vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This complaint is regarding inaccurate and inconsistent reporting on my Credit Acceptance auto loan. The account was paid in full and closed on XX/XX/XXXX, but XXXX  and XXXX  continue to report 120-day late payments that are factually incorrect. XXXX  shows NO late payments on this exact same account, which proves the negative data being furnished to the other credit bureaus is inaccurate.

Here are the issues : 1. XXXX  reports this account with zero late payments, showing the correct information.

2. XXXX  and XXXX  report different and conflicting 120-day late dates, none of which match each other or my actual payment history.

3. XXXX  is reporting a Date Reported of XX/XX/XXXX, which is impossible because the account was closed and paid in XX/XX/XXXX. 
4. The open date, closed date, date of last activity, and payment history differ between all three bureaus, violating FCRA 607 ( b ) ( maximum possible accuracy ).

5. Because the account is closed, paid, and satisfied, late payments after the closure date are impossible, yet they continue to appear.

6. These inaccurate derogatory marks are causing serious harm to my credit standing.

I am requesting the following resolution : Remove all inaccurate late payment notations ( including the 120-day lates ).

Correct the account status to Paid/Closed Never Late.

Require Credit Acceptance, XXXX, and XXXX  to furnish consistent and accurate data across all bureaus.

Provide written confirmation once the corrections have been made.

I have attached screenshots of : XXXX  showing no late payments XXXX  showing 120-day lates with conflicting dates XXXX  showing 120-day lates and an impossible reporting date The account summary showing the loan was paid in full and closed on XX/XX/XXXX. 

This inaccurate reporting violates the FCRA and is materially damaging my creditworthiness. I am requesting a reinvestigation and correction from the furnisher and the credit bureaus.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I apply for job online and they sent me check I go to bank deposit check and i ask bank assistance is that good to deposit they check and they say ok i can deposit check when i deposit they closed my bank account and put my banking history very bad i don't no why they scam with people

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 2025-11-18 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: CA

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 INQUIRIES : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
b'I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.\n\nFRAUDULENT ACCOUNTS:\n\n XXXX XXXX XXXX -- Balance: XXXX  - Date Opened: XXXX\n\n XXXX XXXX XXXX -- Balance: $0 - Date Opened: XXXX\n\n XXXX XXXX XXXX XXXX XXXX -- Balance: XXXX  - Date Opened: XXXXn\n XXXX XXXX XXXX  #XXXX  -- Balance: XXXX  - Date Opened: XXXXn\n UNKNOWN XXXX  -- Balance: XXXX - Date Opened: XXXX\n\nUNAUTHORIZED INQUIRIES:\n\n XXXX XXXX\n XXXX XXXX XXXX\n AN #XXXX XXXXn XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I just checked my credit report and i noticed that i had some inaccurate information in my credit report along with some fraudulent account. they are affecting my ability to obtain credit so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable re investigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishes are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I saw an account in my credit profile for items I never enrolled into with XXXX. I have had XXXX my entire life. I never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
dentity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization.

The fraudulent account is XXXX XXXX XX/XX/XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ). 
The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of 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 2025-11-18 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiry To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. I did not authorize this inquiry, and I request that it be removed immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

The unauthorized inquiry is as follows : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Because I never applied for credit with XXXX XXXX , nor did I provide any consent for them to access my credit file, this item is inaccurate and should be deleted from my credit report. 

Please conduct an investigation and provide written confirmation once the inquiry has been removed. Enclosed is a copy of my identification ( if you choose to include it when mailing ) to assist with your verification process. 

Thank you for your attention to this matter. I expect a response within the XXXX period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I completed a lease at XXXX XXXX XXXX XXXX, XXXX, IL XXXX with XXXX XXXX XXXX. Despite paying rent on time throughout the lease term ( XXXX XXXX XXXX ), the landlord withheld our security deposit and charged approximately {$1600.00} for damages that either did not exist or were not our responsibility. 
In XX/XX/XXXX, I disputed these charges directly with XXXX XXXX XXXX via email, providing detailed explanations for each disputed item. They never responded and instead sold the debt to Midstate Collections without resolving the dispute.

The charges include provably fraudulent items such as carpet cleaning for a house that had zero carpets, and fees for missing beds that XXXX XXXX XXXX themselves removed from the unit at our request at the beginning of the lease, just to name a few of the items I disputed. 
In XXXX, after moving to Texas, I attempted to dispute the debt with Midstate Collections. The account was then transferred to XXXX XXXX XXXX ( a debt collector in XXXX XXXX XXXX, UT ), apparently because I no longer reside in Illinois. 
In XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX XXXX pursuant to the FDCPA, requesting validation of the debt and explaining why each charge was inaccurate. On XX/XX/XXXX, XXXX XXXX XXXX rejected my dispute ( Reference Number : XXXX ), claiming I failed to provide supporting documents. However, they provided no evidence themselves - no photos, no receipts, nothing to substantiate any of the alleged damages. 
The debt collector is requiring me to prove charges are false, rather than providing evidence the charges are valid. This violates the FDCPA 's requirement that collectors validate debts upon dispute. Their failure to provide any documentation while reporting this to credit bureaus has severely damaged my credit and is preventing me from securing housing in Texas. 
XXXX XXXX XXXX violated Illinois Security Deposit Return Act requirements by failing to provide itemized statements with supporting documentation. The debt has now been passed between multiple collection agencies, and none have provided validation of these fraudulent charges. 
I am requesting the CFPB investigate both XXXX, XXXXXXXX XXXX debt collection practices and this fraudulent debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

The balance being reported is inconsistent and does not match the original terms.

Important documents I requested have never been provided.

This negative mark is now preventing me from securing reliable transportation, housing, and basic financial stability. I am doing everything I can to rebuild after a very difficult period, and this inaccurate reporting is causing extreme emotional and financial strain.

I am requesting that the CFPB investigate this matter, require the company to verify all information under the FCRA, and remove or correct the account if they can not provide full, accurate, and complete validation.

Thank you for your help in resolving this situation. I am simply trying to recover after a very challenging time, and this account is reporting in a way that is unfair, inaccurate, and harmful.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I experienced unauthorized transfers from my Bank of America account. I did not authorize or initiate these transactions. When I discovered the fraud, I immediately reported it to the bank and submitted all documentation required, including the FTC identity theft report, police report, FBI IC3 report, and evidence from XXXX XXXX indicating identity theft. 

However, Bank of America denied my fraud claim twice ( Case # XXXX and Case # XXXX ) without properly reviewing the evidence. The bank did not follow Regulation E requirements and did not conduct a reasonable investigation.

The unauthorized transactions totaled {$4700.00} and occurred on XXXX XXXX. I am requesting CFPB to require the bank to reopen my claim, review all evidence, and reimburse the stolen funds.

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 monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: SC

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Capital One regarding their failure to honor a 30 % cashback promotional offer for XXXX XXXX  purchases. I activated the offer, made eligible purchases, and have still not received the full cashback promiseddespite multiple attempts to resolve the issue over several months. 



Summary of Transactions : Capital One Offer : 30 % cashback XXXX XXXX Eligible Purchases : XX/XX/year> : {$2400.00} XX/XX/year> : {$740.00} Total Spent : {$3200.00} Cashback Owed ( 30 % ) : {$960.00} Cashback Received : XX/XX/year> : {$170.00} XX/XX/year> : {$220.00} Total Paid : {$390.00} Cashback Still Owed : {$560.00} Attempts to Resolve : I have contacted Capital One 810 times by phone since XX/XX/year>. 
Each time, I was told the issue was escalated, but I have never received a resolution.

On a recent call, I was told that the department handling cashback issues does not take phone calls, and that I would receive follow-up I have not.

I was also advised to submit an email request, which I did, only for the email address to issue an auto-reply that said it was not monitored.

I have recordings of these phone calls, including representatives confirming the 30 % cashback offer and promising follow-up that never occurred.

Request : I am requesting that Capital One honor the original promotional terms and issue the remaining {$560.00} in cashback owed. I also request that the CFPB investigate whether Capital One is engaging in misleading or inconsistent practices related to its promotional offers, especially when consumers follow all required steps and are later denied full rewards.

I have uploaded documentation and can also provide recorded phone calls upon request ( the file size is too big for the portal ).

Thank you for your time and attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report. I have found discrepancies and errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and require investigation and correction. Please see the following details for each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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