vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX in XX/XX/year>. After the repossession, I received no documentation explaining the balance due, any sale of the vehicle, or a breakdown of how the alleged charge-off was calculated. I was not provided a 1099-C or any closure notice. I contacted both XXXX XXXX XXXX and their assigned agency, XXXX, to dispute the debt and request validation. Neither party responded with the required information, yet the negative charge-off remains on my credit report and continues to harm my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute certain inquiries that appear on my credit report, as I did not authorize them. These inquiries were not initiated or approved by me, and I request that they be removed immediately from my credit file under the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please conduct an investigation into these inquiries and remove any that you find to be unauthorized. I have attached a copy of my identification and proof of address to assist with verifying my identity. 

Once your investigation is complete, please send me written confirmation of the results and provide an updated copy of my credit report reflecting the removals. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-10-13 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:
I am submitting this complaint to formally dispute and demand correction of multiple inaccurate, misleading, and unverifiable items appearing on my credit reports. These errors are damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Wrong/Incorrect Addresses Reported The following addresses are not and have never been associated with me. Their presence on my credit file is inaccurate and constitutes a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand immediate removal of these addresses from all of my credit files. 

2. Inaccurate and Disputed Accounts The following accounts are being reported with false, incomplete, or unverifiable information, including late payments, charge-offs, and collections. Many of these are not mine, are misreported, or lack proper validation : XXXX XXXX XXXX Incorrect late payment reporting. 

XXXX XXXX XXXX, inaccurate reporting. 

XXXX XXXX Inaccurate late payment reporting. 

XXXX XXXX Reported as charge-off, unverifiable. 

XXXX XXXX XXXX late payment reporting. 

XXXX XXXX XXXX XXXX, incorrect data. 

XXXX XXXX  Reported as charge-off, inaccurate. 

XXXX XXXX XXXX Inaccurate late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple charge-offs, all unverifiable. 

XXXX XXXX XXXX XXXX Reported as collection, disputed and unverifiable. 

These accounts must be investigated, verified with original documentation, or permanently deleted if the information can not be substantiated. 

3. Unauthorized/Improper Inquiries The following inquiries are appearing on my credit file without my knowledge or authorization. They must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 Per FCRA guidelines , only inquiries that I explicitly authorize in connection with a credit application may remain. These were not authorized and must be deleted.

My Demands I respectfully demand that the CFPB ensure the following corrective actions are taken immediately : Remove all incorrect addresses from my credit report. 

Delete or correct all inaccurate, unverifiable, or misreported accounts. 

Remove all unauthorized hard inquiries. 

Provide me with written confirmation of the results of the investigations. 

Failure to properly investigate and correct these errors is a direct violation of the FCRA, and I am prepared to escalate this matter further if necessary.

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 2025-10-13 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made repeated attempts to correct inaccurate personal identifying information on my Experian credit file and have been repeatedly hung up on or routed only to automated menus. I have already successfully corrected my files with XXXX  and XXXX XXXX XXXX  confirmed correction and offered to mail a report ). Experian repeatedly refuses to connect me to a live agent or fix the inaccurate PII which is preventing valid disputes. 
I have called Experian multiple times ( dates/times below ) using several routing methods and menu options, including pressing for fraud, requesting an operator, asking to unfreeze a report, and stating I needed to file an FCRA dispute each attempt either disconnected me or the system would not put me through to a live dispute XXXX. 
XXXX XXXX XXXX are now corrected ; Experian remains the only bureau refusing to properly update my PII. Because Experian will not correct my identifying information, I can not successfully dispute and remove derogatory accounts that are tied to old addresses and name variations.

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 2025-10-13 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
i have requested this account to be removed! I dont know what this is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-10-13 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has no legitimate reason to report a collection account ( XXXX ) on my TransUnion credit file. They furnished this account without providing the legally required validationno signed agreement, no breakdown of the balance, and no proof of their legal right to collect. Instead, they improperly reported this debt as if it were valid, which it is not. This constitutes a violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which mandates debt collectors to provide full validation before taking any collection action. Additionally, XXXX XXXX XXXX failed to give me a meaningful opportunity to dispute the debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite not complying with these federal requirements, they proceeded to report the debt. Their actions also violate 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act, which prohibits reporting to credit bureaus without proper notice and dispute opportunities. Furthermore, XXXX XXXX XXXX had no permissible purpose under 15 U.S.C. 1681b, and this account fails to meet the accuracy standard set forth under 15 U.S.C. 1681e ( b ). This unauthorized and negligent reporting has damaged my credit profile and wasted my time. It is both unlawful and negligent, and I demand that it be addressed and removed from my credit report 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
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is an inquiry from XXXX XXXX XXXX. It is fraudulent/ incorrect information. Please remove this asap

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 2025-10-13 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: NY

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Starting XX/XX/2025 it became clear that making my mortgage payment would mean my family would starve. I made partial payments, but Im definitely XXXX months behind since apparently XXXX is suppose to be to qualify for a loan modification. However, apparently loan modification only work for people whom have a significant amount of equity, which after only XXXX XXXX  I dont have much equity. I only found this out after filing out in depth paperwork with a bunch of proof pertaining to my financial situation through my mortgage company. 
My mortgage was doomed from the start due to the fact that my veterans XXXX income benefit included dependency benefits that either already stopped, or were stopping, yet the income was counted anyway and I dont understand how my residual income suddenly was with in the XXXX XXXX allowed when it definitely wasnt XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Nature of Complaint : I am filing a formal complaint against Portfolio Recovery Associates , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and unlawfully invading my financial privacy through the unauthorized and continued reporting of disputed debts to credit bureaus. Despite my formal written dispute and demand for removal, Portfolio Recovery Associates continues to report these debts, causing financial injury by negatively impacting my creditworthiness. Violations Committed : XXXX. Failure to Cease Communication After Dispute ( FDCPA 1692c ) - I formally disputed the debts and requested validation. Instead of halting collection efforts as required, Portfolio Recovery Associates continued reporting to credit bureaus, constituting an unauthorized communication. 2. False and Misleading Representations ( FDCPA 1692e ) - The company is misrepresenting the legal status of the debts by continuing to furnish them as valid, despite my disputes. XXXX. Unfair Practices ( FDCPA 1692f ) - By refusing to remove the disputed debts, Portfolio Recovery Associates is using unfair and unconscionable means to collect the debt. XXXX. Failure to Verify Before Reporting ( FCRA 1681s-2 ) - Under the Fair Credit Reporting Act, a furnisher must verify the accuracy of a disputed debt before continuing to report it. Portfolio Recovery Associates has failed to do so. XXXX. Unauthorized Credit Reporting ( FCRA 1681b ) - My credit report is private information, and Portfolio Recovery Associates does not have my express or implied authorization * * to furnish any information about me to credit bureaus. 

They currently have XXXX different alleged debts listed on both of my credit reports. It is important to note that Portfolio Recovery Associates LLC is NOT permitted to collect on debts in the state of NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief