vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
I am reporting that Experian has repeatedly reinserted a previously deleted XXXX account after I submitted an identity theft report and supporting documentation. The account was deleted originally due to identity theft. Despite this, Experian has reinserted it multiple times, claiming it was verified by the creditor, which is false and misleading. 

I requested the federally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) / 15 U.S.C. 1681i ( a ) ( 7 ). Experian refused, stating : We can not provide this to customers. 

Experian representatives also attempted to push me to : Contact the creditor ( which is not required by law ) Open a new dispute ( which I did not authorize ) These actions violate the FCRA, including : 611 ( a ) ( 5 ) improper reinsertion of previously deleted account 611 ( a ) ( 7 ) failure to provide Method of Verification 611 ( a ) ( 1 ) failure to conduct a proper reinvestigation 611 ( a ) ( 6 ) opening unauthorized disputes I have documented each interaction with Experian, including : Dates and times of calls Representative names Exact statements refusing MOV and attempting to push disputes Proof that the account was deleted previously Experian has reinserted the same account multiple times, falsely claiming it was verified by the creditor without providing any evidence or Method of Verification. This demonstrates repeated noncompliance with federal law. 

Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification for the XXXX account, including : XXXX. The name and contact information of the person who verified the account. 
XXXX. The method used to verify the account ( phone, email, automated system, etc. ). 
XXXX. The procedures followed by Experian during the reinvestigation. 
XXXX. The information relied upon to verify the account. 
XXXX. The date the verification was completed. 

This request is not for the creditors internal documents but for Experians Method of Verification, as required by law.

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 2025-11-18 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: NJ

Complaint narrative:
I am submitting this dispute to correct inaccuracies in my credit report. The following accounts are inaccurately reported and need to be investigated and corrected promptly. 

Charged Off Accounts : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/2019 Balance : {$160.00} XXXX  XXXX Account Number : XXXX * * * * Date Open : XX/XX/2019 Balance : {$330.00} Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX * * XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Several months ago Synchrony Bank issued me a XXXX XXXX that I did not request and cancelled my original XXXX XXXX Account that I have had for almost 25 years thus breaking the Federal Truth in Lending Act. 

They refuse to reverse my Account back to my original XXXX XXXX Account. 

And to add more to this, I never received the Credit Card so I have no idea what the number is. 


An additional issue that the card is not properly attached to my XXXX Account and I don't any usage of the card from 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 2025-11-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several entries on my Experian credit report. Upon reviewing the report, I believe the information listed is either incorrect or incomplete. These discrepancies may involve FCRA violations and possible data breach concerns. 
Personal Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> SSN : [ Last XXXX digits : XXXX ] Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Disputed Accounts : XXXX. XXXX XXXX XXXX o Account Number : [ Insert Account Number ] o Original Creditor : XXXX  XXXX o Status : Charge-Off o Balance : {$3800.00} o Reason for Dispute : The account was reported incorrectly, violating Section 1681i of the FCRA as it does not reflect accurate account status and payment history. 
XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] o Status : Open o Comments : " Credit line suspended '' o Reason for Dispute : The suspended status was not reported in a timely manner, breaching the FCRA requirement for accurate and updated reporting. 
XXXX. XXXX XXXX XXXX  XXXX  o Account Number : [ Insert Account Number ] o Status : Collection o Reason for Dispute : The report inaccurately reflects past due amounts that were previously settled. This could violate Section 1681e ( b ) of the FCRA. 
FCRA Violations : Failure to update payment statuses in a timely manner. 
Inaccurate account reporting related to suspensions and charge-offs. 
Possible mishandling of sensitive account information, raising concerns over data protection and breach violations.

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 2025-11-18 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX is reporting inaccurate, incomplete, and unverified information on my credit report. I have attempted to dispute this information through the credit bureaus, but XXXX XXXX continues to report incorrect data, and they have not provided proper validation. 

Details : I previously financed a vehicle through Credit Acceptance Corporation. The account is reporting negative information that is inaccurate and does not match my records. Additionally, XXXX XXXX has been involved in lawsuits related to unfair, deceptive, and abusive lending and reporting practices, which raises further concern regarding the accuracy of their reporting. 

I submitted disputes to the credit bureaus requesting validation and correction of this account. However : XXXX XXXX did NOT provide proper verification. 
They did not supply any original contract, payment history, or proof that the information is correct. 
They continued to verify the account without investigating properly. 
The reporting appears incomplete, inaccurate, and outdated, violating the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 602, 604, 609, 611, and 623, data furnishers and credit bureaus must ensure : Maximum accuracy Reasonable investigation Proper response to consumer disputes No unverifiable or outdated information XXXX XXXX has failed to meet these obligations. 

What I Am Requesting : I am asking the CFPB to require XXXX XXXX to : XXXX. Conduct a full investigation into the accuracy of the account reporting. 
XXXX. Provide complete validation, including original signed contract, payment history, and charge-off details. 
XXXX. Delete the account entirely from my credit reports if they can not provide documented proof within the required timeframe. 
XXXX. Stop reporting unverified, incomplete, or inaccurate information to Experian, Equifax, and TransUnion. 

Consumer Harm : The continued inaccurate reporting by XXXX XXXX is : Lowering my credit score Affecting my ability to secure housing Increasing my cost of credit Hurting my financial stability Violating my rights under federal law I am requesting immediate regulatory assistance.

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 2025-11-18 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: TX

Complaint narrative:
I am disputing several hard inquiries on my credit report that I did not authorize. I never applied for credit with those companies, and these inquiries were not made by me. I already contacted the credit bureaus, but the inquiries were not removed. I am requesting a proper reinvestigation and the deletion of any inquiry that can not be verified as mine, as required under the FCRA. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing several hard inquiries on my credit report that I did not authorize. I never applied for credit with those companies, and these inquiries were not made by me. I already contacted the credit bureaus, but the inquiries were not removed. I am requesting a proper reinvestigation and the deletion of any inquiry that can not be verified as mine, as required under the FCRA. 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 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

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 2025-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I looked at my Experian 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I asked for verification and validation of a debt that keeps getting resold. None of the companies send me what I requested and only sell off to next company.

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 2025-11-18 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My complaint is not about whether a XX/XX/XXXX payment was XXXX  days late. 
The dispute is about the current inaccurate reporting caused by Hondas internal system suppression. 

XXXX failed to address or resolve the following ongoing problems : XXXX. XXXX is falsely reporting my open auto loan as closed. 
XXXX  shows the XXXX account as closed, with a false XXXX late in XX/XX/XXXX. 
TransUnion shows the XXXX account as closed, with a false close date of XX/XX/XXXX the account has never been closed. 
I am still paying on this loan. The account is active. 
XXXX did not address or fix this major reporting error. 

XXXX. TransUnion and Equifax show conflicting and inaccurate information. 
XXXX different closed dates. 
Different late-payment months. 
Different status codes. 
This is a direct violation of accurate furnishing requirements. 

XXXX. Multiple months are reported as unknown, even though I paid on time. 

My payment history displays multiple unknown months when I have bank proof that I paid every month. 
Unknown status reporting is considered incomplete/inaccurate under FCRA. 

XXXX ignored this part of my complaint entirely. 

XXXX. XXXX claims they sent updates to the bureaus on XX/XX/XXXX but the bureaus have not corrected anything. 

If the updates were actually sent, then : They were incorrect, or XXXX sent incomplete data, or XXXX failed to follow reinvestigation obligations. 

Their response did not explain this or provide evidence. 

XXXX. XXXX admitted to system enhancements that suppressed accounts but refused to explain how this affected my reporting. 

XXXX acknowledged that their system enhancements suppressed certain accounts, including mine, but they falsely claimed it did not affect payment reporting. 
The XXXX data proves the opposite. 

XXXX. XXXX did NOT perform a reasonable investigation. 

Hondas CFPB response focused only on a XXXX late payment. 
They completely ignored the actual dispute, which violates : FCRA 623 ( a ) ( 2 ) : Duty to investigate disputed information FCRA 623 ( a ) ( 1 ) : Duty to report accurately and not furnish incomplete or misleading data FCRA 623 ( a ) ( 8 ) : Reinvestigation requirements XXXX never explained : The false closed status The conflicting closed dates The false XXXX late The unknown months Why the bureaus are reporting inconsistent data Why their updates did not fix anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-18 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: TX

Complaint narrative:
I am filing a dispute regarding inaccuracies on my credit report. The following accounts are inaccurately reported, and I request immediate investigation and correction. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00}

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 2025-11-18 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief