vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( hereafter the Complainants ) regarding unlawful, deceptive, and harassing practices perpetrated by Credit Acceptance Corporation XXXX XXXX ) in relation to an automobile financing agreement for a XXXX XXXX XXXX  XXXX originally entered into around [ Insert purchase date, if known ]. 

The vehicle was voluntarily surrendered by the Complainants after hardship, and XXXX subsequently repossessed and resold the vehicle. Under applicable law, XXXX  was obligated to notify the Complainants of the sale and report the proper adjustment to the outstanding balance. Instead, XXXX  : -- - Summary of Violations and Misconduct : 1. Failure to Notify of Resale ( Violation of UCC 9-611 and 9-616 ) XXXX  failed to provide the Complainants with the required pre-sale and post-sale notices outlining the resale of the repossessed vehicle, which is required by law for accurate deficiency calculations. 

Uniform Commercial Code ( UCC ) 9-611 mandates notification of disposition ; 9-616 requires accounting for surplus or deficiency.

2. Failure to Update Credit Reporting Post-Resale ( Violation of FCRA 15 U.S.C. 1681s-2 ) CAC failed to report the resale to the credit reporting agencies, resulting in false and damaging entries on the Complainants credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), creditors must furnish accurate and complete information to consumer reporting agencies. 

XXXX  failure to update the Complainants accounts after resale may constitute willful or negligent reporting, a violation under FCRA 623.

3. Debt Collection Abuse and Harassment ( Violation of FDCPA 15 U.S.C. 1692 et seq. ) XXXX, through its agents or attorneys, is currently actively pursuing a legal judgment for approximately {$16000.00}, despite failing to report the vehicle 's resale or adjust the balance due.

This constitutes unfair and deceptive collection practices under the Fair Debt Collection Practices Act ( FDCPA ), including : Harassing litigation Attempting to collect a debt not properly validated or accounted for Misrepresenting the amount owed 4. Failure of Credit Bureaus to Conduct Proper Reinvestigation ( Violation of FCRA 15 U.S.C. 1681i ) The major credit bureausXXXX XXXX and XXXXfailed to correct the inaccurate reporting even after being disputed. 

Under FCRA 1681i, credit bureaus are required to conduct a reasonable reinvestigation when a dispute is filed.

5. Failure of CFPB to Intervene Timely ( Potential Violation of XXXX XXXX XXXX Reform Act ) As a consumer watchdog, CFPB is entrusted with oversight and enforcement against unfair, deceptive, or abusive acts or practices ( UDAAP ) under the XXXX  Act, which XXXX  may be in violation of.

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 2025-08-08 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ TRANSUNION ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX ; a Credit Card opened at XXXX on XX/XX/XXXX under the XXXX ; a Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX ; an Installment Account opened at XXXX XXXX on XX/XX/XXXX under the XXXX ; and an Installment Account opened at XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute a derogatory item being reported on my credit file that I believe to be inaccurate, unverifiable, or otherwise violative of federal law. I am requesting a complete investigation and prompt deletion of the following account under my rights outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Account Information Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$21000.00} This account is being reported with a significant balance and derogatory status, yet I have not received proper documentation or validation from the creditor. As such, under FCRA 611 ( a ) and 607 ( b ), I am demanding a full investigation and legal verification of this item. You are required to verify the accuracy and completeness of the item, not merely confirm it.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TX

Complaint narrative:
I made a transfer with XXXX on the XXXX of XXXX. The money was not remitted and after about XXXX hours I called them. They then disclosed to me that their local partner was having technical issues. I asked for a refund. This was on the XXXX. Why are they holding my money if they are going through a technical issue? If they have technical issues they should refund my money immediately and communicate with me, but they did not. They are now telling me to wait for XXXX to XXXX hours to process my cancellation. Why should I have to wait this long if they are having technical issues with their system?

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Cease and Desist & Immediate Removal of Unauthorized Credit Inquiries To Whom It May Concern, This is my formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and related state laws for the immediate removal of all unauthorized and/or unverifiable inquiries from my credit file.

After reviewing my credit reports, I have identified multiple inquiries that I did not authorize or that are not linked to any valid, permissible purpose as defined under federal law. These inquiries are damaging my credit score and were not initiated by me in connection with any credit transaction, employment consideration, insurance underwriting, or account review.

Pursuant to the FCRA, you are required to : Conduct a reasonable investigation to verify each inquirys legitimacy.

Provide me with documented proof of my written consent for each inquiry within 30 days of receiving this letter.

If you can not provide such proof, remove these inquiries from my credit report immediately. 

Additionally, this letter serves as a cease and desist notice prohibiting any further unauthorized release of my personal credit file without my express written consent. Any continued noncompliance will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I request written confirmation from you once the inquiries have been deleted. 

Sincerely, 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 2025-08-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Purchased gift card from XXXX and deposited {$500.00} on XX/XX/year>. Card advertised safe for shopping online. After purchasing I attempted to utilize card to make online purchases and the transaction always came back with issues, errors, declined. I was unable to make any online purchase. I called the company and they stated they put a Hold and insured it would be released by XX/XX/year>. Almost a month later the hold has not been removed and the funds are not available to use. I reached out to XXXX and they were unable to resolve considering the funds stolen by the company Secure Spend. Please assist with resolving the matter and retrieving funds.

'

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

Complaint narrative:
I'm not accountable for these accounts ; per USC 1681g, they should be removed in 15 days.

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 2025-08-08 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:
I dont own these accounts, and under USC 1681g, they must be gone in XXXX  days.

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 2025-08-08 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: PA

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains a fraudulent account that I never opened, authorized, or approved. I have no relationship with the reporting creditor, and the account is the direct result of unauthorized use of my personal information. This false reporting is causing damage to my financial reputation and must be addressed without delay.

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 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I vacated my apartment in XX/XX/year>. At the time of move-out, I was verbally informed by the apartment staff that everything was settled and there were no outstanding charges. I was not given any final bill or receipt, nor was I informed of any balance due. 

Several months later, I noticed a collection remark on my credit report. Upon contacting the collection agency, I was told there was an outstanding charge foXXXX XXXX XXXX. This was the first time I heard about this charge. I was never contacted by the XXXX  or the collection agency via email, mail, or phone regarding this debt before it was reported to the credit bureaus. They were unable to provide any record of notices or communications sent to me prior to reporting the account to the credit bureaus. 

This has negatively impacted my credit, and I believe it is unfair to report a collection without giving me any prior notice or opportunity to pay. I am requesting that this entry be removed or investigated, as I was not informed of the debt and had no opportunity to resolve it. This was a very nominal amount for {$260.00} which I immediately paid once I came to know about the debt. 

Apartment Details : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Collection Agency : Pro Collect Inc

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 2025-08-08 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: DC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXXXXXX 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 2025-08-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX of XXXX, my mom suffered a XXXX and nearly died. When she regained consciousness and some of her faculties, she signed a POA giving me the ability to act on her behalf. She made several physical gains, including learning how to XXXX. However, her cognitive abilities have continued to decline. We have been able to support her in her home. We have caregivers there at least four hours per day that I am not there to help. To continue to support her at home, we took out a reverse mortgage loan on her house. The loan was done through XXXX XXXX XXXX XXXX and XXXX XXXX  and then turned over to PHH Mortgage. We have not received a single piece of paperwork ( email, snail mail, etc. ) from XXXX or PHH. I have called them many times and have spoken to several of PHH 's representatives for a total of several hours including a 21-minute call today ( XX/XX/XXXX ). Despite having sent the POA to PHH at this address a couple of times, starting on XX/XX/XXXX, XXXX, and to this address - XXXX on XX/XX/XXXX, PHH continues to say that they do not have it, or sometimes they say it is not a valid or complete Power of Attorney, and one time they said it did not have a " wet signature ''. Because they do not recognize the POA, we have no access to the loan, no paperwork, and no online ability to see the balance and otherwise manage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received an email from XXXX attempting to collect a debt in the amount of {$990.00}. The account information and name provided in their communication do not match my identity. I have no knowledge of or responsibility for this debt. 

I sent the company a certified letter on XXXX  after responding to the email to disputing the debt in its entirety and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I also requested that they cease all contact until proper documentation is provided. 

This collector has obtained and used my personal email address and other sensitive account-related details despite having no accurate identification linking me to the debt. If they report this debt to credit reporting agencies, it will be a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

I request that the CFPB investigate and require this company to provide documented proof of the alleged debt or cease all collection activities and data reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 2025-08-08 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: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

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

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief