vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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:
I am filing this complaint against XXXX XXXX ( XXXX ) for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by furnishing inaccurate and inconsistent information about my XXXX XXXX XXXX  account ( # XXXX ) to the major credit bureaus. This account was opened on XX/XX/XXXX, and closed by XXXX ( the credit grantor ) shortly after, despite my exceptional payment history and no late payments. The reporting is grossly inaccurate across bureaus, which is suppressing my credit scores and causing financial harm, including potential denials of credit. 

Specific issues and violations : Inconsistent Balance Reporting : On my Equifax and TransUnion reports ( dated XX/XX/XXXX ), the account shows a balance of {$6100.00} on a {$6000.00} credit limit ( over-limit by {$160.00}, with 100 % + utilization ). On my Experian report ( same date ), it shows only {$95.00}. This discrepancy is impossible and unverifiable, as my last payment was on XX/XX/XXXX or XXXX, XXXX ( varies by bureau ), and the account was closed with " pays as agreed '' status. This violates FCRA 1681s-2 ( a ) ( 1 ) ( duty of furnishers to provide accurate information ) and 1681e ( b ) ( bureaus ' duty to ensure accuracy ).

Improper Closure and Over-Limit Reporting : The account is reported as " closed by credit grantor '' without justification or prior notice, despite perfect payments. Reporting an over-limit balance on a closed account inflates my debt-to-credit ratio ( overall utilization at 56 % on Equifax/TransUnion vs. 14 % on Experian ), harming my FICO scores ( XXXX Equifax, XXXX TransUnion, XXXX Experian ). This appears to be a systemic error, similar to other CFPB complaints against XXXX ( e.g., Complaint ID # XXXX for unauthorized closures and inaccurate balances, and the XXXX CFPB Consent Order against XXXX  for deceptive credit reporting practices ). 

Failure to Verify : I have disputed this directly with XXXX and the bureaus, but the errors persist. XXXX has not provided verifiable proof of the balance or closure, violating FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ).

Harm Caused : This inaccurate reporting has lowered my credit scores by at least XXXX points on some bureaus, preventing me from obtaining favorable credit terms. I am demanding statutory damages under FCRA 1681n ( up to {$1000.00} per willful violation ) if not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I am filing this complaint against XXXX XXXX ( XXXX ) for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by furnishing inaccurate and inconsistent information about my XXXX XXXX XXXX  account ( # XXXX ) to the major credit bureaus. This account was opened on XX/XX/XXXX, and closed by XXXX ( the credit grantor ) shortly after, despite my exceptional payment history and no late payments. The reporting is grossly inaccurate across bureaus, which is suppressing my credit scores and causing financial harm, including potential denials of credit. 

Specific issues and violations : Inconsistent Balance Reporting : On my Equifax and TransUnion reports ( dated XX/XX/XXXX ), the account shows a balance of {$6100.00} on a {$6000.00} credit limit ( over-limit by {$160.00}, with 100 % + utilization ). On my Experian report ( same date ), it shows only {$95.00}. This discrepancy is impossible and unverifiable, as my last payment was on XX/XX/XXXX or XXXX, XXXX ( varies by bureau ), and the account was closed with " pays as agreed '' status. This violates FCRA 1681s-2 ( a ) ( 1 ) ( duty of furnishers to provide accurate information ) and 1681e ( b ) ( bureaus ' duty to ensure accuracy ).

Improper Closure and Over-Limit Reporting : The account is reported as " closed by credit grantor '' without justification or prior notice, despite perfect payments. Reporting an over-limit balance on a closed account inflates my debt-to-credit ratio ( overall utilization at 56 % on Equifax/TransUnion vs. 14 % on Experian ), harming my FICO scores ( XXXX Equifax, XXXX TransUnion, XXXX Experian ). This appears to be a systemic error, similar to other CFPB complaints against XXXX ( e.g., Complaint ID # XXXX for unauthorized closures and inaccurate balances, and the XXXX CFPB Consent Order against XXXX  for deceptive credit reporting practices ). 

Failure to Verify : I have disputed this directly with XXXX and the bureaus, but the errors persist. XXXX has not provided verifiable proof of the balance or closure, violating FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ).

Harm Caused : This inaccurate reporting has lowered my credit scores by at least XXXX points on some bureaus, preventing me from obtaining favorable credit terms. I am demanding statutory damages under FCRA 1681n ( up to {$1000.00} per willful violation ) if not corrected.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ).

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 2025-07-18 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: IL

Complaint narrative:
I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$69.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$480.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I am filing this complaint because Credit Acceptance is refusing to remove a XXXX late payment from my credit reporteven though the account has been paid and settled in full. 

This late mark is seriously holding me back. I was in a car accident and had to settle the debt under difficult circumstances. Since then, Ive been trying to rebuild my life and get reliable transportation, but this derogatory mark is destroying my ability to qualify for a new auto loan. Lenders see the XXXX late and deny meeven though the account is resolved. 

Ive asked Credit Acceptance multiple times for a goodwill removal or at least a reassessment of how the late payment is reported. Im not disputing that I fell behindIm asking for compassion and fairness now that the debt is cleared. Their refusal to work with me or even investigate my request is not only frustratingits devastating to my daily life and my ability to move forward. 

Ive made every effort to resolve this directly, but Im out of options. I need the CFPBs help to get them to consider the impact this is having and to take action that reflects my current standingnot punish me forever for something Ive already resolved.

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 2025-07-18 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:
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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
On XXXX XXXX I submitted a dispute claim against wgpainted resort for unauthorized charges totaling {$890.00}. On XX/XX/year>. I received an email stating that the claim was denied and closed with no explanation as to why but a reasoning that states that there is no error. On XX/XX/year>. I contacted XXXX painted resorts to try and get this resolved through them and can I get a hold of no one that could help me. Now all I want is for my money had to be returned back immediately. Ive even filed a police report with XXXX XXXX. The report number is XXXX. On XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
XXXX XXXX, SSN : XXXX, DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-18 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: Self Financial Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding an inaccurate and incomplete charge-off entry on my TransUnion credit report from XXXX, listed as of XX/XX/XXXX. 

The account reports a charged off as bad debt status with a remaining balance of {$110.00} and 88 % credit usage. However, the last payment was made in XX/XX/XXXX, yet the charge-off is dated XX/XX/XXXX this discrepancy raises questions about the accuracy of the reporting. 

Additionally, there is no payment history profile, no proof of balance validity, and no indication of whether the account has been sold or remains with the original creditor. 

Under XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), this constitutes inaccurate and unverifiable reporting. Specifically : A charged-off closed revolving account must include a full Payment History Profile ( FHP ).

The reporting of 88 % credit usage on a closed tradeline is misleading. 
The balance should be XXXX if the account has been sold, transferred, or written off. 
The timeline between last payment and charge-off appears inconsistent and unverifiable. 

Due to these violations, I am requesting the immediate correction or deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I reported these accounts as fraudulent, submitting a police report and an FTC report. These accounts were removed and blocked by the bureaus in XX/XX/XXXX because they could not validate the debt and did not send proof, as requested, of the original instrument of indebtedness to include my signature. These accounts have recently been added back to my credit report as of XX/XX/XXXX, with all new account numbers, name changes from the original name that was on these accounts back in XXXX, which were the fraudulent name. The amounts in XXXX were around {$46000.00}, and now in XXXX, these accounts are reporting {$82000.00}. I have reached out to these creditors on several occasions, and they have failed to comply with my disputes of fraud and my requests for an Identity Theft Affidavit. One of the reporting companies is no longer in business, and I am getting the run-around from everyone I speak with at other companies, including the bureaus, who now have me filing a new police report and FTC forms, although I have my original complaints and police report from XXXX. The companies involved are as follows : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I tried for XXXX  days in a row to have the limit temporarily increased on my XXXX  card. Ally 's system was not able to send me a code to my cell phone. I was told it would take XXXX business days for someone to reach out to me. I asked for a supervisor and after an extended hold they did not even have access to my account. My money is being held XXXX. I need the funds TODAY to pay a bill. If the bill is not paid there are penalties. The company needs a cashiers check or money order. To get a cashiers check from Ally takes XXXX days. I need to access the funds to go purchase a cashiers check or money order from a local merchant. Ally refused to email me the code. This is unacceptable that I am unable to access MY money when I need it. I will be closing my account as soon as possible. Financial institutions should not be allowed to deny you access to your funds. I have had this account for years, hold a high balance, have had the same email and phone number on file since account was opened. 
I do not recommend anyone do business with an online bank if you want to be able to access your funds when you need them!

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 2025-07-18 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: MD

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, CHALLENGEDORNOT.

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 2025-07-18 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation