vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
People inc account XXXX XXXX XXXXXXXX I am writing to dispute the accuracy and validity of a repossession account that appears on my credit report. The account information being reported is inaccurate, incomplete, and unverifiable, and therefore violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the Uniform Commercial Code ( UCC 9-611 to 9-614 ), when a vehicle is repossessed and sold, the creditor is required to send the borrower a written accounting that shows : 1. The sale price of the vehicle ; 2. How the sale proceeds were applied to the loan balance ; and XXXX. How any remaining deficiency balance was calculated. 

To date, I have not received any such documentation from the creditor or their agent. Without that information, the amount being reported as a deficiency is unsupported and unverifiable.

Under the FCRA, specifically : 607 ( b ) consumer reporting agencies must ensure that all reported information is accurate and verifiable ; 611 ( a ) ( 1 ) I have the right to dispute any information I believe is inaccurate or incom
plete ; 623 ( a ) ( 1 ) ( A ) data furnishers ( creditors ) are prohibited from reporting information they know or should know is inaccurate.

Because the creditor has failed to provide the legally required accounting, they can not substantiate the accuracy of the balance or the legitimacy of the repossession report. Therefore, this account must be immediately deleted from my credit report or corrected to comply with federal law.

I am requesting that you : 1. Conduct a reasonable investigation as required under FCRA 611 ( a ) ; 2. Require the furnisher to provide verified documentation proving the accuracy of the reported balance ; and 3. Delete the account from my credit file if no proof is produced within the statutory 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
There are still Fraudulent accounts being reported in my name, the creditors illegally reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( XXXX ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. In XXXX court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
There are still Fraudulent accounts being reported in my name, the creditors illegally reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( XXXX ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. In XXXX court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: OH

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-29 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: OH

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-29 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: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I checked my credit report and noticed that the below XXXX accounts do not belong to me. I have a police report and a fraud alert on my all three credit reports. 

Account name CAVALRY PORTFOLIO SERVICE Also known as XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX POTENTIALLY NEGATIVE Balance {$5500.00} Balance updated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX POTENTIALLY NEGATIVE Balance {$3200.00} Balance updated XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
When I went to use my card for a breakfast purchase in XXXX on XXXX was told card was locked. After contacting AMERICAN EXPRESS they told me I needed to make XXXX dollar payment to unlock my blocked card and prevent a review of my blue card, This is after I already made a XXXX payment in the AM ( amount due was only XXXX I always pay higher amount ) Even after speaking to a supervisor I got the same answer review had to happen unless I paid the amount requested, Called them PIRATES and hoodlums for holding something hostage to get more money, after about 20 minutes of discussion they informed me that the review was to be done on the 17th unless I made the payment. The review was supposedly something they do randomly on accounts even though after 11 years with AMERICAN EXPRESS never had one done or ever heard of anyone having it done, told them to do the review and get it over with. after several days contacted them to see if review was completed, Was told review was completed my amount was lowered to XXXX max but could not use the card because it was frozen unless I made a payment to my loan account, The loan account was at the time part of restructuring through a lawyer group and then found out this was the actual reason card was locked. They lied about the whole process and was deceptive about everything. On XXXX they called with very threatening attitude telling me that American Express does not work with dept resolution or consolidating companies and I would be required to make all payments regardless I again gave them the information and discussion was ended. Anyone dealing with American Express be aware of their hidden procedure and threatening attitudes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OR

Complaint narrative:
First, they closed my account without warning. I was told that I had requested it to be closed by phone. I did not. They then opened it back up. A week or so later after I reported it with the XXXX  I got an email saying it would be closed on XX/XX/year>. I called and they couldnt give me any information and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-29 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : 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 Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2.

The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last year :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has no credit score for me saying that I have no history. The chat person said to file a dispute on experian. When I go to file the dispute it shows all of my credit activity in the dispute section. However for a credit score it says I have no history. Apparently a lot of XXXX companies use experian to pull up my credit history which ends up in me being declined for lack of history. My score on equifax is XXXX and my score on XXXX XXXX is XXXX, but nothing shows up on Experian even though all my accounts are in there dispute history

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2025-10-29 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Silverman Theologou, LLP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX and Silverman Theologou , LLP is attempting to collect XXXX dollars although the courts dismissed their claim and I, XXXX XXXX the defendant won the case by default. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
On or around XX/XX/year>, I was alerted to a fraudulent vehicle loan opened in my name with XXXX XXXX. I never signed the loan documents and never authorized this account. The dealership ( XXXX XXXX XXXX ) listed me as the primary borrower without my knowledge or consent. I never visited the dealership and never signed any paperwork. 

The loan was charged off and reported on my credit file, causing serious harm to my credit standing and financial wellbeing. 

Upon investigation, I obtained a copy of the forged retail installment contract, showing my name and signature which I did not provide as well as an unauthorized payment of {$16000.00} wired from the dealership to a disbarred attorney ( XXXX XXXX ), without my permission. No written settlement was signed or approved by me. 

I have made multiple attempts to resolve this issue directly with XXXX and the dealership. To date, no correction has been made to remove the account or acknowledge the forgery. I am XXXX XXXX XXXX and XXXX XXXXXXXX. This ongoing harm is deeply distressing. 

I am requesting immediate removal of the fraudulent account from my credit report and a full investigation into XXXX role in approving and reporting the forged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
On or around XX/XX/year>, I was alerted to a fraudulent vehicle loan opened in my name with XXXX XXXX. I never signed the loan documents and never authorized this account. The dealership ( XXXX XXXX XXXX ) listed me as the primary borrower without my knowledge or consent. I never visited the dealership and never signed any paperwork. 

The loan was charged off and reported on my credit file, causing serious harm to my credit standing and financial wellbeing. 

Upon investigation, I obtained a copy of the forged retail installment contract, showing my name and signature which I did not provide as well as an unauthorized payment of {$16000.00} wired from the dealership to a disbarred attorney ( XXXX XXXX ), without my permission. No written settlement was signed or approved by me. 

I have made multiple attempts to resolve this issue directly with XXXX and the dealership. To date, no correction has been made to remove the account or acknowledge the forgery. I am XXXX XXXX XXXX and XXXX  XXXX. This ongoing harm is deeply distressing. 

I am requesting immediate removal of the fraudulent account from my credit report and a full investigation into XXXX role in approving and reporting the forged loan.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I requested a debt verification for case XXXX XXXX, for which they are charging me, and on two occasions they only sent me the credit card statement, which is unacceptable. A debt verification based on the ( FDCPA )

Company response to consumer: Closed with explanation