vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CO

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding the reporting practices of Credit Acceptance Corporation concerning an auto loan account that was included in my bankruptcy. The account details are as follows : Account Number : XXXX Appears on : XXXX and XXXX Current Status : Closed / Included in Bankruptcy Despite the account being discharged through bankruptcy, it continues to be updated, most recently on XX/XX/year>. This is inaccurate and misleading. The reported balance and activity dates do not match the bankruptcy records, which is concerning. 
Once an account is discharged, it should no longer reflect ongoing activity or changes, especially in terms of balances or reporting dates. These kinds of updates create the impression that the account is still active or relevant, which is not the case. Such reporting may mislead future creditors and negatively affect my creditworthiness.

Under FCRA 607 ( b ), data furnishers must ensure the accuracy and integrity of the information reported. These updates contradict that requirement and could be considered non-compliant with post-bankruptcy reporting standards.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted Experian multiple times to report this account, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These account have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing this account 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the derogatory payment status reported on my Experian credit report by SELF FINANCIAL/LEAD BANK , listed under account number XXXX. The report inaccurately reflects a 60-day late payment in XX/XX/year> for an account that was reported paid and closed as of XX/XX/year>. 

This derogatory mark appears to be inaccurate, unverifiable, and incomplete, and I demand its immediate permanent deletion from my credit file based on the following grounds : Legal Violations and Grounds for Deletion 1. Violation of FCRA 1681i ( a ) Failure to Ensure Maximum Possible Accuracy Under the FCRA, a consumer reporting agency must maintain only information that is complete and accurate. Reporting a 60-day delinquency on an account that was paid and closed less than 30 days later raises questions about the legitimacy and temporal accuracy of the delinquency status.

2. Violation of FCRA 1681s-2 ( b ) Duty of Furnishers to Investigate and Correct Furnishers of information are legally obligated to conduct a reasonable investigation when a consumer disputes data. You are required to verify the accuracy and chain of custody of the information being reported. If this can not be done with documentation from the original creditor, the information must be deleted.

3. Violation of FCRA 1681c ( a ) ( 5 ) Reporting of Outdated Information If this derogatory mark is based on a prior reporting cycle or misdated entry, it may constitute re-aging, which is illegal. The FCRA prohibits the retention or dissemination of stale or outdated negative information.

4. Unverifiable Payment Records Under the law, if the creditor or data furnisher can not provide a signed Master Promissory Note ( MPN ) and detailed chain of custody documentation, then the delinquency is legally unverified and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MS

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 Experian, XXXX 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 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During the COVID-19 pandemic, I entered a forbearance plan through my original mortgage company under the protections of the CARES Act. I was informed that my account would not be reported negatively and that missed payments would be handled through deferral or other approved repayment options. 

Recently, I reviewed my credit report and found that XXXX XXXX  XXXX is reporting a debt of approximately {$60000.00}. I was never notified of any loan transfer to XXXX, and I never received documentation explaining this balance or how it was calculated. This debt was not disclosed to me, nor was it ever validated. 

This appears to be a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ). Additionally, it contradicts the terms and protections offered under the CARES Act, which explicitly prohibited negative credit reporting during COVID-related forbearances if the account was current when forbearance began. 

I believe this is not just an error but a predatory and harmful business practice. It has caused significant damage to my credit, and I am concerned that XXXXXXXX XXXX XXXXXXXX is engaging in systematic misconduct that may affect many other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I, XXXX XXXX XXXX, am filing a formal identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. My personal information was used without authorization to fraudulently open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which now appears on my credit report. I did not open or benefit from this account and assert that I am the victim of identity theft. 

I have submitted all required documentation to XXXX XXXX, including : My government-issued photo ID Proof of address FTC Identity Theft Report ( # XXXX ) A formal written request for a block under FCRA 605B A police report from the XXXX Police Department documenting the identity theft Despite receipt of these materials, XXXX XXXX has yet to take corrective action by instructing the credit bureaus to block the fraudulent tradeline, which they are required to do within 4 business days under the law. The account in question was opened around XX/XX/XXXXXXXX  and was discovered in XX/XX/XXXX. It is harming my credit profile and preventing me from accessing fair credit. 

I respectfully request that XXXX XXXX : Immediately comply with FCRA 605B Notify the credit reporting agencies to permanently block the fraudulent tradeline Cease any further reporting or collection activities on this unauthorized account Failure to comply will result in further action, including complaints to the CFPB, FTC, and legal counsel 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 non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I, XXXX XXXX XXXX, am filing a formal identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. My personal information was used without authorization to fraudulently open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which now appears on my credit report. I did not open or benefit from this account and assert that I am the victim of identity theft. 

I have submitted all required documentation to XXXX XXXX, including : My government-issued photo ID Proof of address FTC Identity Theft Report ( # XXXX ) A formal written request for a block under FCRA 605B A police report from the XXXX Police Department documenting the identity theft Despite receipt of these materials, XXXX XXXX has yet to take corrective action by instructing the credit bureaus to block the fraudulent tradeline, which they are required to do within 4 business days under the law. The account in question was opened around XX/XX/XXXXXXXX  and was discovered in XX/XX/XXXX. It is harming my credit profile and preventing me from accessing fair credit. 

I respectfully request that XXXX XXXX : Immediately comply with FCRA 605B Notify the credit reporting agencies to permanently block the fraudulent tradeline Cease any further reporting or collection activities on this unauthorized account Failure to comply will result in further action, including complaints to the CFPB, FTC, and legal counsel 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 2025-07-10 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:
I, XXXX XXXX XXXX, am filing a formal identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. My personal information was used without authorization to fraudulently open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which now appears on my credit report. I did not open or benefit from this account and assert that I am the victim of identity theft. 

I have submitted all required documentation to XXXX XXXX, including : My government-issued photo ID Proof of address FTC Identity Theft Report ( XXXX XXXXXXXX ) A formal written request for a block under FCRA 605B A police report from the XXXX Police Department documenting the identity theft Despite receipt of these materials, XXXX XXXX has yet to take corrective action by instructing the credit bureaus to block the fraudulent tradeline, which they are required to do within 4 business days under the law. The account in question was opened around XX/XX/XXXX and was discovered in XX/XX/XXXX. It is harming my credit profile and preventing me from accessing fair credit. 

I respectfully request that XXXX XXXX : Immediately comply with FCRA 605B Notify the credit reporting agencies to permanently block the fraudulent tradeline Cease any further reporting or collection activities on this unauthorized account Failure to comply will result in further action, including complaints to the CFPB, FTC, and legal counsel if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

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 : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
In accordance with 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies are required to exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. The inaccurate information being reported does not reflect this standard, and I am formally requesting its immediate investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-10 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: MS

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

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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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