vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have been disputing a repossession account reported by XXXX XXXX for nearly 5 months with no resolution. I was only a co-signer on the auto loannot the primary borrowerand I was never on the title or in control of the vehicle. I separated from the primary borrower in 2018, long before the vehicle was repossessed. 

At the time of the repossession, I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, MI. I never received any notice of default, repossession, or sale from XXXX XXXX, which violates UCC 9-611. 

I have filed multiple disputes with all three credit bureaus ( XXXX XXXX and XXXX  ), but they continue to verify the account even though it is legally and factually incorrect. The credit bureaus and XXXX XXXX have failed to correct or delete the inaccurate data, violating FCRA 602 and 611.

This incorrect reporting has damaged my credit score and caused emotional and financial harm. I am requesting that the CFPB intervene to ensure the repossession tradeline is permanently deleted from all credit reports and that I am compensated for the harm done.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX 2025, my sister, XXXX XXXX, purchased seven ( 7 ) money orders totaling {$5900.00} from XXXX XXXX on my behalf. I intended to deposit them into my TD Bank checking account, but shortly afterward, TD Bank abruptly closed the account and terminated our relationship without warning or clear explanation. 

TD Bank sent me a check with my remaining account balance but excluded the {$5900.00}, even though those funds should have been deposited. They provided a final account statement confirming the money orders were never deposited and have not responded with any resolution or accountability. 

I contacted XXXX XXXX and submitted notarized documentation three separate times to request an investigation. In XXXX 2025, XXXX XXXX confirmed in writing that all seven money orders were cashed ( serial numbers ending in XXXX ) on XXXX XXXX, 2025, and that none were returned or rejected. They also provided copies of the cashed items and instructed me to contact TD Bank directly, as they have no further control over the funds. 

Despite these efforts, TD Bank has offered no explanation as to where the funds were deposited or by whom, and I remain without the {$5900.00}. I am requesting the CFPBs help to investigate TD Banks handling of this issue and help ensure a full and fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
This is a follow-up to my previous dispute regarding several unauthorized accounts that have been added to my credit report without my permission. Despite raising this issue, the following accounts remain inaccurately reported : XXXX XXXX XXXX ( Account No. XXXX ), XXXXXXXX XXXX XXXX ( Account No. XXXX ), XXXX ( Account No. XXXX ), XXXX XXXX XXXX ( Account No. XXXX ), XXXX XXXX ( Account No. XXXX ), and XXXX ( Account No. XXXX ). These accounts were never authorized by me, which violates 15 U.S.C. 1681b, requiring permissible purpose and authorization, and 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. Under the Fair Credit Reporting Act ( FCRA ), you are required to complete an investigation within 30 days ( 15 U.S.C. 1681i ), but this matter remains unresolved, and I have not received any explanation or results. Continuing to report these inaccurate accounts after notification constitutes a willful failure to comply with federal law under 15 U.S.C. 1681n, which may result in penalties of up to {$1000.00} per 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. 

According to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. 

As Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. 

Should you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. 

If you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. 

Thank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
In XXXX 2025, I reviewed my credit report from Experian, XXXX & Equifax and discovered numerous accounts reporting as collections, charge-offs, and delinquent even after disputes have been submitted in the past. These accounts included entries from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX. I have mailed a formal dispute letter to Experian under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). In this letter, I requested that Experian conduct a reinvestigation and immediately delete all unverifiable, inaccurate, or fraudulent accounts. I included identification documents ( Social Security card and drivers license ) with the dispute letter. The disputed accounts involved multiple balances As of today the information has not removed these items or provided any verification documents to substantiate their reporting. I believe they are in violation of the FCRA by continuing to report unverified or fraudulent accounts and failing to act promptly upon receiving my dispute.

I am seeking immediate deletion of these accounts and full compliance with the investigation and blocking provisions of the FCRA.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

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 2025-05-23 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: PA

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-23 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 


These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX statement is all portfolio recovery tactic not XXXX  that sold it to portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my credit.

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 2025-05-23 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: CA

Complaint narrative:
Re : XXXX DELETION REQUEST - FCRA FACTUAL DISPUTE ERRORS & METRO 2 non-compliance violations for account deletion, according to 15 USC 1681e ( b ) To whom it may concern : I am the victim of the EQUIFAX XXXX data breach. B elow is a list of FCRA, FDCPA, Metro2 and Regulation V non- compliance violations made by EQUIFAX : EQUIFAX is also in violation of FCRA and Metro2 willful non-compliance violations, and factual dispute errors, see attachments for proof of errors of inaccuracies and incompleteness, with other areas of concern, currently made by EQUIFAX below : Incorrect payment dates Wrong payment history information for XX/XX/XXXX when account is marked as charged off, and there was no payment made for XX/XX/XXXX. 

EQUIFAX has reported on on-time payment ( C ), XXXX has reported ( CC ), there was no payment made for XX/XX/XXXX. ( See attachments ) Incomplete account numbers Mismatching dates from Bureaus Mismatching date of last activity Mismatching first date of delinquency Wrong balances Please see attachments This account ( XXXX Account ) is incorrect and incomplete DELETE THIS ACCOUNT EQUIFAX AND XXXX have already deleted the incorrect address below, XXXX MUST also DELETE this I was looking over my report and I noticed the account listed ( XXXX Account ) are not showing maximum possible accuracy, according to 15 USC 1681e ( b ) - date last active is not accurate, also, this account is charged off with inaccurate payment history information that was reported for XX/XX/XXXX, EQUIFAX reported an ontime payment for XX/XX/XXXX, there was no payment made for that date. 

DELETE THIS ACCOUNT ( XXXX card member services ) immediately for violation of 15 U.S.C. 1681e ( b ) EQUIFAX is in violation of FCRA Consumer law, Metro2 non-compliance violations, FDCPA violations, Regulation V. violations. 

Please see attachments. 
DELETE XXXX ACCOUNT FROM MY CREDIT REPORT WITHIN ( 15 ) DAYS IMMEDIATELY, upon receipt of this complaint. THIS FEDERAL CFPB COMPLAINT WILL BE SENT TO MY ATTORNEY ASWELL, as I reserve the right to retain legal counsel against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-05-23 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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