vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; 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. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a high-interest auto loan agreement with American Credit Acceptance ( ACA ) for {$38000.00} at an APR of 28 % with monthly payments of {$1100.00} over 72 months. Despite paying over {$14000.00} in the first 12 months, the principal balance barely moved, suggesting misleading amortization. 

On XX/XX/XXXX, I sent ACA a formal Intent to Sue citing unconscionable contract terms and demanding a response. I received no reply. On XX/XX/XXXX, ACA repossessed and resold the vehicle under a silent settlement without informing me of any balance, process, or accounting. 

On XX/XX/XXXX, I mailed a notarized Conditional Acceptance demanding full accounting, funding source, and original wet-ink contract. ACA received the correspondence ( signed USPS green card ), yet failed to reply. I followed with a notarized affidavit of non-response and administrative default. 

Despite this, ACA continued reporting derogatory tradelines to XXXX and XXXX, showing late payments even after the alleged settlement, violating FCRA 15 USC 1681s-2 ( b ). Their false reporting caused emotional distress, credit denials, and damage to my credit profile, confirmed by XXXX Score analysis. I have filed a civil case in California seeking {$96000.00} in damages. 

This company has failed to respond lawfully to my dispute, refused to validate the debt, and has caused me ongoing harm. I request immediate investigation, permanent deletion of all negative tradelines, and enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P&B Capital Group, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I went to a local pet shop to purchase a dog or at least that what I thought. Anyway, the pet shop owner assisted with the online contract that was from a lender called XXXX XXXX, who before my first payment was due transferred it to XXXX XXXX XXXX. The puppy I purchased from XXXX  XXXX XXXX was {$3500.00}. XXXX XXXX charged me {$8100.00} for the dog which I found out later on a TILA agreement that this was a lease and not a loan when On XX/XX/XXXX XXXX XXXX XXXX set me a copy of the loan or lease agreement via email, because I didn't receive a paper copy and one was not provided to me by email or text. Anyhow, I got behind on the direct payments and my account went into collections. In the meantime I tried contacting government agencies to find out my rights and options concerning this contract with the new information I gathered regarding my loan with an unlicensed pet shop who sold and assisted in getting me in a predatory contract in Illinois. I wanted to know how this would have pertain to my situation to no avail. Now it's almost been 5 years and I have P & B Capital Group reporting {$6600.00} as a high balance and as a balance due and states that XXXX XXXX XXXX as the Orginal Creditor. When I contacted P & B Capital Group I spoke with a XXXX XXXX who told me that when I decide to take responsibility for my account is when I can give him a call back concerning my account and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
DRIVER LICENSE, SOCIAL SECURITY CARD AND A RECENT BILL IS ATTACHED TO THIS REPORT : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( NOT MY ADDRESS XXXX  ) XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received notification from The Home Depot Consumer Credit Card application regarding the status of a credit card application submitted in my name that I DID NOT APPLY for. The status report notice indicated that since I prefer to receive notifications via email, the report needed an application password, date of birth and zip code. This transaction was send to my wifes email with my Name and a reference number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX in regard to a disputed account that was previously removed from my credit report. Despite its removal, the outstanding balance is still being reported or pursued, which is inaccurate and unfair. 

Additionally, XXXX XXXX XXXX has indicated fraud allegations related to this account, which I strongly dispute. I have attempted to resolve this directly, but they have failed to remove the balance or correct the record regarding the fraud claim.I am requesting that the remaining balance be permanently removed, and that any allegations or notations of fraud be fully cleared from my records. These issues are negatively affecting my credit and financial standing, despite there being no legitimate or proven basis for the debt or the fraud claim. 

I respectfully ask for the CFPBs assistance in resolving this matter and ensuring that XXXX XXXX XXXX updates its records to reflect that I do not owe any balance, and that there are no fraud issues associated with my name or account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX in regard to a disputed account that was previously removed from my credit report. Despite its removal, the outstanding balance is still being reported or pursued, which is inaccurate and unfair. 

Additionally, XXXX XXXX XXXX has indicated fraud allegations related to this account, which I strongly dispute. I have attempted to resolve this directly, but they have failed to remove the balance or correct the record regarding the fraud claim.I am requesting that the remaining balance be permanently removed, and that any allegations or notations of fraud be fully cleared from my records. These issues are negatively affecting my credit and financial standing, despite there being no legitimate or proven basis for the debt or the fraud claim. 

I respectfully ask for the CFPBs assistance in resolving this matter and ensuring that XXXX XXXX XXXX updates its records to reflect that I do not owe any balance, and that there are no fraud issues associated with my name or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
I am experiencing difficulty obtaining confirmation of my Successor in Interest ( SII ) status from XXXX XXXX, despite submitting the required documentation months ago. Foreclosure proceedings have now been initiated, even though my legal right to occupy the home has not changed. I am seeking CFPB assistance to ensure fair treatment and resolution. 

Key Dates and Actions : The home was originally purchased in XXXX  in both my and my ex-spouses names. 

It was later refinanced in XXXX in my ex-spouses name only, although I remain on the title to the property. 

On XX/XX/XXXX, I was awarded legal occupancy of the home through a court-ordered separation judgment. 

On XX/XX/XXXX, I submitted a formal request with all required documentation to RoundPoint Mortgage to be recognized as a Successor in Interest ( SII ). 

Despite multiple follow-ups, I have not received any formal response or confirmation regarding my status. 

On XX/XX/XXXX, I was served with foreclosure documents via the XXXX XXXX XXXX XXXX. 

The mortgage balance is approximately {$120000.00}. 

Additional Context : My ex-spouse, who is the sole borrower on the loan after the XXXX  refinance, has effectively abandoned the mortgageceasing all communication with both myself and the mortgage company. He has also failed to comply with court-ordered proceedings related to the division of property. I am currently awaiting the final filing of our divorce and am unrepresented due to my attorney no longer responding. 

I have made every good-faith effort to maintain occupancy, resolve the mortgage issue, and communicate with the servicer, yet I am being excluded from resolution and am now facing foreclosure. 

Requested Resolution : I respectfully request that the CFPB : Ensure RoundPoint Mortgage properly reviews and responds to my Successor in Interest request ; Pause foreclosure proceedings until my legal status is clarified and proper servicing steps are followed ; Confirm that my rights as a titled owner and court-appointed occupant are protected. 

Thank you for your assistance and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been in communications with Equifax about inaccurate personal information on my credit report and an inaccurate and unverfiable item. Even after notifying them many times about this error, they still continue to report this incorrect personal information and item on my file. Not only is it unfair, it's also illegal.

By law 15 U.S. Code 1681 ( b ), it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Equifax many times, I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c-2 Inaccurate Name : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverifiable and inaccurate account : XXXX XXXX XXXX XXXX  Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX in regard to a disputed account that was previously removed from my credit report. Despite its removal, the outstanding balance is still being reported or pursued, which is inaccurate and unfair. 

Additionally, XXXX XXXX XXXX has indicated fraud allegations related to this account, which I strongly dispute. I have attempted to resolve this directly, but they have failed to remove the balance or correct the record regarding the fraud claim.I am requesting that the remaining balance be permanently removed, and that any allegations or notations of fraud be fully cleared from my records. These issues are negatively affecting my credit and financial standing, despite there being no legitimate or proven basis for the debt or the fraud claim. 

I respectfully ask for the CFPBs assistance in resolving this matter and ensuring that XXXX XXXX XXXX updates its records to reflect that I do not owe any balance, and that there are no fraud issues associated with my name or account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
RE : Complaint Against Experian for Failure to Remove Inaccurate Credit Entry To Whom It May Concern, I am filing a formal complaint against Experian for refusing to delete inaccurate information from my credit file, despite documented proof from the furnisher ( XXXX ) that the account is not mine and has been deleted from their system. 

The account in question is : Creditor Name : XXXX Account Number : XXXX Reported Balance : {$1200.00} This account does not belong to me. I submitted a dispute to Experian requesting deletion of this erroneous entry. On XX/XX/year>, I received written confirmation from XXXX XXXX of XXXX stating the following : Thank you for your email. The above referenced account has been closed. Today we have notified the Credit Reporting agencies to delete this from your Credit Report. 

I provided a screenshot of this email as part of my dispute submission to Experian. Despite this evidence and XXXX notification of deletion, Experian continues to report this account, causing harm to my credit profile. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation and remove information that can not be verified. By continuing to report inaccurate and disputed information even after the data furnisher requested removal Experian is in violation of both FCRA Section 611 and Section 623. 

I am requesting the following relief : 1. Immediate deletion of this account from my Experian credit report.

2. A formal investigation into Experians handling of this dispute.

3. Compensation for any harm or distress caused by Experians non-compliance.

4. Application of any applicable penalties or fines against Experian for failing to uphold FCRA standards. 

Please find attached the supporting documentation, including : A copy of the XXXX email confirming deletion My prior dispute correspondence with Experian Thank you for your assistance in ensuring my consumer rights are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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