vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, and the financing was arranged through Credit Acceptance Corporation. The vehicle was advertised at {$5900.00}, but the final sale contract listed the price as {$8400.00}, with no explanation provided. I paid a {$3000.00} down payment in cash, but this amount was not properly credited in the financing breakdown. 

I was rushed through the paperwork without being given a clear or complete view of the financing terms, interest rate, or full cost of the loan. I later discovered I was charged for a warranty that I was told was included with the car. The total cost of the loan was substantially higher than expected, and I was misled about what was included in the sale. 

I attempted to resolve this issue directly with the dealership and submitted a dispute letter to Credit Acceptance Corporation. I also requested a corrected contract, loan adjustment to reflect the accurate sale price, and application of my down payment. Despite multiple attempts and providing supporting documentation, my concerns have not been addressed. 

This situation has resulted in excessive interest charges, misrepresented loan terms, and financial harm. I have filed additional complaints with the Illinois Attorney General, the XXXX XXXX XXXX XXXX XXXX XXXX and the FTC.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the 2017 Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the 2017 Equifax breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent 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 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Communication Notice To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ) that I demand XXXX XXXX XXXX cease and desist all communication with me regarding any alleged debt you claim I owe. 

Please be advised that reporting any information to the credit bureaus is considered a form of communication under the FDCPA. Therefore, I also demand that you cease all credit reporting activities related to this alleged debt immediately. 

Under the FDCPA, once a consumer submits a written request to cease communication, a debt collector must comply except to notify the consumer of specific legal action being taken.

Let me be clear : I dispute the validity of any alleged debt you claim I owe.

You are not to contact me by phone, mail, email, or through any credit reporting agency.

Failure to comply with this request may result in legal action against you for violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I recommend that you review your records thoroughly and cease any and all contact with me moving forward.

Sincerely,

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.

Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
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, These hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.

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 2025-03-26 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$8700.00} XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$14000.00} XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **Inquiries** 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

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 2025-03-26 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MO

Complaint narrative:
This is a debt I have no knowledge about, i have tried disputing the debt before. 
Here is a copy of the debt. 
ASTERN ACCOUNT SYSTEM, INC. 
Last reported XX/XX/XXXX {$1600.00} Open balance EASTERN ACCOUNT SYSTEM, INC. 
Original creditor SNAPSHOT Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name EASTERN ACCOUNT SYSTEM, INC. 

Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report for XXXX XXXX ( FCRA Violation ) for XXXX an XXXX for ( Zions Debt Holding Account # XXXX ) I am writing to file a formal complaint regarding inaccuracies on ( account # XXXX ) credit report of XXXX XXXX XXXX The report contains incorrect information from XXXX and XXXX concerning the monthly payment date, last reported date, and last active date for accounts that are negatively affecting the creditworthiness of the individual. These errors violate the provisions of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to resolve these issues an have this account deleted from my credit report. 

Specifically, the inaccuracies on the credit report are as follows : Monthly Payment Date The reported payment date does not align with the actual payment history for the account. The date listed is incorrect, which affects the accuracy of the accounts standing. 

Last Reported Date The last reported date for the account is listed incorrectly, which distorts the credit reports reflection of the most recent account updates. 

Last Active Date The last active date does not match the actual date when the account was last utilized or reported. This discrepancy negatively impacts the reported credit activity. 

These inaccuracies are causing significant harm to my credit score and are preventing me from accessing better financial opportunities. As required under Section 1681i of the FCRA, I have attempted to resolve the issue directly with the credit reporting agencies but have not received an adequate response. Despite my efforts, the incorrect information remains on the credit report. 

As per the FCRA, credit reporting agencies must investigate disputed information and correct or remove inaccuracies in a timely manner. I am requesting the Consumer Financial Protection Bureau assist in ensuring that the reporting agencies comply with the law and correct the inaccurate details as outlined above.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
I recently got a copy of my credirt report and noticed several inaccuracies on my account. I'm requesting that Experian and Transunion investigates these accounts for me to ensure accuracy, I've listed the accounts in question below. 

Name : XXXX XXXX XXXX. 
Account : XXXX Name : XXXX XXXX Account : XXXX I've attached my ID, copy of my SSN card and paystub to verify my identity and address

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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2025 {$3200.00} Needs Attention = + CXXXX XXXX XXXXXXXX XXXX Reported : XXXX. XXXX, 2025 {$950.00} Needs Attention + XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, 2025 {$200.00} Needs Attention + XXXX  XXXX XXXX XXXX Reported : XXXX. XXXX, 2025 {$620.00} Needs Attention + COMPLETE XXXX XXXX Reported : XXXX. XXXX, 2025 {$1300.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, 2025 {$1000.00} Needs Attention + XXXX XXXX XXXX  Reported : XXXX. XXXX, 2025 {$3400.00} Needs Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a legitimate business transaction should appear on my credit report. Since I did not authorize any Of these inquiries, they must be removed immediately. Unauthorized inquiries negatively impact my credit score and are a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-26 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Today, I found inaccurate accounts on my credit report and have no idea how they appeared. I regularly review my credit report, but this time, I noticed discrepancies that werent there before. I tried refreshing my browser, thinking it might be a temporary glitch, but the incorrect accounts remained. Because of this, I kindly request a thorough review of the documents I have submitted to ensure that I never have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 sending to notify you that I have become a victim of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of any items listed in my identity theft report. 

XXXX XXXXXXXX XXXX XXXX BALANCED {$2.00} XXXX XXXX XXXX XXXX BALANCED {$2.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$6.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX Original Creditor XXXX XXXX XXXX XXXX BALANCED {$2600.00} XXXX XXXXXXXX Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX Original Creditor XXXX XXXX BALANCED {$2.00} XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$7200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 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