vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 : XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I bought a truck through Credit acceptance corporation, as my financer. 7 days later this truck with a XXXX year XXXX mile warranty blew the motor due to no operator error. XXXX had the truck 6 weeks while I was out of pocket renting one, and paying payment on truck I barely drove. After they denied my warranty credit acceptance corporation retrieved my truck from XXXX because I wouldnt pay. They have marked late payments on my credit for five years now! For a truck I dont have!

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 2025-06-20 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:
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 2025-06-20 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:
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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for the wrongful cancellation of my auto policy and improper denial of coverage for a valid claim, which has resulted in an unjustified subrogation demand against me. 

I purchased a liability policy from XXXX XXXX XXXX XXXX XXXX XXXX and paid for the full month. On XX/XX/XXXX, I called their agents office to inquire about a premium increase and expressed intent to cancel before the next billing cycle. However, instead of processing the cancellation at the end of the month as implied, the agent canceled my policy effective XX/XX/year>, based on a disputed interpretation of that phone call. XXXX XXXX canceled my policy without prior notice and did not inform me before the accident occurred. 

On XX/XX/year>, I was involved in a minor accident with a XXXX XXXX. My vehicle was totaled, while the other vehicle suffered only minor bumper damage. XXXX XXXX initially accepted my claim that same day and provided me with a claim number ( Claim XXXX XXXXXXXX ), only to later inform me that my policy had been canceled XXXX days earlier. I never received any written notice or email of cancellation before the accident, which prevented me from securing alternative coverage or avoiding driving altogether. 

My core concern remains why didnt XXXX XXXX notify me by email at the time of cancellation? They previously used email to send my welcome message. An email notification would have alerted me the same day and likely prevented this situation I am now facing. Mailing a notice that arrives days later is not a sufficient safeguard, especially when a loss occurs shortly after. 

Even if mailing cancellation notices is the companys standard procedure, they could also have emailed me which costs nothing and would not conflict with their standard process. I believe the lack of same-day digital communication in a policy termination especially when time-sensitive is a serious gap in consumer protection. 

The denial of that claim led to a subrogation demand of {$13000.00} now being pursued by NCS ( National Commercial Services ). I formally disputed the debt with NCS, stating that I never received adequate notice of cancellation and that the claim denial is based on XXXX XXXX improper communication. The XXXX XXXX XXXX XXXX reviewed the matter and confirmed that it could not be resolved due to conflicting accounts between me and the insurer. 

XXXX XXXX failure to provide timely cancellation notice and their retroactive denial of my claim have exposed me to significant financial liability that I do not believe I should bear. I dispute the legal validity of this collection effort and assert that I was denied fair notice and a reasonable opportunity to maintain coverage. This debt is not legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT DISPUTE DATA BREACH REMOVAL DEMAND FCRA 605B, 609 ( b ), FDCPA 809 ( b ), UCC 1-308 To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate removal of the following accounts and inquiries from my TransUnion credit file. I am a victim of a confirmed data breach, during which my personal identity was unlawfully accessed and compromised. These accounts and inquiries are fraudulent, unauthorized, and unverifiable. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ), I demand immediate removal of the following : Accounts to Be Deleted : XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX XXXX Account # : XXXX Amount : {$950.00} XXXXXXXX XXXX Account # : XXXX Amount : {$0.00} Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were placed as a result of the exposure and misuse of my personal information, and must be permanently deleted under : FCRA 605B Block fraudulent data due to identity theft FCRA 609 ( b ) Furnish all documentation used to verify these accounts FDCPA 809 ( b ) Cease collection efforts without full validation UCC 1-308 & 3-501 Reserve rights and demand lawful proof You are hereby notified that you have 4 calendar days from the date of receipt of this letter to delete the above-listed items. If you fail to comply, I will proceed to file formal complaints with the CFPB, FTC, and Illinois Attorney General, and pursue civil litigation under 15 U.S.C. 1681n & 1681o for noncompliance. 

A failure to act will be treated as willful negligence. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/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 2025-06-20 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: MA

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 explanation
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXXXXXX XXXX XXXXXXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/year> I had XXXX Credit Cards that I had gotten behind on and the Credit Cards were Charged off by the Credit Card company. XXXX  card had a balance of approx. {$5800.00} and the other had a balance of approx. {$1300.00}. I was advised by the VA to try to clean up my credit.I contacted Capital One to try to find a solution. They offered me a settlement of Approx. {$3800.00} on the XXXX Account and XXXX  monthly payments on the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Trans Union special handling department committing fraud please investigate special handling department. They are not accepting the FTC reports that I am submitting. They are not responding. Neither is XXXX. Im requesting these items be blocked permanently from my profile. I did not open these accounts. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MA

Complaint narrative:
I financed a refrigerator from a company called XXXX XXXX in XXXX RI in XX/XX/year> for the believe about of {$650.00}. The first refrigerator wasnt working and the company came back and brought a replacement. That refrigerator did not work at all and it was used when it should have been new as quoted by the company. The refrigerator has bugs and and did not cool at all. I requested to have them come pick up the refrigerator and cancel the agreement because of the infestation of cockroaches and it did not work, to add on the refrigerator wasnt now XXXX! As agreed. The XXXX XXXX XXXX came and picked up the refrigerator and was to call and cancel with XXXX. I reached out to the company to cancel this because of the situation mentioned they refused to cancel the agreement and said the owner of the company said he would give me a credit for another appliance. ( I did not accept the credit because of the poor sales practice and the infestationthat came with it .The original contact was for a NEW APPLIANCE for the make and model I purchased the company provided a used bug infested broken fridge after the original fridge wasnt working. This item has been return for almost 2 years now. This debt does not belong to me anymore as the contact was breached for not providing the item I signed a contract for. XXXX Sold the debt to a XXXX party and they reached out to me via mail about this debt. I would like this debt to be cancel and removed from my report. I did not receive any product and this is a very poor sales practice. Ive argued with XXXX  multiple times and they did not act professionally and kept hanging up my calls. I did file a report to the XXXX of this matter. I will like XXXX  to delete my account and to contact the 3rd party collection agency And cancel the debt and for tureaccord to cancel the debt collection.

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the account reported by Portfolio Recovery Associates, ending in XXXX XXXXXXXX, as it is currently being misrepresented and reported inaccurately on my XXXX  credit report. Although this account was previously listed as a collection, it is now appearing in the closed accounts section and reporting as if it were a standard credit tradeline. This misclassification violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), which require all information furnished to a credit bureau to be accurate and clearly identified. This account is not an installment or revolving credit account, but athird-party debt buyer tradeline, and should be categorized properly as acollection, not as a closed loan or credit account. The balance of {$1000.00} continues to report despite no contractual relationship with the original creditor ever being validated, and no full debt validation or itemized statement was ever provided to me as required under15 U.S.C. 1692gof the Fair Debt Collection Practices Act ( FDCPA ). I did not authorize this debt, and I never granted permission for Portfolio Recovery to pull or report my information. This dispute is not duplicative changes in the way this account is now being reported after my last dispute ( including status and location in my credit file ) justify this new submission. This is reflected in Equifax Credit Report Confirmation # XXXX, dated XX/XX/year>. I am also filing a formal complaint with the Federal Trade Commission ( FTC ) for misrepresentation of account type and unauthorized furnishing of data. I demand that this account beimmediately deleted in full from my XXXX  credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am writing to formally request the IMMEDIATE deletion and permanent blocking of fraudulent accounts and information currently appearing on my credit reports pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

The account in question was reported without my authorization and are the result of identity theft. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block such information from a consumers file upon receiving : Proof of identity A copy of an identity theft report Identification of the fraudulent information A statement from the consumer requesting the block I have previously provided the credit reporting agencies with the required documentation, including my identity theft report and a formal request for removal of the fraudulent items. Despite this, the inaccurate and unauthorized accounts remain on my credit file, causing me continued harm.

I am now requesting CFPBs assistance to ensure that the credit reporting agencies involved are held accountable to their obligations under the FCRA and to compel the immediate deletion of the fraudulent information. 

The following accounts should be deleted immediately : XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX- Account No. XXXX Enclosed are copies of my identity theft report and proof of identity for your reference. 

Please investigate this matter promptly and confirm in writing once these accounts have been permanently removed as required by federal law. I appreciate your attention to this urgent matter and look forward to your swift response.

Company response to consumer: Closed with non-monetary relief