vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The auto loan with Credit Acceptance, originally opened on XX/XX/XXXX, for {$14000.00}, was paid down to a balance of {$4400.00} and officially closed on XX/XX/XXXX. Despite the accounts closure, XXXX XXXX continues to report numerous missing payments on this account monthly, well into XXXX and XXXX. I have submitted multiple disputes regarding these inaccurate late payments directly to XXXX XXXX ; however, they have repeatedly denied my disputed and have failed to conduct a reasonable reinvestigation or correct the erroneous information, in violation of 15 U.S.C. 1681i, which mandates proper investigation of disputed information. This continued reporting of inaccurate and misleading information also violates 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy in credit reporting. As a result, the incorrect negative information remains on my credit report, causing significant harm to my creditworthiness. I am submitting this complaint to request a thorough investigation and immediate correction of my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-15 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am the victim of identity theft and filed an FTC Identity Theft Report ( Report ID : XXXX ). In XX/XX/XXXX, I discovered unauthorized accounts and inquiries on my credit report that I did not initiate or authorize. These fraudulent accounts are now negatively affecting my credit. 

To address this, I filed a formal identity theft report with the FTC on XX/XX/XXXX, and contacted all three major credit bureaus ( XXXX XXXX, and XXXX ). I requested a credit freeze, placed fraud alerts, and submitted disputes regarding the unauthorized accounts. I also provided each bureau with a copy of my FTC Identity Theft Report and supporting documentation. 

Despite taking these steps, some companies continue to report the fraudulent accounts as valid. They have not removed the accounts or corrected the false information, which is in violation of the Fair Credit Reporting Act ( FCRA ). This ongoing inaccuracy is damaging my credit and causing significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I received a text alert from Citibank regarding the validity of a {$980.00} XXXX XXXX charge to which I responded that the charge was fraudulent. The charge was to a recently issued Citibank card sent to a stranger who had stolen my information. This was likely due to Citibank 's lack of proper security controls. The charges were in my name, but the address shown on the online bill was XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, North Carolina XXXX, where I do not live. On XX/XX/year> I received an online bill from Citibank showing the XXXX XXXX charge of {$980.00} as well as an application fee of {$49.00} and a minimum payment requirement of {$20.00}. Basically, even after I reported that the charge was fraud Citibank went through and subsequently charged me for this fraudulent {$980.00} charge. After numerous calls, Citibank has done little to relieve me of this fraudulent debt. This is quite disappointing given that I also have a XXXX Citibank card for use on government travel. I also reached out to XXXX  about the fact that this Citibank credit card was opened in my name to an address in XXXX North Carolina, where I have never lived. You are my last hope at resolution. Thank 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 monetary relief
Consumer complaint received 2025-06-15 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: MN

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: DC

Complaint narrative:
This is an ongoing issue with Discover Bank... ref merchant pending authorizations and releases of uncollected authorizations that debit the account for longer than normal wait times, for funds to be returned to the available balance. 

Discover operates on Current Balance and Available Balance.... this process is confusing to the account holder and makes for incorrect daily information and funds unaccessible. 

Merchants places an authorization on the Cash Back Debit Card.... on XX/XX/year> for {$100.00}. On XX/XX/year> the Merchant releases the Hold and issues a XXXX balance folio to the account holder. The merchant doesn't pursue the authorization, released it and Discover holds it for 12 -- days+. The policy with Discover is to ensure debit holds clear within ( 8 ) days by the merchant. Although, they hold debit cards longer than the written policy. 

It is known that Discover Bank ( Virtual Bank ) does not offer back office assistance to consumers, they rely on remote call centers or remote employment to service accounts and provide assistance. This platform doesn't resolve issues nor does it provide rebust rapid response to customer needs. Its not a full service branch nor back office. 

The holds placed on the Cash Back Debit Card are inconsistent, inconvenient, and unfair to consumers. XXXX XXXX release holds with 3-5 days. Discover 's policy is minimum 8- days and sometimes up to 12+ ; days, after merchant releases the funds. However, Discover processes debit XXXX and doesn't hold back funds to the merchant ... on the other hand the consumer/ card holders are made to wait long extensions to recover pending funds unsettled and uncollected. 

Discover Bank should comply with current regulations as to extended holds and provide sufficient information or make accessible funds, they know have been released. 

The merchant blames Discover, and Discover blames the merchant. 

The consumer suffers losses during this process, it's unfair, unclear and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am a victim of the XXXX Equifax data breach, which exposed sensitive personal information of millions of Americans, including my own. As a direct result of this breach, two unauthorized accounts have appeared on my credit report that I did not open and have no knowledge of. These accounts are fraudulent and do not reflect my credit activity or financial behavior. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am actively working to have these accounts removed and to restore the accuracy of my credit report. I am requesting that all credit reporting agencies take appropriate action to investigate, block, and delete these accounts pursuant to the Fair Credit Reporting Act ( FCRA ), including section 605B [ 15 U.S.C. 1681c-2 ], which provides protections for identity theft victims.

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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 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 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 XXXXXX/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 2025-06-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 GA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00}

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 2025-06-15 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: EQUITY LOANS LLC
State: KS

Complaint narrative:
First of all the companies website states clearly that everybody has a unique situation and that they work with any type of situation. The purpose of a USDA guaranteed loan is for people who struggle to get a conventional loan have the opportunity to buy a home. If there is a issue making a payment then USDA GUARANTEES that the lender gets that payment. I have had full time employment for over 25 years, I have proved this with multiple documents. I improved my credit score to a accepted number, my wife and I both work full time it is obvious we make enough money to make the payment. So it was approved by lender, it was then approved by USDA, one day before closing quality control picks my file and denied my loan. This has been 8 weeks of pure XXXX for me and my wife and XXXX kids. We are homeless and I am about to loose everything because the quality control seen a discrepancy in my earnings from XXXX  A year that is over and we will never get back. What gets me is the Government will back the loan so they lender will not be out anything and they still denied me. This is so messed up on many levels. What am I going to do? Truth be told they never wanted to do the loan to begin with and worked hard to find a reason not to. It's sad that people can have control over another 's life like this. It's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Managers, Inc.
State: WA

Complaint narrative:
I am disputing the reporting of a medical debt in XXXX XXXX XXXX XXXX in amount of {$190.00} on XX/XX/XXXX. This is a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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 writing to formally dispute the following item ( s ) on my credit report, as I believe they are inaccurate and/or unverifiable. This letter is a formal request to investigate and remove the item ( s ) listed below from my credit file pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Disputed Item ( s ) : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off/Never late. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1700.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$27000.00} written off. {$24000.00} past due as of XXXX XXXX. 

This information is either inaccurate, incomplete, or can not be verified. Under the FCRA, you are required to verify the accuracy of the information within 30 days of receiving this dispute ( or 45 days if initiated through annualcreditreport.com ). If the furnisher of the information can not substantiate the account or its details, it must be removed from my credit report. 
I respectfully request the deletion of this item from my credit report if it can not be verified. Please complete the investigation and provide a written response of the outcome, as well as an updated copy of my credit report. 
Thank you for your time and attention to this matter. I look forward to your resolution within the required timeframe under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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 writing to formally dispute the following item ( s ) on my credit report, as I believe they are inaccurate and/or unverifiable. This letter is a formal request to investigate and remove the item ( s ) listed below from my credit file pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Disputed Item ( s ) : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off/Never late. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1700.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$27000.00} written off. {$24000.00} past due as of XXXX XXXX. 

This information is either inaccurate, incomplete, or can not be verified. Under the FCRA, you are required to verify the accuracy of the information within 30 days of receiving this dispute ( or 45 days if initiated through annualcreditreport.com ). If the furnisher of the information can not substantiate the account or its details, it must be removed from my credit report. 
I respectfully request the deletion of this item from my credit report if it can not be verified. Please complete the investigation and provide a written response of the outcome, as well as an updated copy of my credit report. 
Thank you for your time and attention to this matter. I look forward to your resolution within the required timeframe under 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 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint to follow up on CFPB Case # XXXX, in which LVNV Funding LLC ( via Resurgent Capital Services ) responded with false and misleading information. 

In their XX/XX/year> response to my original complaint, LVNV/Resurgent falsely claimed that no funds have been garnished. This is not true. 

I have attached pay stubs showing ongoing 10 % wage garnishments, even though the XXXX XXXX XXXX New Jersey ( XXXX XXXX ) issued an order on XX/XX/year> to reduce the garnishment to 5 %.

LVNV is knowingly allowing this excessive garnishment to continue. This has caused significant financial hardship and violates the courts directive. 

Additionally, I never received proper legal service of the original lawsuit. The judgment was entered after I had been evicted from the address they allegedly served, making their claim of proper service invalid. 

Neither LVNV nor XXXXXXXX XXXX XXXX has ever provided full debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I still have not received : A signed agreement or contract, A full account history showing how the debt grew from a {$500.00} limit to {$1800.00}, A breakdown of interest, fees, and penalties applied, Monthly statements, Or any lawful proof of assignment or debt ownership. 

I believe this garnishment is unlawful and based on a judgment obtained through deceptive means and improper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I got a new card with Commenity Bank about 2 months ago. My first was due a few days ago. I am trying to locate my check book since they dont take debit cards as payment. Only bank account information. They have called 5-7 times a day for the past 4 days using a private number so I dont lnow who is calling. Including this weekend. Its to the point where its causing me XXXX. I asked them why they call me so often and that its not legal. They said they cant help how many times thier system calls thier customers. So they do this to everyone it seems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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