vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to formally dispute certain information on my credit report that I believe is inaccurate or incomplete. Specifically, I am disputing charge-off accounts that continue to be reported on my credit file.\n\nThe following accounts are in question:\n\nCreditor Name: XXXX XXXX\n\nAccount Number: Unknown\n\nReason for Dispute: This account is inaccurately reported as a charge-off. I have either paid, settled, or have not received accurate or verifiable documentation that justifies the charge-off status.\n\nI am requesting that you investigate this account and remove or correct the charge-off notation if it cannot be fully verified with proper documentation from the original creditor, as required under the Fair Credit Reporting Act (FCRA).\n\nIn accordance with FCRA  611 (15 U.S. Code  1681i), I respectfully request that you complete your investigation within 30 days and notify me of the results in writing.\n\n\nPlease update my file accordingly and send me a copy of the revised credit report once the investigation is complete.\n\nThank you for your time and attention to this matter.\n\nSincerely,\nXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXXnXXXX\nXXXX\nXXXX\nXXXXXXXX\nXXXX

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 2025-07-04 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: AL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 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 Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Furthermore, my credit report lists multiple inquiries that I did not authorize. Under FCRA 604, a consumer reporting agency may only provide a credit report with a permissible purpose. The following inquiries do not meet that standard and were not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal oftheseentries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Global Lending Services LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX Re : Dispute of Alleged Debt Under Civil Code XXXX Account Number : [ Insert account or reference number ] To Whom It May Concern, I am writing in response to your recent communication dated [ insert date ], regarding the alleged civil liability and negligence claim against me. Pursuant to California Civil Code 16810, I am formally disputing the validity of this debt in its entirety and requesting full verification.

As allowed under California law, I request that you provide me with the following : 1. A detailed accounting of the alleged debt, including the original amount, any interest, fees, or other charges that have been added ; 2. The name and address of the original creditor, along with any documentation supporting the transfer or assignment of the debt ( if applicable ) ; 3. A copy of any judgment, contract, or agreement that provides evidence of my alleged liability ; 4. Proof of compliance with all applicable laws, regulations, and standards of care if this matter involves allegations of negligence or civil liability ; 5. The date and circumstances of the alleged incident or contract that supposedly gave rise to this obligation.

Please be advised that until you provide full verification, as required under Civil Code 16810, you must cease all collection activity, including reporting this matter to any credit bureau or threatening legal action.

If you fail to provide the requested documentation and continue to pursue this matter, you will be in violation of my consumer rights, and I will not hesitate to report your actions to the California Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ). I also reserve the right to pursue any and all legal remedies available to me. 

Please respond in writing within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX Let me know if you want this letter tailored to a specific company, incident, or type of negligence ( e.g., medical, landlord-tenant, auto accident ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX Re : Dispute of Alleged Debt Under Civil Code XXXX Account Number : [ Insert account or reference number ] To Whom It May Concern, I am writing in response to your recent communication dated [ insert date ], regarding the alleged civil liability and negligence claim against me. Pursuant to California Civil Code 16810, I am formally disputing the validity of this debt in its entirety and requesting full verification.

As allowed under California law, I request that you provide me with the following : 1. A detailed accounting of the alleged debt, including the original amount, any interest, fees, or other charges that have been added ; 2. The name and address of the original creditor, along with any documentation supporting the transfer or assignment of the debt ( if applicable ) ; 3. A copy of any judgment, contract, or agreement that provides evidence of my alleged liability ; 4. Proof of compliance with all applicable laws, regulations, and standards of care if this matter involves allegations of negligence or civil liability ; 5. The date and circumstances of the alleged incident or contract that supposedly gave rise to this obligation.

Please be advised that until you provide full verification, as required under Civil Code 16810, you must cease all collection activity, including reporting this matter to any credit bureau or threatening legal action.

If you fail to provide the requested documentation and continue to pursue this matter, you will be in violation of my consumer rights, and I will not hesitate to report your actions to the California Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ). I also reserve the right to pursue any and all legal remedies available to me. 

Please respond in writing within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX Let me know if you want this letter tailored to a specific company, incident, or type of negligence ( e.g., medical, landlord-tenant, auto accident ).

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 2025-07-04 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent HARD INQUIRIES from my credit report. 

HARD INQUIRIES : 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 explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XX/XX/year>2023, XXXX XX/XX/year>2023. 


Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-04 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: NY

Complaint narrative:
I am submitting this complaint against Credit Acceptance Corporation due to ongoing violations of federal credit and billing laws. 

The company has reported my auto loan account as closed, yet continues to show it as delinquent with updated late payments after the closure date. According to my credit report from XXXX, the delinquency is still showing as updated or reported recently, despite the account having no new activity and being closed. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or misleading information. Reporting ongoing delinquencies on a closed account constitutes re-aging the debt, which is illegal and unfairly damages my credit profile. 

In addition, the creditor or its third-party agent failed to comply with 15 U.S.C. 1666b ( a ) of the Truth in Lending Act ( TILA ). Payments were marked as late even though billing statements were not delivered at least 21 days prior to the due date, as required by law. If a collection agency was responsible for sending statements, they did not issue monthly, Regulation Zcompliant billing statements as required. This invalidates any late fees, charges, or delinquency notations. 

I am requesting the following : Removal of all late payment or delinquency notations on the closed account A full investigation into the billing and reporting practices Proof that any billing statements were sent properly and lawfully Enforcement of compliance with FCRA, TILA, and the Fair Credit Billing Act ( FCBA )

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 2025-07-04 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:
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 2025-07-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding a Wells Fargo account ending in XXXX, which was paid in full on XX/XX/year>. While the balance is now {$0.00}, the account continues to be reported as negative. 

I contacted Wells Fargo last week and was told they do not remove paid collection accounts. I believe this is unfair, especially considering I paid the debt in full not through settlement as an act of good faith. 

This negative account is actively harming my chances of qualifying for an FHA home loan, despite it being fully resolved. I am asking for a goodwill deletion of this account from my credit report to reflect my full repayment and responsible financial behavior.

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 2025-07-04 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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