vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Subject : Follow-Up CFPB Complaint Prior Deletion Demand Ignored, Continued FCRA Violations To Whom It May Concern, This is a follow-up to a previously filed CFPB complaint regarding the inaccurate reporting of an account by [ Credit Acceptance ]. 

After my initial dispute, I submitted a formal written demand requesting deletion of the account, as allowed under the Fair Credit Reporting Act ( FCRA ), due to failure to verify and document the account properly. Rather than responding through the CFPB portal, the company attempted to contact me by email which I do not accept as a resolution or official response. 

To date : The account has not been deleted No proper verification or documentation has been provided The account remains on my credit report without being marked as disputed This constitutes multiple violations of the FCRA, including but not limited to : Violations : 1. FCRA 623 ( a ) ( 3 ) : The company failed to mark the account as in dispute during the investigation process. 
2. FCRA 611 ( a ) ( 1 ) ( A ) : No valid documentation ( such as a signed contract or legal proof of the debt ) was provided to verify the account.

3. FCRA 609 ( a ) ( 1 ) : I requested documentation and verification, which was not provided, violating my right to full disclosure.

4. FCRA 623 ( b ) : The company is continuing to report this unverifiable and disputed information, which is prohibited. 



I am again demanding that this account be deleted immediately from all credit reporting agencies. If the company can not provide full, legal verification, they are required by law to delete the account. 

Please note : I do not consent to phone calls or email correspondence All communication must be submitted through the CFPB portal for recordkeeping and accountability I respectfully request that the CFPB continue investigating this matter and hold the company accountable for noncompliance.

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 2025-07-09 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: AL

Complaint narrative:
My credit report contained false information, so I filed complaints with TransUnion, Equifax, and Experian. After listing the accounts, I informed them of the infractions they were committing against my consumer report. Over 30 days have passed and they still haven't replied. Copies of every letter that was sent are shown here. 

By neglecting to label this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

As the date of the last activity on this account is reporting, 605 ( c ) is running if the period has also been broken. The last day a payment was made should be shown.

The FTC has determined that this company has viola
ted FDCPA 809b by consistently failing to authenticate this collection 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint against I.C. System, a third-party debt collector, for reporting an account to the credit bureaus without proper validation and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I discovered that I.C. System is reporting a negative tradeline on my credit report. I did not receive prior written communication or a debt validation notice as required under FDCPA 809 ( a ) before the debt was furnished to the credit bureaus. In addition, I did not authorize the opening of this tradeline and was not provided with any documentation establishing the debt, the original creditor, or I.C. Systems legal right to collect or report on it. 

I submitted a written request for validation pursuant to 15 U.S.C. 1692g ( b ), asking for : A copy of any signed contract or agreement Full itemization of the debt ( principal, interest, fees ) The name and contact of the original creditor Documentation proving assignment or ownership I.C. System failed to respond with the requested information and continues to report the account, which constitutes inaccurate and incomplete reporting under FCRA 607 ( b ). The account remains in dispute, yet no indication of the dispute is reflected on my credit report another FCRA violation. 

I am respectfully requesting that the CFPB investigate this matter and hold I.C. System accountable for noncompliance with federal laws governing consumer reporting and collection practices.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report : Creditor Name : COMENITYBANK/VICTORIA Account Number : XXXX Reported Status : Charged-Off I believe this account may be reporting inaccurately and possibly in violation of the Fair Credit Reporting Act ( FCRA ). The original creditor has failed to issue a Form 1099-C for the alleged cancellation of debt, which is typically required for charged-off debts deemed uncollectible. 

If the debt was truly charged off and considered canceled, the IRS requires a 1099-C form to be sent to the debtor for tax purposes. To date, I have not received any such documentation from the creditor, which raises questions about the legitimacy of this charge-off and whether the account is being reported correctly. 

I am requesting that this account be investigated and either verified with complete and accurate supporting documentation ( including IRS 1099-C issuance records ) and notify me in writing or permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, These remarks have been detrimental to my life and credit health.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I request a validation of debt of this SECURITY CREDIT SERVICES Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  They sent me back a letter whit a statements of other company and they say that this documents is a validation of debt of this. 

So SECURITY CREDIT SERVICES is wrong creditor for this item. according to 15 U.S. Code 1692e False or misleading representations they do not show any original purchase agreement between me and SECURITY CREDIT SERVICES they do not have any prove or agreements between parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX ) gave XXXX  referral to XXXX XXXX XX/XX/XXXX tel. XXXX XXXX said my XXXX XXXX XXXX XXXX XXXX  treatments copay at a freestanding facility, like XXXX XXXX XXXX XXXX XXXX XXXX, is $ XXXX. 
XX/XX/XXXX had first ( XXXX  ) treatment ; XXXX  reception said I owed {$15.00} copay and I paid it ( receipt # XXXX ) on location. 
XX/XX/XXXX XXXX e-billed me billing showing a total balance of {$370.00} for XXXX XXXX treatment visits XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX XXXX gave XXXX  estimate showing my estimated responsibility of {$40.00} for XX/XX/XXXX visit XX/XX/XXXX tel. XXXX XXXX, said they would send an updated XXXX to XXXX showing a {$15.00} ( not {$40.00} ) copay. 
XX/XX/XXXX tel. XXXX " XXXX '' of XXXX ; he will call XXXX insurance dept. ( XXXX ) on XX/XX/XXXX. 
XX/XX/XXXX tel. XXXX " XXXX '' of XXXX will note my account that XXXX is faxing XXXX  to XXXX. 
XX/XX/XXXX tel. XXXX XXXX said XXXX will send revised XXXX  to XXXX, showing my copay is {$15.00} so that XXXX can adjust billing to me ; I need to allow 60 days so summarize claim adjustments. 
XX/XX/XXXX tel. XXXX XXXX said " centralized billing '' shows adjustments with XXXX are in process. 
XX/XX/XXXX tel. XXXX XXXX, of XXXX, said updated XXXX  were never sent by XXXX ; said I need to call XXXX to request updated XXXX  be sent to debt collector NACS. 
XX/XX/XXXX tel. XXXX " XXXX '' ( XXXX employee XXXX ) who conferenced in rep from NACS. I did not get NACS rep name as the call was terminated ( I think he hung up ) after he was rude to me and XXXX accusing us of not listening or understanding that the copay is {$40.00} ( not {$15.00} ) as XXXX, the hospital, bills for their XXXX  medicine and XXXX treatments. He said billing is based on multiple doctors and codes they use to determine the copay. When I asked him why XXXX told me my copay was {$15.00} ( and I paid it on the spot ), he said they were wrong. I asked how do we resolve it if the XXXX reception gave me the wrong information and he said there is nothing to resolve. I owe copays of {$40.00} regardless of being misinformed. XXXX pointed out that some of the XXXX bills for XXXX  treatment used a billing code that generated a {$15.00} copay. 
After the NACS rep was rude and ended the call, XXXX said she would investigate the case and that NACS should put a hold on collection process until investigation is concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for any credit with them. This is a violation of my rights as a consumer and is adding unnecessary stress to an already difficult situation.

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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and Equal Credit Opportunity Act ( ECOA ) prohibit discriminatory or unverified reporting Issue : This account shows late payments which are harming my score but may not be accurate or fully verified Story : I have disputed this directly with the creditor and never received any verification, please reinvestigate the late payments and update the account accordingly DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 623 and the Higher Education Act govern accurate student loan reporting Issue : This student loan account shows late payments which are either incorrect or not fully validated Story : I believe these lates occurred during a period of forbearance, deferment, or administrative transition, and should not be impacting my credit as derogatory marks REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
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 2025-07-09 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft. They do not belong to me!

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already submitted a fraud/identity theft report in the past, including a police report and FTC Identity Theft Affidavit. For your convenience, Ive attached those documents again with this letter, along with a copy of my government-issued ID and proof of address.

Under the Fair Credit Reporting Act ( FCRA ), you are required to block or remove all fraudulent accounts and ensure that my credit report reflects only accurate and verified information. Please conduct an immediate investigation and confirm the removal of these fraudulent accounts from my credit file.

I request written confirmation once the accounts have been deleted and that an updated copy of my credit report be sent to me.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I have already submitted a fraud/identity theft report in the past, including a police report and FTC Identity Theft Affidavit. For your convenience, Ive attached those documents again with this letter, along with a copy of my government-issued ID and proof of address.

Under the Fair Credit Reporting Act ( FCRA ), you are required to block or remove all fraudulent accounts and ensure that my credit report reflects only accurate and verified information. Please conduct an immediate investigation and confirm the removal of these fraudulent accounts from my credit file.

I request written confirmation once the accounts have been deleted and that an updated copy of my credit report be sent to me.

Thank you for your prompt 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