vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a car from XXXX in XXXXXXXX XXXX XXXX A week after purchasing the car I contacted the dealership due to the engine seizing at this time I was told to bring the can to the dealer. After making a request for the dealer to tow the car the dealer said I would need to contact the lien holder. The company that the loan was through is Credit Acceptance, I contacted this company many times to collect the car and they allowed me to complete a voluntary repossession. Which the car was removed from my property and in possession of credit acceptance. During this time I was in the middle of XXXX  XXXX bankruptcy and was advised per the attorney I can amend my claim and include the car. I then did so and this was included apart of the bankruptcy.This has been listed many times as included and closed through XXXX XXXX  bankruptcy. However, this account continues to populate on my XXXX but shows closed on XXXX and XXXX I have reported this account multiple times and it continues to open and show as active. Now this account went from being XXXX to XXXX. I have spoke with many representatives with Acceptance and they could confirm the car was received and the car was included in the bankruptcy.

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 2025-08-09 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: MN

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, CHALLENGED OR NOT.

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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-08-09 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX  Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
Transunion and Experian are reporting inaccurate information from a number of debt collectors who failed to properly validate the alleged debt, whether the own the debt or trying to collect on behalf of of another entity and the amount paid to obtained the debt if it applies.

Some debt collectors only submitted bank statements which are insufficient to verify or validate a debt under the Fair Debt Collections 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 explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-09 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:
This CFPB has been filed to request pursuant to FCRA605B ( 15 U.S.C.1681c-2 ) that you Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this Affidavit.This fraudulent, inaccurate, and false information consists of an XXXX XXXX XXXX account opened on XXXX XXXX, under the account number XXXX. This fraudulent account has resulted in several hard inquiries listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. I do not recognise the aforementioned fraudulent account and hard inquiries as reported.The aforementioned fraudulent account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned fraudulent account and hard inquiries are the result of identity theft and fraud.I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX and an FTC Fraud Report XXXX XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that the aforementioned fraudulent account and hard inquiries are the result of identity theft and fraud.

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 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I financed a rooftop solar system through GoodLeap, LLC. The system was installed by XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which is now in Chapter XXXX bankruptcy ( XXXX Bankruptcy XXXX, XXXX XXXX, Case No. XXXX ). My system has not worked since XXXX XXXX is insolvent and can not repair the system. 

Under the FTC Holder Rule ( 16 C.F.R. Part 433 ), my loan agreement contains the required Holder Rule notice. I am asserting all claims and defenses against GoodLeap as the holder of the credit contract. The goods and services provided have substantially failed, and the system remains nonfunctional. This is a breach of contract and warranty, and a violation of the North Carolina Unfair and Deceptive Trade Practices Act ( XXXX XXXX XXXX. XXXX ). 

I have sent GoodLeap written demand letters ( attached ) requiring them to either : XXXX ) Suspend payments, late fees, and interest while the dispute is investigated, mark the account as disputed with all credit bureaus, and arrange/pay for complete repair within 14 days, XXXX XXXX ) Rescind the transaction, cancel all remaining obligations, and refund all amounts paid. 
I request that the CFPB require GoodLeap to : Suspend all payments, fees, and interest immediately.

Mark the account as disputed and stop negative credit reporting. 
Either repair the system at their expense or cancel the loan and refund my payments. 

Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
On XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX with reference number XXXX. 

On XX/XX/year>, I sent an email to XXXX XXXX XXXX asking for information to validate the debt ( copy attached ). 

On XX/XX/year>, I received a package from XXXX XXXX XXXX, however, they failed to validate the debt and only provided bank statements. 

Under the Fair Debt Collection Act, I believe that in insufficient information to verify or validate debt. 

XXXX XXXX XXXX failed to provide all the information I requested for and did not identify if they own the debt or trying to collect an alleged debt on behalf of Barclays Bank 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
I am disputing a {$9000.00} debt that appeared on my account due to unauthorized access. I work at XXXX XXXX and do not have anywhere near that amount of money in my account. I did not authorize these transactions and could not have made them. 

I previously filed a dispute with the bank, but it was denied without sufficient explanation. I asked to reopen the dispute, but I was told I could not refile. This is unfair and violates my rights under the Fair Credit Billing Act and Regulation E, which require banks to investigate and resolve unauthorized transactions. 

I have explained to the bank that : I had no knowledge of or control over these charges. 
Someone else accessed my account without my consent. 
This transaction amount is far beyond my financial means. 
I did not benefit in any way from these funds. 
I am requesting that the CFPB require the bank to : Reopen my dispute and conduct a full investigation. 
Provide documentation of how the charges were verified as mine. 
Remove the fraudulent {$9000.00} debt from my account. 
I can attach any proof I have, including my pay stubs and any documentation showing my account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-11 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal 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