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: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and inconsistent information being reported on my credit report by [ Credit Acceptance Comp ]. 

I recently received a deficiency statement indicating a balance of {$7000.00} on my account. However, upon reviewing my credit report, I noticed that a different amount is being reported. This discrepancy is concerning and raises serious questions about the accuracy and integrity of the information being shared with credit reporting agencies. 

I have contacted the company in question and requested a thorough investigation into this matter. I expressed my concern that reporting inaccurate financial data not only misrepresents my financial obligations but also adversely affects my creditworthiness. 

In light of the above, I respectfully request that the CFPB investigate this issue. I also request that this account be reviewed for potential removal from my credit report, as the information currently being reported is not consistent with the documentation I have received. 

I would like this matter resolved without escalation ; however, if necessary, I am prepared to pursue all available remedies to ensure the accuracy of my credit information. 

Attached to this complaint are relevant documents, including the deficiency statement and a copy of the portion of my credit report that shows the conflicting balance. 

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

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 — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
The notoriously XXXX bank, Marcus bank, did not transfer my CD money, today ( date of maturity, XX/XX/year> ) to XXXX XXXX, as requested. I needed this money very badly today for my medical expenses.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TO : TRANSUNION LLC XXXX XXXX XXXX XXXX, PA XXXX FTC REPORT XXXX : XXXX ATTN : LEGAL DEPARTMENT RE : Accounts for investigation XXXX  verification I am writing again XXXX you because I have been monitoring my credit report for any changes since my previous dispute letter, but until now, I have not seen the updates that I asked for. 

I am assuming that you did not conduct the investigation, so now I am requesting that you do the proper investigation XXXX I would like XXXX know the measures you took XXXX reasonably investigate the accuracy XXXX completeness of the information on these accounts as stipulated by XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). I would like XXXX  know the business name of the data furnisher, their address, phone number XXXX the detailed description of the method of verification you used. 

Please pay attention XXXX the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This lender is in direct violation of the FCRA because I was never properly notified of any late payments in writing. No emails. No letters. XXXX I am aware that they can not use the Initial Disclosures as proper notification. Please remove immediately since I was never properly notified or block the payment history permanently. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported XXXX my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my XXXX XXXX XXXX  credit profile. These disputes needs XXXX  be investigated XXXX  resolved asap. Please review XXXX  remove all listed items reported XXXX my dispute filing ASAP.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: AL

Complaint narrative:
I was sent a letter via regular mail stating I qualified for the XXXX program with the VA. When I contacted the mortgage company to submit approval, they informed me that the program ended on XX/XX/year> and I would have to see about other arrangements. I received loan modification documents making my mortgage payments {$3700.00} monthly. I spoke with my VA loan technician today and was informed that the XXXX program did not end until XX/XX/year>. I contacted LoanCare in XXXX way before this deadline and was provided incorrect information when I could have went through this program and wouldn't be in this situation currently.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
account should not be currently reporting on my credit, until situation is resolved asking for a removal of tradeline from report. Creditor has agreed to suppress reporting. I've attached letter from creditor. For some reason i wasnt able to dispute this on your website. This account is 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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am receiving a debt collection letter from Resurgent Capital Services for a XXXX XXXX XXXX account, despite having fully paid and settled this debt through a debt settlement program with XXXX XXXX XXXX XXXX 

My total payments XXXX  XXXX were {$13000.00}, XXXX the total amount settled with all creditors was {$11000.00}, including the XXXX XXXX XXXX account ending in XXXX. XXXX confirmed the settlement, XXXX all required payments were completed. 

On XX/XX/XXXX, XXXX sent me a new collection notice claiming I still owe this debt, even though it was already resolved. I contacted XXXX XXXX XXXX XXXX XXXX by email on XX/XX/XXXX, XXXX XX/XX/XXXX, and sent certified letters requesting clarification, refund of the overpayment, and an official payoff statement. As of today, I have not received any response. 

This is causing emotional distress and appears to violate the Fair Debt Collection Practices Act ( FDCPA ) as it is an attempt to collect a debt that was already settled and paid.

I request that CFPB investigate and require the companies involved to stop this collection and return the overpaid amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am reopening my claim against XXXX. I got billed with an added {$15.00} late fee although I am never late, XXXX on auto pay! Then the next bill the add another {$15.00} late fee on top of the total bill from the last bill. If my bill is {$500.00} for instance they will charge me a {$15.00} late fee, then the next time they bill me they will say the bill was {$510.00} the last time XXXX add another {$15.00} fee so it goes up {$15.00} for the actual bill every month! We are seniors on a SS check, I think trying XXXX steal our house or force us into foreclosure is unspeakable!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$380.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$16000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$16000.00}

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: MO

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Self Financial Inc.
State: LA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX - I paid {$90.00} on my Self XXXX XXXX card & left with with {$71.00} after making payment. No explanation as to what happened to {$19.00}. 

XX/XX/scrub>XXXX XXXX XXXX  - I tried to make a purchase & it declined because my card is inactive ( I can not get answer as to why my card is inactive. There are no fraud threats, no fraud charges, nothing )

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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and i notice several inaccuracies accounts. this accounts is hutting my ability to obtain credit. Please remove all inaccuracies from my credit 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
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: TX

Complaint narrative:
I recently review a copy of my credit report and i notice several inaccuracies accounts. this accounts is hutting my ability to obtain credit. Please remove all inaccuracies from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$970.00} to XXXX XXXX XXXX as a full and final compromise for a debt originally owed to PayPal Credit/Synchrony Bank and previously managed by XXXX XXXX XXXX XXXX XXXX informed me they had purchased the debt from XXXX and were now the rightful owner. I selected the 45 % settlement offer from XXXX online portal and submitted payment. They later provided a settlement letter confirming that my account was accepted as resolved in full. 

Since making the payment, XXXX has deactivated my account portal, which now displays account not found when I try to log inindicating the account has been closed and the balance resolved. However, XXXX XXXX is still reporting this debt to the credit bureaus as if it is active and unpaid, despite no longer owning the account. This is inaccurate and creates a misleading and harmful entry on my credit report. 

I also received a letter from XXXX XXXX before the payment was made, promising that if payment in full was received, they would request deletion of the account from the credit bureaus. However, this letter became invalid once the account was sold to XXXX. I never received a clear explanation that this deletion agreement no longer applied or that XXXX XXXX would continue to report the debt even after selling it. 

To be clear : I settled the debt in good faith with the company who legally owned it ( XXXX ). 
XXXX acknowledged this in writing. 
XXXX XXXX no longer owns the debt and should not be reporting a balance. 
The account now appears to be resolved and closed on XXXX side, yet my credit still reflects an active derogatory tradeline. 

I am requesting that : 1. XXXXXXXX XXXX tradeline be immediately updated to reflect a {$0.00} balance and be marked as sold/closed. 
2. If possible, that the tradeline be removed entirely due to conflicting ownership and settlement reporting. 
3. Credit bureaus be informed by all involved parties that the debt is resolved and should no longer negatively affect my credit report. 

I have attached proof of payment, settlement confirmation from XXXX, the XXXX XXXX pay-for-delete letter, and screenshots of the XXXX payment portal. Please review this complaint urgently and help me resolve this unfair and confusing situation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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