vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MN

Complaint narrative:
In XX/XX/year>, I mailed a full dispute packet to Experian requesting a lawful reinvestigation under FCRA 611, removal of inaccurate personal information, deletion of unverifiable accounts, and enforcement of my address protection rights under Minnesotas XXXX XXXX XXXX XXXX USPS confirmed delivery, but Experian did not respond within the 30-day period required by law. 

Experian later closed multiple disputes in under an hour, which makes a real investigation impossible. They did not contact furnishers, did not provide a XXXX of XXXX, and did not correct any of the disputed errors. Personal information I disputedsuch as old addresses, old names, and old employersremains on my file even though I provided legal documentation showing they must be removed. 

Most critically, Experian continues to report a collection account from XXXX XXXX XXXX even though the furnisher responded to the CFPB stating they have no record of any account for me. If the furnisher can not validate or locate the account, Experian is required under FCRA 611 ( a ) ( 5 ) ( A ) to delete it, but they have not done so. This shows Experian did not conduct a reasonable reinvestigation. 

Experian also ignored the requirements of XXXX XXXX XXXX XXXX confidentiality program, which prohibits reporting or storing physical addresses. Despite receiving documentation, Experian continues to display unauthorized addresses and personal identifiers. 

Overall, Experian failed to investigate, failed to correct inaccurate data, failed to delete unverifiable information, and failed to comply with both federal and state law. Their investigation did not fix the errors on my credit report, and in some cases they reported items as updated even though nothing was corrected. I requested the following information from Experian in my mailed dispute packet sent on XX/XX/year> : A full reinvestigation under FCRA 611 ( a ) ( 1 ) The Method of Verification for all disputed accounts under FCRA 611 ( a ) ( 7 ) Deletion of any account that could not be verified under FCRA 611 ( a ) ( 5 ) ( A ) Removal of all old addresses, old names, and old employers Removal of all personal identifiers not approved under the Minnesota XXXX XXXX XXXX XXXX ( XXXX ) Validation of the XXXX XXXX XXXX account Validation of any negative tradeline reporting Copies of all documents used to verify accounts Notification of investigation results as required by law Experian did not provide any of this information.

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 2025-11-28 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: GA

Complaint narrative:
TransUnion is reporting inaccurate, unvalidated information on my consumer report. The unknown business XXXX XXXX XXXX for the amount of {$640.00}. The dates, amount owed, status are inaccuratley being reported. This is a debt I DO NOT OWW this company. Information was prematurely submitted to consumer report with verifying accuracy an ownership.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My account randomly just stopped logging me in one day everytime it says it sends a reset email to my email I get nothing they dont send anything to my number either I cant get ahold of anyone and cant login there denying me access to my credit reporting.

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 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
They told me and my XXXX  if we dont pay a debt we will be nothing in life we need to shut up and listen threatening us to make the payment now or else they will keep it on our credit for life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The company placed me on a payment plan, then charged my card a XXXX late fee when they told me I have extra days to pay due to payment plan, then the minimum payment was supposed to be automatic so I called to find out they said no payment was schedule so I made the payment, and they charged my other account automatically when supposedly no payment was scheduled automatically, then the charged an additional {$20.00} on the account for payment not going through when they told me no payment was scheduled. I asked them to close the account as their payment plan is supposed to be helping me reduce my balance each month but instead they are charging fees and increasing my balance more than before when I am not supposed be be charged fees or interest while on the payment plan. They refused to close the account as a balance is still pending, they refuse to reverse the fees as instead they as adding more. As evident in my credit report my account have been good standing for five years. My current balance should be {$210.00} but they have the Balance at XXXX this has affected my ability to use the card, and it is reflecting negatively on my credit report this is one of my longest running accounts. And the company representatives have done nothing to fix the situation. During the month of XXXX I spent countless hours speaking to three representatives who basically said make a payment and then we will escalate your request for review. In other words pay a fee I was not supposed to be charged and then they would consider a review to either refund the fee or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-28 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 consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I was never notified of Debt in writing from LVNV about the following debts : XXXX XXXX XXXX  Resurgent ID XXXX XXXX XXXX Resurgent ID XXXX XXXX XXXX  XXXX ID XXXX XXXX XXXX Resurgent ID XXXX Upon seeing these accounts marked as collections on my Consumer Credit Report I have sent letters demanding a cease and desist and validation of debt requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have a response as to the response from Credit Acceptance Corporation. The CFPB in my opinion did not fully investigate my complaint.

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 2025-11-28 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-28 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-28 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX united auto credit acquired a sticker from the at fault insurance company they waited over 30 days to try and get a higher pay out from the At fault insurance company but they took a swing and missed so since they didnt get an appraisal they charged me all the interest fees when they told me not to take the first offer because they were sending paper work my payoff balance is XXXX  they charging me fees for waiting on them and it is truly not right I waited over a month for them to process stating they were handling the issue but instead they were waiting on a higher payout they was never goin to get even after they kept XXXX XXXX in interest they got XXXX for the insurance payout plus gap wich is XXXX plus my XXXX down wich is a total of approximately XXXX for a loan that was only 8 months wich XXXX would be XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I did not give authorization for these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I did not give authorization for these companies to run my credit

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not merely necessary it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-28 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:
These accounts are not mine ; they must be deleted within 15 days according to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of a bankruptcy reported on my credit file. The inclusion of this bankruptcy is in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, which mandates that all items reported on a credit file must be accurate, verifiable, and reported with a permissible purpose.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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