vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
I reached out to the company and was given a runaround. Transferred 3 times hung up on and still no results. There are multiple accounts and addresses on report that do not belong to me. One account has already been proved not to be mine by the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
Re : Urgent Dispute and Demand for Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of the XXXX XXXX XXXX XXXX account reporting on my Experian credit file, original creditor XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. This account is being reported inaccurately, inconsistently, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Grounds for Dispute : Inaccurate Reporting & Metro 2 / eOSCAR Noncompliance : Experian is reporting the account as a Collection each month from XX/XX/XXXX through XX/XX/XXXX, while XXXX  reports the same account as an Open Account with no payment history, and XXXX  does not report the account at all.

This represents inconsistent reporting across CRAs and violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires that any disputed information be investigated and verified as accurate.

The discrepancies also indicate Metro 2 noncompliance, as the account type and reporting codes do not match the payment history or status update rules required for accurate credit reporting in e-OSCAR submissions.

Experian/ XXXX  Reporting although XXXX  is not many differences across the two credit agencies such as Balance update, status update, account type, payment history, also different addresses reporting as contact Info.

Violations : FCRA 1681s-2 ( b ) FCRA 1681i ( a ) FDCPA 807 ( 8 ) FDCPA 809B FDCPA Violations : The reporting by XXXX XXXX XXXX XXXX is misleading and harassing, violating FDCPA 807 ( 8 ) by furnishing false or deceptive information to credit reporting agencies.

Reporting conflicting addresses ( PO Box versus physical ) and inaccurate account status constitutes a failure to verify debt and an unfair collection practice, as prohibited under FDCPA 809 ( b ).

Request for Deletion : Given the clear, provable inconsistencies, I am demanding immediate deletion of this account from my Experian credit report.

Under FCRA 1681i ( a ) ( 5 ) ( A ), if the furnisher can not provide accurate verification, Experian is legally required to delete the information.

This letter serves as a formal dispute under FCRA and a demand for remediation of all reporting errors. Please update your records immediately and confirm in writing that the account has been deleted from my file.

Failure to comply will leave me with no choice but to escalate this dispute, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Sincerely, 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 2025-11-13 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-13 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: DE

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unauthorized addresses that are being reported on my credit file. These addresses do not belong to me, and their presence indicates serious inaccuracies in the maintenance of my credit information. This error violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of consumer data.

Below are the addresses that are incorrectly listed under my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at, used, or been associated with these addresses in any capacity. The appearance of these addresses on my credit file raises serious concerns about potential data contamination, identity mixing, or even identity theft.

I have previously attempted to resolve this issue directly with the credit reporting agencies, but these inaccurate addresses have not been removed. Their continued reporting causes harm to my credit profile and creates a false representation of my personal history.

Requested Resolution : I respectfully request that the CFPB ensure all credit reporting agencies : Conduct a full investigation into the origin of these addresses.

Remove all incorrect and unauthorized addresses from my credit report immediately.

Provide a written explanation confirming the deletion and confirming that my credit file now reflects accurate and verified personal information only.

I have attached documentation verifying my correct and current address for your review. Please investigate this matter promptly in accordance with FCRA requirements.

Thank you for your immediate attention and assistance in correcting this violation.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PNC Bank N.A.
State: PA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Summary of the Issue After my father passed away in XX/XX/year>, I contacted Consumer Portfolio Services ( XXXX ) to inquire about his auto loan. The company pressured me into making a payment on a loan that was not in my name, using threats of immediate repossession. Their conduct toward a grieving family member of a deceased borrower was predatory, coercive, and inconsistent with fair debt collection practices. I am requesting a refund of the payment I made under duress.

Detailed Explanation My father passed away on XX/XX/year>, and was buried on XX/XX/year>. Shortly after his funeral, I began settling his financial affairs. On XX/XX/year>, I called Consumer Portfolio Services ( XXXX ) to inquire about his car loan. 
Because I was not an authorized user, I had to involve my grandmother so that the representative would discuss the account with me. Once I was authorized to speak, the XXXX representative immediately stated : Hey, glad you called today. The car needs to be surrendered today we need the address but if you still want to drive it, you can pay {$450.00}, and well remove the repossession status.

I explained that my father had recently passed away and that our family was still in the process of managing his estate. The representative informed me that my father was approximately five months behind on payments and offered a deal : if I made two payments within XXXX, the car would be removed from repossession status. After I expressed concern about finances, they allowed me to make the second payment by XX/XX/year>, but insisted that I pay the first amount immediately to avoid repossession.

My family and I were emotionally distraught and relied on that vehicle for transportation during this difficult time. Out of fear that XXXX would take the car, we gathered the funds and made the {$450.00} payment. When I was unable to make the second payment on XX/XX/XXXX, XXXX called again around XXXXXX/XX/XXXX, demanding either payment or the cars location for repossession.

I made the first payment under emotional distress and without legal obligation, as I was not a co-signer, borrower, or authorized user on my fathers account. The XXXX representative did not explain the correct estate process for a deceased borrower, did not advise me of my rights, and instead pressured me into paying a debt I did not owe.

This conduct felt predatory, misleading, and insensitive, particularly given that my father was a U.S. veteran and I am a college student who had just lost a parent. XXXX handling of this situation caused unnecessary financial and emotional hardship and appears inconsistent with consumer protection and fair collection standards under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I discovered an auto loan account from Credit Acceptance Corp ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) on my credit report that I never opened, applied for, or authorized. The account is listed as a joint installment loan, opened on XX/XX/XXXX, with a high balance of {$15000.00}, and closed on XX/XX/XXXX. 

I contacted Credit Acceptance Corp directly to dispute this account and requested verification, including a copy of the original signed contract, loan application, and account statements proving that I am legally responsible for this loan. The company has not provided any documentation to substantiate my authorization or responsibility for this account, yet it continues to appear on my credit report. 

This account is being reported without my consent, which may constitute identity theft or an unauthorized account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, furnishers of information are required to ensure maximum possible accuracy and conduct a reasonable investigation when a consumer disputes the validity of an account. 

I am requesting that Credit Acceptance Corp and the credit reporting agencies conduct a full investigation. If the company can not provide documentation proving my authorization, the account should be deleted from all credit reports.

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 2025-11-13 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 dispute inaccuracies and incomplete information on my credit report as it pertains to various accounts reported across the three credit bureaus. I have detailed the accounts in dispute below, separated by each bureau for clarity. I request that the inaccuracies be corrected and that the records be updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
b'Examine the enclosed materials; the inquiries came without prior notice and could lack approval.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Verify that disputed items are taken off within the legally defined period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union ( Account # XXXX ) has reported inaccurate and/or unverifiable information to the credit bureaus XXXX XXXX XXXX and XXXX XXXX  XXXX Despite my previous disputes and formal requests for verification under the Fair Credit Reporting Act ( FCRA ), the information remains on my credit reports without proper validation. 

The FCRA ( 15 U.S.C. 1681s-2 and 1681i ) requires data furnishers like Navy Federal to ensure maximum possible accuracy when reporting information and to properly investigate any disputes forwarded by the credit bureaus. In this case, Navy Federal has failed to provide verifiable documentation supporting the accuracy of the reported accounts.

Specifically : - Navy Federal continues to report account information that appears inconsistent or unverifiable.

- The accounts remain marked as delinquent or open, despite being closed and/or disputed.

- My disputes were not adequately investigated or resolved within the required 30-day period. 

This ongoing reporting of potentially false information is causing harm to my credit profile and violates the standards of accuracy and fairness required by federal law. 
What I Would Like Done I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Navy Federal Credit Unions reporting practices and require the following actions : 1. Conduct a full and documented reinvestigation of all disputed Navy Federal accounts.

2. Provide evidence of the original signed agreements, payment records, and verification documents supporting the accuracy of the accounts.

3. If Navy Federal can not provide verifiable documentation within the FCRAs timeframe, delete the unverifiable accounts from all credit bureaus immediately. 
4. Confirm in writing that corrective action has been completed.

Supporting Laws and Rights - FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers must not report inaccurate information.

- FCRA 1681i ( a ) : Consumers have the right to dispute and have unverifiable data removed within 30 days.

- FCRA 1681s-2 ( b ) : Furnishers must investigate disputes received from credit bureaus.

- FDCPA 807 : Prohibits the use of false, deceptive, or misleading representations in the collection or reporting of debts. 
Summary I have made good faith attempts to resolve this matter directly through the credit bureaus. However, Navy Federal Credit Union has not adequately verified or corrected the disputed information. I am therefore requesting the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and deletion of unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief