. The account is inaccurate and unverifiable because Credit Acceptance failed to send legally required pre-sale and post-sale notices to my correct address, despite having my current address documented on the tow paperwork The account was closed on XX/XX/XXXX, yet they verified the reporting with all credit bureaus without providing any supporting documentation. I am requesting immediate deletion of this account and any associated deficiency balance from all credit reporting agencies.

Timeline & Facts : Vehicle was picked up by the tow driver on XX/XX/XXXX, and the tow paperwork shows my current address, which is the address from which the vehicle was towed. 

The account was closed on XX/XX/XXXX. 

XXXX paperwork shows a prior address, but my drivers license reflects my current address, confirming that Credit Acceptance had accurate contact information.

I emailed Credit Acceptance on XX/XX/XXXX, requesting : Pre-sale and post-sale notices Sale documentation and proof of commercial reasonableness under UCC Article 9 Full accounting of any alleged deficiency balance Despite this, Credit Acceptance : Never sent the required notices to my correct address Did not provide any proof of sale or deficiency balance Verified the account with all credit bureaus as accurate, even though it can not be substantiated This reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and UCC Article 9, which require accurate, complete reporting and proper notice before a deficiency can be claimed or reported.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-18 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:
My home was burglarized and all my personal information stolen and used to open for accounts. Please help delete and block these fraudulent accounts.

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 2025-09-18 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: IL

Complaint narrative:
My home was burglarized and all my personal information stolen and used to open for accounts. Please help delete and block these fraudulent accounts.

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 2025-09-18 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My complaint and issue is with Citibank. I had a XXXX get in financial trouble so of course I helped him. He failed to repay as agreed and that caused several checks to " bounce '' with Citibank as I was just struggling to survive until XX/XX/XXXX XXXX check. It should be noted that not only did I speak to Citibank several times during the less than XXXX weeks before my XXXX deposit was to hit, if I was trying to get anything over on Citibank, I could have made a phone call/internet submission and had the deposit sent somewhere else and Citibank would not have gotten the money to collect what I owe them. But, I did the right thing and allowed the deposit to go to Citibank as to honor what I had told them I would do. Citibank received the deposit on the XXXX of XXXX and lied to me several days saying they did NOT receive my deposit ( XXXX XXXX  Funds ) which according to Federal law, Citibank does NOT have legal right to tie up my money for this amount of time, especially since they have been sent documentation making them aware this is Federal XXXX funds and also that I am XXXX due to XXXX XXXXXXXX at XXXX XXXX XXXX!! They have no compassion and have no care or concern about mankind whatsoever. today is XX/XX/XXXX, XXXX full weeks since they received my XXXX funds and I am still lied to every single day that they are still processing my refund of funds. I fully intend to hire an XXXX based XXXX Rights attorney whom is chomping at the bits to tackle Citibank and its " unscrupulous '' ethics and business morals due to how they have handled this situation. He intends to go public in all news platforms to show this nation what the ethics and standards truly are when concerning Citibank and how they treat " lower '' socionomic and financially struggling Americans.Since I have made it clear to them to take the money and all the fees they have found to " grow '' what I owe and they STILL refuse to allow me access to MY money, it is not theirs, I hope they really accomplished something great for themselves by denying a XXXX man access to his hard-earned benefits due to decades of hard work and paying into the system that they themselves depend on as well. Al I can say is Citibank will reap what they sow and I hope they feel good about the worries, struggles, and pain they have needlessly forced XXXX XXXX suffer through.

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 monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was scammed for {$490.00} buying boxing tickets from XXXX marketplace i reached out to them help me out and they denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Dear TransUnion I am writing formally dispute the accuracy of certain information reported on my credit report under Section 605B of the fair Credit Reporting Act. 

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDELENT INQUIRIES : XXXX XXXX, XXXX, XXXX XXXXXXXX, 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 2025-09-18 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: Stern & Stern. P.C.
State: FL

Complaint narrative:
False charge-off reporting by Municipal Credit XXXX XXXX XXXX ) ; deceptive collection activity by XXXX & XXXX XXXX XXXX IRS Form XXXX ; non-compliance with XXXX XXXX standards I XXXX filing this complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX and their debt collection attorneys, Stern & Stern, P.C. XXXX for inaccurate XXXX reporting and deceptive collection activity. 

XXXX XXXX XXXX : XXXX is reporting a charged-off account on my credit report. The account reflects re-aged activity dates that do not match the true Date of First Delinquency. This re-aging practice unlawfully extends the negative reporting period in violation of the Fair Credit Reporting Act ( FCRA ). 

No IRS Form XXXX Filed : I obtained my official IRS Wage XXXX XXXX XXXX for XXXX relevant years. These transcripts show that no Form XXXX was filed under my SSN by XXXX for this account. Other creditors ( such as XXXX XXXX XXXX XXXX ) did properly file XXXX when cancelling debt, but XXXX did not. This demonstrates inconsistent and misleading reporting practices. 

Deceptive Collection Practices : XXXX & XXXX, acting as debt XXXX for XXXX, attempted to collect through XXXX XXXX XXXX by using an old address where I no longer reside. This appears to be a deceptive attempt at improper service, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Non-Compliance with XXXX XXXX Standards : The tradeline is not being reported in accordance with XXXX XXXX standards, which require uniform, accurate, and complete furnishing across all credit bureaus. MCUs inconsistent balances, re-aged activity dates, and missing fields demonstrate non-compliance with XXXX XXXX. This further renders the account inaccurate and misleading. 

Evidence Provided : Wage & Income Transcript pages ( redacted ) confirming no XXXX issued by XXXX. 

Credit report screenshots showing XXXX charge-off reporting and re-aged dates. 

Comparison evidence showing XXXX XXXX proper XXXX filing. 

Proof that XXXX & XXXX attempted to serve me at an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-18 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. My credit report shows fraudulent accounts and inquiries that I did not authorize, including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX as well as inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX These negative items do not belong to me and are harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Several fraudulent entries have appeared on my credit file as a consequence of identity theft, yet I have never granted any written consent or authorization for these accounts to be established or reported. After my prior contact with your agency concerning this violation, I am now demanding the immediate suppression and elimination of these illegitimate accounts from my credit profile. The ongoing presence of these false entries has created considerable financial damage and personal anguish, as they misrepresent my actual credit behavior and financial commitments. Without proper resolution of this matter, I will be forced to initiate legal proceedings to safeguard my consumer rights and obtain appropriate remedies. These unauthorized entries have severely impacted my capacity to secure essential financing for major purchases, including homeownership, and have compromised my family 's financial stability.

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