vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-06 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: North State Acceptance, LLC
State: SC

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Vehicle Loan Reporting After Repossession and Late date of activity Dear CFPB, I am writing to formally dispute inaccurate reporting on my credit report regarding the vehicle loan with North State Acceptance, account numbeXXXX XXXX XXXXXXXX. 

The vehicle referenced in this loan was repossessed and sold on [ Date of Sale ]. After reviewing my credit report, I noticed that the reporting reflects the loan as unpaid, active, or incorrectly dated, which is inaccurate and inconsistent with the actual transaction. 

According to federal law under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, complete, and up-to-date. The current reporting of this account does not reflect the loans proper status and is causing harm to my credit. 

I request that the CFPB investigate this matter and ensure the lender updates my account to correctly reflect : The loan was repossessed. 

The vehicle was last date of activity on XX/XX/year>. 

The account balance after sale is correctly reported ( if any deficiency exists, it should be clearly documented ). 

Any incorrect loan date or status entries be removed or corrected. 

Enclosed are copies of relevant documents : Vehicle repossession and sale notice XXXX statements Credit report excerpts showing the inaccuracy Please confirm receipt of this letter and notify me of any updates regarding this dispute. I appreciate your prompt attention to correcting this error. 

Sincerely, [ Your Name ] [ Signature if mailing ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
This is a follow-up to a dispute filed under FCRA 611 ( 15 U.S.C. 1681i ) concerning multiple inaccuracies and inconsistencies on my credit file that remain unresolved. XXXX XXXX XXXX XXXX  ( Acct. ending XXXX ) is incorrectly reported as having a 30-day late payment for XX/XX/2025, which is inaccurate and unverifiable. I have no record or documentation supporting this delinquency. Additionally, the XXXX XXXX ( Acct. ending XXXX ) account is reported as late and closed with a {$0.00} balance, which is contradictoryonce an account is fully paid and closed with a XXXX balance, it should not reflect any late payment history. Furthermore, XXXX XXXX XXXX  ( Acct. ending XXXX ) is listed as a charge-off with a {$53000.00} balance, yet the creditor has not provided any verifiable documentation confirming this status or the outstanding amount. These inaccuracies continue to appear on my credit report despite my prior disputes and constitute a violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to maintain only complete and accurate information, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 filing this complaint because Experian is reporting inaccurate and unverified late payments for two accounts on my credit report : XXXX  XXXX XXXX ( Account No. XXXX ) Experian is incorrectly reporting late payments for XX/XX/XXXX and XX/XX/XXXX, even though both payments were made on time. 

XXXX XXXX ( Account No. XXXX ) Experian is incorrectly reporting a late payment for XX/XX/XXXX, which was also made on time.

I submitted a formal dispute to Experian, including proof of timely payments and a copy of my credit report highlighting the inaccurate entries. Despite this, Experian has failed to correct or delete the false late payments. These errors have caused significant harm, including higher interest rates, declined credit opportunities, and an unfair reflection of my financial responsibility.

Experians actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Duty to ensure maximum possible accuracy of reported information 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure of the furnisher to promptly correct or delete inaccurate information 623 ( a ) ( 7 ) : Failure to provide prior written notice before reporting negative information Additionally, under Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), a reinvestigation that merely relies on automated confirmation from the furnisher does not meet the FCRAs standard for a reasonable reinvestigation.

Even after providing verifiable documentation, Experian continues to report false information for both accounts, constituting a willful and negligent violation of the FCRA.

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 2025-11-06 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I mailed certified dispute packages to the three major credit bureaus ( Equifax, Experian, and TransUnion ). Each package included a detailed list of inaccurate accounts, unauthorized inquiries, and incorrect personal information, along with copies of my photo ID and proof of address. 

Despite providing complete documentation, the bureaus later informed the CFPB that they had verified the disputed items. However, I never received any written documentation, verification results, or method of verification from any bureau showing how or by whom this information was verified. 

On XX/XX/year>, I sent additional certified letters requesting a full reinvestigation and a method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ). I have not received any acknowledgment or proof of verification in response to these follow-up letters.

I am requesting that the CFPB direct the credit bureaus to : Provide copies of all documentation or verification used to verify the disputed information. 

Remove any accounts, inquiries, or personal information that can not be fully verified. 

Provide written confirmation of their findings to my current mailing address. 

This is a follow-up to CFPB Case # XXXX, which was closed despite the bureaus failing to provide the required verification documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, Experian completed multiple disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all marked no change. These accounts are paid and closed but remain reported with negative information, without any proof of verification, in violation of FCRA ( 1681s-2 ( b ), 1681e ( b ), 1681b ( 2 ) ).

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am disputing the continued reporting of an auto loan account furnished by Credit Acceptance Corporation. This account is being reported inaccurately and inconsistently across the credit bureaus despite my prior dispute and CFPB complaint. 

XXXX  : Reports the account as open, with the last payment on XX/XX/year>. 

XXXX  : Reports the account as closed, with the last payment on XX/XX/year>. 

XXXX  : Reports the account as closed, matching XXXX, but both still contain inaccurate and outdated data. 

These conflicting and inconsistent statuses show that Credit Acceptance Corporation has failed to accurately update, verify, or maintain this account, violating the Fair Credit Rep

orting Act ( 15 U.S.C. 1681s-2 ( a ) ( 2 ), 1681i ( a ) ). Under FCRA 611 ( a ) ( 5 ) ( A ), if information can not be verified, it must be deleted from all consumer reports. Si
nce Credit Acceptance has already been notified through previous disputes and has failed to provide consistent or verifiable updates within the required 30-day period, this tradeline is now unverifiable and must be permanently deleted from all three credit bureaus. 

Requested Action : Require Credit Acceptance Corporation to delete this account completely from XXXX XXXX XXXX XXXX. 

Confirm deletion in writing to me and to each reporting agency

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 2025-11-06 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: DISCOVER BANK
State: MI

Complaint narrative:
I have disputed this debt as fraudulent, and no action has been taken and no response has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I mailed certified dispute packages to the three major credit bureaus ( Equifax, Experian, and TransUnion ). Each package included a detailed list of inaccurate accounts, unauthorized inquiries, and incorrect personal information, along with copies of my photo ID and proof of address. 

Despite providing complete documentation, the bureaus later informed the CFPB that they had verified the disputed items. However, I never received any written documentation, verification results, or method of verification from any bureau showing how or by whom this information was verified. 

On XX/XX/year>, I sent additional certified letters requesting a full reinvestigation and a method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ). I have not received any acknowledgment or proof of verification in response to these follow-up letters.

I am requesting that the CFPB direct the credit bureaus to : Provide copies of all documentation or verification used to verify the disputed information. 

Remove any accounts, inquiries, or personal information that can not be fully verified. 

Provide written confirmation of their findings to my current mailing address. 

This is a follow-up to CFPB Case # XXXX, which was closed despite the bureaus failing to provide the required verification documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I mailed certified dispute packages to the three major credit bureaus ( Equifax, Experian, and TransUnion ). Each package included a detailed list of inaccurate accounts, unauthorized inquiries, and incorrect personal information, along with copies of my photo ID and proof of address. 

Despite providing complete documentation, the bureaus later informed the CFPB that they had verified the disputed items. However, I never received any written documentation, verification results, or method of verification from any bureau showing how or by whom this information was verified. 

On XX/XX/year>, I sent additional certified letters requesting a full reinvestigation and a method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ). I have not received any acknowledgment or proof of verification in response to these follow-up letters.

I am requesting that the CFPB direct the credit bureaus to : Provide copies of all documentation or verification used to verify the disputed information. 

Remove any accounts, inquiries, or personal information that can not be fully verified. 

Provide written confirmation of their findings to my current mailing address. 

This is a follow-up to CFPB Case # XXXX, which was closed despite the bureaus failing to provide the required verification documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> the lender/servicer advised via e-mail that they refuse to change the XXXX reporting from un-secured to secured eventhough they have a recorded UCC-1 filing . I responded advising they need to either change the the XXXX reporting status or release the UCC-1. I never heard back from the company afterwards.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-11-06 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have information on my consumer report with the bank that i have no clue about a fake check that someone drop in my account and it was closed and i had no clue

Company response to consumer: Closed with explanation