vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On Thursday, XX/XX/year> I spoke with Equifax regarding several unauthorized inquiries on my credit report, along with XXXX accounts held by both themselves and either XXXX XXXX XXXX The accounts in question were not related to me and addition to that the accounts were reporting inaccurate information across the 3 Bureaus.

I asked the 3 different agents I spoke with if they could verify the legitimacy of the accounts/inquiries to which none of them could answer. I explained to them that failure to remove such inquiries and accounts from my credit report has resulted in loss of earnings and the progression of business. I mentioned that it was a direct violation of the Fair Credit Reporting Act and that they must be removed. I was told ( verbatim ) that I would need to file an FTC report and after doing so I would see this issue resolved within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurate, misleading, and incomplete information being reported on my credit file concerning the following account : Credit Acceptance Account Status : Open Payment Status : XXXX Days Late Last Payment Reported : XX/XX/year> Reporting Bureau ( s ) : XXXX XXXX XXXX XXXX XXXX Summary of Inaccuracies , Misleading Reporting, and Integrity Violations I have identified significant inconsistencies, inaccuracies, and reporting failures that not only violate my rights but undermine the integrity of the credit reporting system itself : Contradictory Account Status This account is reported as Open and XXXX Days Late, yet when I contacted the creditor on multiple occasions to resolve this matter and make payments, I was informed that the account had been transferred to a third party and that legal action has been initiated against me. 

Despite these facts, the account continues to be reported as active and delinquent, which is incomplete, misleading, and violates my right to accurate reporting. 

Inability to Resolve the Account I made multiple good-faith attempts to make payments on this account but was explicitly told by the creditor that they could not accept payment due to the account being transferred and legal action pending. It is both unethical and inaccurate to penalize my credit report while simultaneously denying me the opportunity to resolve the debt. 

Payment Timeline Discrepancies A payment is documented as being made on XX/XX/year>, yet the account remains reported as XXXX Days Late, reflecting inaccurate delinquency and further supporting my position that this reporting can not be trusted. 

Violation of Reporting Integrity The continued reporting of this account as open and delinquent while omitting the fact that it has been transferred, is the subject of legal action, and can not be resolved directly with the original creditor, undermines the integrity of the credit reporting system as a whole. The system depends on complete, accurate, and transparent information this account fails to meet those basic standards. 

Applicable Laws Supporting Immediate Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Data furnishers must report accurate, complete, and updated information.

1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy.

1681i ( a ) : If information can not be verified as accurate and complete, it must be deleted.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

If the account has been transferred to a third party, accurate reporting of that status is required. Misrepresentation or concealment of that fact violates 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 2025-07-08 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: WA

Complaint narrative:
I am disputing the accuracy of the following addresses listed on my credit report, which do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect, and I have no affiliation with them. I kindly request that these addresses be removed from my credit report as they are inaccurate and do not reflect my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I am writing to notify you of an account that has been incorrectly reported on my credit report and does not belong to me. This account was reported without my consent, which is violation of my rights as a consumer under federal credit laws. 

Account Information collection Agency : XXXX XXXX Account Number : XXXX balance {$330.00} Date Reported : XX/XX/2025

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 2025-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Dispute of Unauthorized Account Account Opened XX/XX/XXXX ( Revolving Credit Card ) To Whom It May Concern : I am writing to formally dispute the account in your system opened on XX/XX/XXXX ( credit card, individual responsibility, last updated XX/XX/XXXX ). This account is not mine, I never applied for it, and I have no knowledge or authorization of it. 

Based on the Fair Credit Billing Act, I request the following actions : Immediately close and tag this account as fraudulent. 

Cease all collection and reporting activities, including to credit bureaus. 

Remove any negative reporting and refrain from reporting late payments ( last payment posted XX/XX/XXXX, currently 120 days past due ). 

Confirm in writing that I bear no responsibility for this account and that it's been resolved accordingly. 

Please begin your investigation and respond within the time frames mandated by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
i sent a complaint to lvnv funding, llc on XXXX XXXX about this alleged debt that i dont owe and is a result of a aggrevated identity theft and security fraud for alleged account. i have attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have 2 inquiries that I didnt approve. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have 2 inquiries that I didnt approve. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I have 2 inquiries that I didnt approve. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Unauthorized Hard Credit Inquiries To Whom It May Concern : I am submitting this formal complaint regarding several unauthorized hard credit inquiries appearing on my credit report. I did not authorize any of the following inquiries and suspect they may be fraudulent : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX I reviewed my credit reports and found that none of these were initiated by me. Under the Fair Credit Reporting Act ( FCRA 1681b ), each creditor must have a lawful purpose and my explicit authorization to access my credit file. I have not applied for credit with any of these companies, and I did not provide consent for these inquiries. 

I have taken the following steps to resolve this : Contacted each creditor, requesting proof of authorization and asking them to retract the inquiry. 

Filed disputes with XXXX, XXXX, and XXXX, including copies of my report with the disputed inquiries circled and a copy of my FTC Identity Theft Affidavit. 

To date, none of the inquiries have been removed or validated. 

I am requesting that the CFPB investigate and compel : A thorough review of these inquiries to verify whether they were legally authorized ; Immediate removal of any inquiries the creditors can not validate ; Updated credit reports reflecting the removal ; Documentation of the investigation findings and creditor responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unauthorized Hard Credit Inquiries To Whom It May Concern : I am submitting this formal complaint regarding several unauthorized hard credit inquiries appearing on my credit report. I did not authorize any of the following inquiries and suspect they may be fraudulent : CAPITAL ONE BANK USA NA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I reviewed my credit reports and found that none of these were initiated by me. Under the Fair Credit Reporting Act ( FCRA 1681b ), each creditor must have a lawful purpose and my explicit authorization to access my credit file. I have not applied for credit with any of these companies, and I did not provide consent for these inquiries. 

I have taken the following steps to resolve this : Contacted each creditor, requesting proof of authorization and asking them to retract the inquiry. 

Filed disputes with XXXX, XXXX, and XXXX, including copies of my report with the disputed inquiries circled and a copy of my FTC Identity Theft Affidavit. 

To date, none of the inquiries have been removed or validated. 

I am requesting that the CFPB investigate and compel : A thorough review of these inquiries to verify whether they were legally authorized ; Immediate removal of any inquiries the creditors can not validate ; Updated credit reports reflecting the removal ; Documentation of the investigation findings and creditor responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00}

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 2025-07-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-07-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against BMO, a national banking institution, for the unauthorized closure of my business checking account ( Account Number : [ XXXX ] ) registered under the name ( XXXX ), and the subsequent withholding of funds without due cause or notice. 

On or around XX/XX/year>, I discovered that the account had been closed by the bank without any prior notification, consent, or clear explanation. This action was taken unilaterally and without adherence to basic standards of transparency, customer service, or federal consumer protection guidelines. 

Even more troubling, the bank continues to withhold funds that were present in the account at the time of closure. These funds are critical to my business operations, and their inaccessibility has caused significant and measurable harm to my company. As a direct result of the banks actions, we have experienced : Inability to fulfill financial obligations, leading to lost business and client relationships ; Accrued interest and penalties on business and personal debts ; Legal expenses in pursuit of resolution ; A major disruption to day-to-day operations and damage to our credibility. 
Despite multiple attempts to communicate with the bank and seek an explanation or resolution, I have received no satisfactory response. To date, the bank has failed to provide a clear justification for the account closure or return the funds in question. 

Therefore, I respectfully request that the CFPB : Investigate the banks actions and determine whether federal banking laws and regulations have been violated ; Compel the bank to provide a full written explanation for the account closure ; Ensure the immediate release of all withheld funds to my business ; Recommend restitution for the financial harm caused, including legal fees, interest penalties, and lost income ; Review and enforce appropriate regulatory practices concerning the handling of small business accounts. 

I have attached all relevant documentation to support this complaint, including account statements, emails with the bank, and evidence of damages incurred. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to hold BMO accountable and ensure that small business owners are treated with the fairness and respect required under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
XXXX is pursuing a debt linked to identity theft, targeting my profile and firmly denying any responsibility for the charges. Despite repeated requests to TransUnion, the company has failed to provide any credible proof of the debts existence, as well as the proper investigation documentation and paper trails used. This situation not only undermines the legitimacy of the claims but also emphasizes the profound impact of my identity theft report on innocent victims like me. The lack of verifiable evidence should raise serious concerns about the validity of the collection efforts and the debtor 's rights.

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 2025-07-08 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:
This account is reporting a {$0.00} balance yet shows that Im currently late, which is inaccurate. A closed/paid account can not be marked late. Please update this account to reflect a correct status : Paid, Closed or remove the late designation entirely.

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