vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and requests that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ) opened on XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX opened XXXX XX/XX/XXXXXXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and were not opened or initiated by me. I have attached a copy of my consumer FICO credit report, as well as an FTC Identity Theft Report # ( private case number ) for validation.

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 2025-05-21 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Thank you.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding a false and misleading tradeline reported by Credit Acceptance Corporation. They are not the original lender of my auto loan ; the original loan was with XXXX XXXX. I voluntarily surrendered the vehicle in XX/XX/XXXX after it broke down six hours away from home, and I was unable to tow it back. The decision to surrender the car was not due to financial irresponsibility, but because the vehicle became inoperable. Years later, Credit Acceptance purchased the debt and began reporting it as if I originated the loan directly with them. They falsely list the account as opened and closed in XXXX  and show the loan as paid on time, when in fact the vehicle had already been voluntarily repossessed in XXXX. They also inaccurately state the loan term as 60 months when it was originally a 72-month agreement. This misrepresents the nature of the debt, resets the reporting timeline, and makes it appear as if I acquired a new loan through Credit Acceptance, which is entirely false. The original XXXX account is scheduled to fall off my credit report in XX/XX/XXXXXXXX  after the 7-year credit reporting limit, yet Credit Acceptance is now reporting the same debt as new and extending the reporting date to XXXXthis is a clear violation of the Fair Credit Reporting Act ( FCRA ) due to re-aging. Additionally, I asked Credit Acceptance to provide proof that I ever signed a contract or agreement with them directly, and they refused to provide any such documentation. This refusal to validate the debt further supports that the account is being falsely reported. I am requesting a full investigation and immediate removal or correction of 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding an issue with XXXX XXXX related to the loan for my property located at XXXX XXXX XXXX XXXX XXXX. XXXX attempted to take the XXXX 2025 loan payment but was unsuccessful. However, I was never notified about this missed payment. Despite having my email address on file, XXXX XXXX failed to reach out to me regarding the XXXX 2025 payment issue. 

To make matters more confusing, payments for XXXX and XXXX  2025 were successfully processed, but the XXXX payment was never taken. This has led to a negative impact on my credit report and my FICO score, which I believe is unjust considering the lack of communication and proactive measures on XXXX 's part. 

As a result, my credit report shows the following error : XXXX balance : {$410000.00} Payment amount : {$2300.00} I kindly request that the Consumer Financial Protection Bureau look into this matter and assist in rectifying these errors on my credit report. I also request that the impact on my FICO score be corrected, as this situation is the result of XXXXXXXX XXXX XXXX failure to effectively communicate with me. 

Please let me know if any further information is required to help resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX -- Account number : XXXX 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 any 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 of 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
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX multiple ) opened between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXXXXXX  These accounts were not opened by me and are the result of identity theft. I have attached a copy of my consumer credit report showing these items and a valid FTC Identity Theft Report # ( private case number ) as supporting documentation.

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 2025-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: NY

Complaint narrative:
This debt isnt mine. 
I sent several letters to the company. 

Then the company decided to sell the account before providing me with any documentation Then this company. ( mohela ) has no record for me but are reporting on my credit report. 

Mohela Was asked for documentations but never sent me anything. 

So I did a follow up call, they tell me to call another company that they dont have record for me. 
I just want it deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 contacted Experian, TransUnion, Equifax. I explained to them that I haven't applied for credit in over XXXX  years. I also told them I had a credit freeze and lock and had a note on all XXXX  bureaus to call me if anyone 's trying to get credit in my name. Experian I have XXXX inquiries, TransUnion XXXX inquiries Equifax XXXX inquires. None of these are mine

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: ME

Complaint narrative:
On XX/XX/year> I received a notification from one of my credit cards that my credit score had dropped XXXX points from XXXX to XXXX. With utter shock I did some digging and found that I had a delinquent report from a company called Mohela, a company I had not heard of or from. After calling I found that I had a student loan through them. I attended university for one year and have been paying double for month through what I believed to be my sole lender, XXXX. After speaking to a representative at Mohela I quickly learned that they did not have an accurate phone number or address and had not made contact with me. I have never had a late payment and have worked very hard to work my credit score and because I had never heard from Mohela I never knew I had this debt. Once learning I instantly paid my past due debt and am current on that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency Name AMEX Collection Agency Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXXXXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate and potentially unverifiable XXXX XXXX Bankruptcy still appearing on my Equifax credit report under Reference Number : XXXX. I have disputed this item previously, requesting that Equifax provide a thorough reinvestigation and verification from the original court source. Instead, Equifax responded with canned language and failed to produce any certified documentation from the bankruptcy court itself. The continued presence of this public record raises serious compliance concerns and calls into question the bureaus ability to maintain accurate reporting in accordance with federal law. This entry has had a significant and ongoing impact on my creditworthiness, and I have every right under the FCRA to demand that Equifax either verify the record with original documents or remove it entirely. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light troubling practices by Equifax involving the failure to conduct proper investigations. As outlined in the lawsuit filed by the CFPB, Equifax has been accused of engaging in sham investigations, violating its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a timely and reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681i ( a ) ( 5 ), any data that is inaccurate, incomplete, or can not be verified must be deleted. Equifaxs continued reliance on third-party vendors or automated systems for verificationwithout validating information directly with the courtsis a breach of their legal duty. If they can not confirm this bankruptcy through the appropriate and original source, then they have no legal basis to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I went to the bank of America ATM to do a cash deposit of XXXX. The ATM took my deposit and cancelled our without giving a receipt or my money in my account. I have been told it could take up to 45 days. This was my rent money.

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