vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I applied to get an apartment and I realized I had damages on my credit report and according to 15 U.S.C. 1681, there should not be any damages on my report and if there is, this is defamation of my character. I never once received any letter ( s ) about these account or information pertaining to said accounts. These accounts are hendering my progress to obtain credit.

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 status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I contacted CAINE & WEINER about said account. I was told that account is closed and I do not owe anything and was told item will be removed from my credit report and that has not happened and is causing harm. 


CAINE & WEINER, ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) YOU ARE IN TOTAL VIOLATIONS OF MY RIGHTS. YOU ARE PRODUCING INACCURATE, FALSE CREDIT, AND MISLEADING REPORTS THAT WILL CAUSE HARM TO MYSELF. SUCH A VIOLATION WILL LEAD TO BOTH CIVIL AND CRIMINAL PENALTIES AGAJNST YOU. PLEASE REMOVE 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I financed a XXXX  XXXX XXXX XXXX. XXXX  through American credit acceptance. 
The total amount financed was XXXX My payment history is as follows.. 
XX/XX/XXXX {$520.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I had a motorcycle accident in XXXX and the Motorcycle was deemed a total loss. 
Working with my insurance company I made a decision to keep the Motorcycle for a payment of {$13000.00} to be paid to American credit acceptance. 
In XXXX, I made several payments to catch up for the months of XXXX and XXXX. 
After further inspection from the XXXX XXXX dealership, they found that the frame was bent and told me it was in my best interest to try to reverse the decision of keeping the Motorcycle. 
My insurance allowed me to do so and I contacted American credit acceptance and they told me my payoff amount was {$21000.00} which is more than I originally financed. 
My insurance company has been trying to contact American credit acceptance so they could get to pay off amount and send them a check for the remaining balance. They have been giving my insurance company the runaround they lied and said they have already sent me the title. 
I spoke with them today and they acted as if they never said any of that to my insurance agent. With all of that being said they tacked on over {$3000.00} to my payoff amount. 
I need help!

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: DISCOVER BANK
State: CA

Complaint narrative:
according to 15 usc 1681 of the fair credit reporting act companies are to get consumers permission to disclose personal information to 3rd parties as well as data furnishers regarding reporting consumers personal information. these companies never disclosed this information to me, and fraudulently disclosed my information to 3rd party data furnishers XXXX XXXX, XXXX, XXXX. This is a violation of the FCRA as well as my rights as a consumer. I want all of these fraudulent accounts deleted from my credit reports immediately.

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: CITIBANK, N.A.
State: CA

Complaint narrative:
according to 15 usc 1681 of the fair credit reporting act companies are to get consumers permission to disclose personal information to 3rd parties as well as data furnishers regarding reporting consumers personal information. these companies never disclosed this information to me, and fraudulently disclosed my information to 3rd party data furnishers XXXX XXXX, XXXX, XXXX. This is a violation of the FCRA as well as my rights as a consumer. I want all of these fraudulent accounts deleted from my credit reports immediately.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They did but update the information after I disputed the validity of their information.

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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
They did but update the information after I disputed the validity of their information.

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

Complaint narrative:
I am filing a subsequent complaint concerning the accounts listed on my credit report. Following a thorough examination of my records, I am firmly convinced that these accounts have been inaccurately reported, resulting in a detrimental impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I paid my Bank of America credit card statement balance in full manually on XX/XX/year>XXXX  for {$33000.00}, ahead of the due date. A second paymentscheduled via AutoPayremained pending. I contacted BoA to revoke authorization for that payment while it was still pending, and submitted a written notice via secure message on XX/XX/XXXX. 

I was told the payment could not be canceled, and that it would still go through, even though I had already paid the full amount manually. My funding institution ( XXXX ) confirmed they could not block the pull. This leaves me concerned that BoA is attempting to process a duplicate payment I explicitly attempted to prevent. 

I was also spoken to condescendingly about my lack of experience and what one employee ( XXXX ) insisted was my confusion. I found the employee condescending and rude.

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 monetary relief
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your CFPB complaint is about inaccurate credit reporting by XXXX XXXX ( XXXX ) on a charged-off account.

The account was charged off in XX/XX/XXXX, but XXXX XXXX is still reporting a past due amount every month, including as recently as XX/XX/XXXX Why its a problem : Under the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers like XXXX XXXX must report accurate and complete information to credit reporting agencies. 
A charged-off account should not continue to accrue new delinquencies or report monthly past due balances doing so misrepresents the account status. 
This could be considered re-aging the debt, which is not allowed under federal law.

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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I reviewed my credit reports from XXXX XXXX, and XXXX  and found multiple, clear inconsistencies in the reporting of my Santander auto loan. The reported Date Opened, Last Reported Date, Account Status, Comments, and Number of Months ( Terms ) are different across the three bureaus. 
Example : XXXX  lists Date Opened as XX/XX/XXXX, while XXXX  and XXXX  list XX/XX/XXXX. 
Last Reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, but XX/XX/XXXX for XXXX, suggesting re-aged or inaccurate reporting. 
Term length is reported as 60 months by XXXX  and XXXX  but as 0 months by XXXX. 
I previously disputed this with the credit bureaus and Santander, requesting verifiable source documentation for each data point. The account was returned as verified without providing proof. These conflicting details violate FCRA 607 ( b ), which requires maximum possible accuracy. 
I am requesting that the inaccurate data be corrected across all bureaus or the account be deleted if the furnisher can not provide documented proof of accuracy.

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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport. 
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 2025-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding eight ( 8 ) inaccurate, outdated, and unverifiable entries currently reported by Dept of EdXXXX XXXX XXXX ) on my Experian credit report. These same accounts have already been removed by both XXXX  and XXXX, confirming that they are either inaccurate or can not be verified. 

Your continued reporting of these accounts violates FCRA 602, which requires credit reporting agencies to ensure maximum possible accuracy, and 611, which mandates deletion of unverifiable or disputed information within the statutory timeline. 

I am demanding the immediate deletion of these eight ( 8 ) accounts within 72 hours of receipt of this dispute. 

Disputed Accounts ( as of XX/XX/year> ) : DEPT OF ED/XXXX  Late Payment Balance : {$2000.00} DEPT OF ED/XXXX  Late Payment Balance : {$1000.00} DEPT OF ED/XXXX  Late Payment Balance : {$1800.00} DEPT OF ED/XXXX  Late Payment Balance : {$3600.00} DEPT OF ED/XXXX  Late Payment Balance : {$1800.00} DEPT OF ED/XXXX  Late Payment Balance : {$1800.00} DEPT OF ED/XXXX  Late Payment Balance : {$130.00} DEPT OF ED/XXXX  Late Payment ( Balance and date pending ) If these inaccurate accounts are not removed within 72 hours, I will pursue legal action under : FCRA 616 ( civil liability for willful noncompliance ) FCRA 617 ( civil liability for negligent noncompliance ) I will also proceed with : Further complaints filed with the Federal Trade Commission ( FTC ) Reporting to the State Attorney General 's office Public documentation of this complaint through the CFPB This dispute is e-OSCAR compliant and will be monitored through the CFPB dispute resolution portal. 
I expect written confirmation of permanent deletion once the re-investigation is complete. 

Failure to remove these accounts within 72 hours will result in immediate legal action.

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:
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Americor Funding, LLC
State: WA

Complaint narrative:
I entered into a debt repayment agreement with Americor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid all deposits to Americor on the dates specified in the agreement. Two years later, without any notice or guidance, they attempted to withdraw my funds via automatic transfer from my bank account. Upon learning of this, I visited my bank to block the payments and canceled the transactions Americor attempted to withdraw.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account.

The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed 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 2025-08-08 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: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account.

The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$2000.00} by a merchant claiming to offer a spiritual cleanse involving XXXX XXXXXXXX XXXX XXXX XXXX None of these services were ever performed. I canceled further services on XX/XX/XXXX and have screenshots of this request. 

I disputed the charge with Citi, and a temporary credit was issued while they investigated. However, Citi denied the dispute based solely on the merchants refusal to refund. I was never given a chance to respond to the merchants evidence or to submit mine. 

Citi claims I missed a XX/XX/XXXX deadline for additional documents. I received no email or phone alertonly a letter buried in the app, which did not notify me. I rely on email due to a recent move and work long hours in a correctional facility without phone access. I called Citi on XX/XX/XXXX and was told the chargeback was still pending. No deadline was mentioned during that phone call. 

I have repeatedly asked Citi to show me the merchants submitted evidence and allow me to respond, but they have not provided this. The process was not fair, transparent, or compliant with Regulation Z. I am asking the CFPB to help ensure a proper reinvestigation.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted regarding an inaccurate late payment reporting on my credit report. I have always fulfilled my financial obligations on time, and this negative mark is unwarranted.

Company response to consumer: Closed with explanation