vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$480.00} EQUIFAX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am formally disputing the continued reporting of an account by Credit Acceptance Corporation that has not been validated as required by federal law. Despite my previous request for proper validation, neither Credit Acceptance Corporation nor XXXX  have provided a signed contract agreement or sufficient verification of this alleged debt. Yet, the account remains on my credit report, negatively impacting my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, furnishers must provide proper validation upon request. Credit Acceptance Corporation has failed to provide a legally binding contract or proof of obligation, making its continued reporting a direct violation of these statutes. 

Additionally, under FCRA 1681s-2, Credit Acceptance Corporation is required to remove unverifiable information. Since this account has not been properly validated, I demand : Immediate deletion of this unverified account from my XXXX  credit report. 

Written confirmation of deletion within 15 days of receiving this letter. 

Investigation into Credit Acceptance Corporation for noncompliance with federal law. 

Failure to comply with these demands will result in formal complaints to the FTC, the state attorney general, and potential legal action for violating my consumer rights. I expect an urgent resolution to this matter. Please confirm receipt and provide updates within the stated timeframe.

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 2025-06-10 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: CT

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: WY

Complaint narrative:
I have some hard inquiries on my transunion credit report that I don't recognize # XXXX XXXX on XX/XX/XXXX. # XXXX XXXX  XX/XX/XXXX # XXXX. XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX the aforementioned hard inquiries I don't recognize and don't give my permission to pull my credit report.delete them immediately

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 2025-06-10 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX ( Original Creditor : 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 2025-06-10 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX ( Original Creditor : 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 2025-06-10 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: MO

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX  and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-06-10 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: GA

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXXnquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXXnquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
b'I am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains inaccurate personal information and several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. 1. Incorrect Personal Information My credit file currently reflects outdated and incorrect personal details. I have attempted to update this information with the credit bureaus, but my efforts have not been acknowledged or resolved. Please update my records to reflect the following: Current Address: XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the removal of inaccurate, outdated, or unverified address that do not pertain to me. *.XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Remove this inaccurate one. 2. Unauthorized Credit Inquiries Furthermore, my credit report lists multiple inquiries that I did not authorize. Under FCRA  604, a consumer reporting agency may only provide a credit report with a permissible purpose. The following inquiries do not meet that standard and were not initiated by me: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal of these entries.'

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. A repossession account reported by XXXX XXXX XXXX is still being reported after 7 years from the original date of first delinquency, in violation of FCRA 605 ( a ) ( 4 ). After disputing it, the furnisher updated the balance and date, which appears to be an illegal attempt to re-age the account, a violation of FCRA 605 ( c ). I am requesting immediate removal of this account and a full investigation into this practice. 

I NEVER PAID {$1300.00} on XX/XX/year>, XXXX XXXX is doing whatever they can to keep this on my credit profile by lying and changing the dates and amounts every time I ask for verification.

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 2025-06-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted a credit application to Synchrony Bank/CareCredit using my correct legal name, SSN, and personal information. I received a denial letter that included all of my correct details except the letter was addressed to someone named, which is not my name.

I contacted Synchrony/CareCredit, and the representative dismissed my concerns, stating it didnt affect the denial decision and even suggested I may have entered the wrong name myself. I find this unacceptable. If the denial letter included someone elses name, it raises serious concerns about how my information is being handled and whether my credit file was merged or misused. 

This may be a violation of the Fair Credit Reporting Act ( XXXX  ) or a mishandling of consumer data. I am requesting a formal investigation into how this occurred and whether my credit file has been compromised. 

The credit report used in the application was pulled from 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 2025-06-10 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute significant errors in my account servicing, payoff, and credit reporting. On the recorded call in XXXX, I was told that I had missed two payments and that my payoff date would shift from XXXX to XXXX. I paid the balance in full as agreed. 
However, in XXXX, I received a letter claiming a XXXX forbearance in which after XX/XX/XXXX I never had any communication with the bank stating I still owed {$1700.00}. The letter erroneously referenced my home loan, using the last four digits of my auto loan. No one at your bank ever explained this discrepancy or reached out before sending a confusing, threatening notice. Anyone knowing they owe money and have 5 years to make a payment would have paid extra! I always paid extra just because! 
Even to get some correspondence once a year or even if I would have seen anything on my credit report I would have made an inquiry to find out why and wouldn't have let this put me in such a bad spot, Now the ding in 5 years on my credit is a big hurt for a mistake made by a big company. Check my credit report, everything looks good and that is what I always checked. 
Here are the specific issues IN dispute : Missed Payments : I was incorrectly informed I missed two payments. I have documentation showing I paid on schedule and completed payoff in XXXXXXXX 


Forbearance : I dont have any signed paperwork for the forbearance, I'm not stating that I didn't have it, but it would have been nice to see a contract or something with my signature! Granted I have already paid back everything except {$620.00}! It also would have been professional to alert me of this arrangement and break it down to what ( 2 ) payments paid XXXX, XX/XX/XXXX, were for, then this new XXXX payment discussed in a letter sent right after I thought I was done in XX/XX/XXXX was for. Before threatening me and dinging my credit! 


Erroneous Notification : The XXXX letter applied to a different loan. I was not contacted or given any reasonable notice before this threat. 


Credit Reporting Harm : My credit has been unjustly affected due to these inaccurate claims. 
Requested Action :

Company response to consumer: Closed with explanation