vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to demand that XXXX, XXXX, XXXX acceptance correct inaccurate information on my credit report and compensate me for damages under the Fair Credit Reporting Act ( FCRA ). 

I disputed this error on XX/XX/year> and, per 15 U.S.C. 1681i, you were required to investigate and correct it within 30 days. However, you have failed to do so, violating the FCRA. This has caused financial and emotional harm, including [ denied credit, higher interest rates, etc. ]. To resolve this matter, I demand : Immediate correction of the inaccurate information. 
A {$1000.00} settlement for statutory damages. 
If I do not receive a response within 15 days, I will pursue legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
This company in the past has tried to collect money from me even though I have never used their services/products. 
The first time they resolved the issue and reimbursed me. 
This is now another ridiculous attempt to acquire an insane amount of money from me for Jewelry it seems. 

Original Creditor : Acima Digital XXXX - XXXXXXXX XXXX XXXX XXXX  Current Creditor : XXXX XXXXXXXX XXXX 

Original Account Number : XXXX ' Reference Number : XXXX Current Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX is a debt collector. 

We are trying to collect a debt that you owe to Acima Digital LLC - XXXXXXXX XXXX XXXX XXXX We will use any information you give us to help collect the debt. 

Our information shows : You had an account from Acima Digital LLC - XXXXXXXX XXXX XXXX XXXX with account number XXXX ' As of XX/XX/XXXX you owe : {$4100.00} Between XX/XX/XXXX and today : You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this {$0.00} Remaining : {$4100.00} Ways to Communicate About Your Account Through Our Portal : XXXX XXXX Customer Portal If you have never logged into our website before then please click here to create a new account : New Account Registration The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX Zip Code : XXXX Other : By Phone : XXXX By Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-25 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: MS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
About three weeks ago my bank account was blocked. Citibank told me several times that they would be sending a letter to my address so that I can pay my bills and use my checking account. It still has not arrived. When speaking with representatives over the phone they ask many invasive questions repeatedly and waste time. I am not sure why they do this.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit bureaus Experian for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : XXXX XXXX Experian report the account opened on XX/XX/XXXX, but XXXX reports XX/XX/XXXX ( discrepancy ). 
XXXX reports " XXXX months '' as the loan term, while Experian XXXX XXXX report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession XXXX XXXX XXXX repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : XXXX marks the account as disputed, but Experian XXXX XXXX fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : Experian reports " Voluntary Repossession, '' while XXXX lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting. 
Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), which they failed to do.

I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.

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 2025-02-26 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: VA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information present on my credit report. Despite previous attempts to rectify these errors through your dispute process, the inaccuracies persist, adversely affecting my creditworthiness. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging failures in properly investigating consumer disputes and reinserting incorrect information into credit reports. My experience mirrors these allegations, as I have encountered similar issues with unresolved inaccuracies on my credit report. 

The specific items I am disputing are as follows : XXXX. [ XXXX XXXX Bank ] Account XXXX : XXXX XXXX. [ XXXX XXXX ] : XXXX XXXX. [ XXXX XXXX XXXX ] : XXXX XXXX Payments ( 15 usc 1666 b ) Enclosed are copies of supporting documents that substantiate my claims, including [ list of documents, payment receipts, account statements, correspondence with creditors ].

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough reinvestigation of these matters, correct the disputed information, and provide me with an updated copy of my credit report. 

Please acknowledge receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. 

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The mistakes on my report are negatively impacting my scores and limiting my financial opportunities. Its unfair to be penalized for errors that have nothing to do with me, and Im extremely frustrated by the consequences.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 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: PA

Complaint narrative:
my information was used to obtain credit in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
my information was used to obtain credit in my name

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 2025-02-25 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-25 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Experian Information Solutions Inc .

To Whom It May Concern, I am writing to submit a formal complaint against Experian Information Solutions Inc. regarding their failure to accurately report my credit information and their inadequate handling of my disputes. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is evident that Experian 's practices continue to violate consumer rights and the Fair Credit Reporting Act ( FCRA ). 

I have provided all relevant documentation demonstrating that my rent has been paid and is current. Despite this, Experian has refused to correct my credit report, which inaccurately reflects my account as " closed. '' This misinformation has severely impacted my creditworthiness and has the potential to affect my access to credit, employment, and housing. 

The CFPB 's lawsuit outlines serious concerns regarding Experian 's failure to " reasonably reinvestigate '' consumer disputes and their practice of conducting superficial investigations. My experience aligns with these allegations, as I have repeatedly submitted evidence only to encounter dismissive and unhelpful responses from Experian. Their lack of transparency and failure to forward relevant information to furnishers has hindered my ability to resolve these inaccuracies. 

I urge the CFPB to take immediate action against Experian to hold them accountable for their continuous disregard for consumer protections. It is imperative that they are compelled to adhere to the FCRA and improve their dispute resolution processes to prevent further harm to consumers. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions that will be taken to address my complaint against Experian. 

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have XXXX open business account with Wells Fargo where I do not get my payments on time or delayed when I'm trying to get my check deposited. I had XXXX personal account with Wells Fargo that they closed for no reason because I was - {$38.00} and then they sent me a check For {$5.00} to request information. Why was it canceled because I wasn't getting direct deposit anymore.

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