vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Transunion

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 2025-07-22 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: TN

Complaint narrative:
I was violated as a federal protected consumer I reached out to the collections companys over XXXX  days ago to get a copies of the 1099 c. These following compaines also are reporting inaccurate credit reporting which all items must be reporting accuratly and if not must be delete and chargerd offs according to the irs publication certificate of indebtedness which considered income and must not be report to the credit agencies and I never gave permission to transfer or sale my personal information to XXXX party companies which also is a potential case of identity thrift and I have been injured of my being able to pursuit my life liberty and happiness. 
FCRA, ECOA, HJR192 Articles 3,9 UCC 15 U.S. Code 1681b ( a ) 2 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681b ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I was violated as a federal protected consumer I reached out to the collections companys over XXXX  days ago to get a copies of the 1099 c. These following compaines also are reporting inaccurate credit reporting which all items must be reporting accuratly and if not must be delete and chargerd offs according to the irs publication certificate of indebtedness which considered income and must not be report to the credit agencies and I never gave permission to transfer or sale my personal information to XXXX party companies which also is a potential case of identity thrift and I have been injured of my being able to pursuit my life liberty and happiness. 
FCRA, ECOA, HJR192 Articles 3,9 UCC 15 U.S. Code 1681b ( a ) 2 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681b ( a ) ( 2 )

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have been contacted atleast XXXX to XXXX times a day from different phone numbers but its the same company theyve left voicemails upon voicemails the earliest they call is XXXX up until about XXXX and they use over XXXX of different phone numbers

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 2025-07-23 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: NC

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you to dispute a fraudulent account reported under my identity. This account was not authorized or created by me, and I consider its inclusion to be a serious misrepresentation.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Dispute of Inaccurate and Incomplete Account Information Security Finance Account # 1972 This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.

Code 1681i, regarding inaccurate and incomplete reporting of a XXXX XXXX account on both my Equifax and TransUnion credit reports. 
Disputed Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX TransUnion XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Page XXXX of XXXX ) : First Date of Delinquency : Not reported " Date this item will be removed '' : Not reported Payment History : 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX TransUnion Credit Report ( Dated XX/XX/XXXX Page XXXX of XXXX ) : Maximum Delinquency : 30 days in XX/XX/XXXX and XX/XX/XXXX for {$150.00} Other dates and delinquencies do not match Equifax 's data Dispute Summary : This account is reported with missing critical data ( such as the first delinquency date and purge date ) on Equifax, and with inconsistent delinquency history between the two credit bureaus. This contradicts the FCRAs requirement for consumer reporting agencies to maintain complete and accurate information, and to remove obsolete negative data after seven years from the date of first delinquency, as specified in 15 U.S. Code 1681c.

Action Requested : Initiate a formal reinvestigation of this account under 15 U.S. Code 1681i Correct or delete any inconsistent and incomplete reporting Provide the correct first date of delinquency and removal date Respond with a written confirmation of the results within the 30-day period required by law I reserve the right to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue all remedies available under the law, including statutory damages for failure to maintain accurate records. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Credit Systems International , Inc. ( XXXX  ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/XXXX or XX/XX/XXXX, I mailed XXXX a debt validation letter via certified mail disputing an alleged utility bill associated with my former apartment complex. In this letter, I also clearly stated that they were to cease all contact with me regarding this alleged debt. 

XXXX later acknowledged my letter and confirmed in writing that the debt would be removed from my credit reports and no further action would be taken. However, despite this, the same alleged debt was later transferred or sold to another debt collection agency : XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. 

I also mailed a debt validation and cease communication letter to XXXX XXXX XXXX, but this practice of passing the debt to another agency after I disputed and requested no contact is not only harassment but a clear violation of the FDCPA. 

By acknowledging my cease communication request and then allowing the debt to resurface through another collector, XXXX is engaging in continued illegal collection activity. This is deceptive, unfair, and unlawful. I now have to repeatedly defend myself and dispute the same invalid debt, causing undue stress and harm. XXXX is now re-attempting to collect an unverified and invalid debt after 2 years of me telling them to stop contacting me. 

I am requesting the CFPB investigate this matter and compel XXXX and any related agencies to immediately cease all collection efforts related to this alleged debt and confirm that it will not be sold or reassigned again. 

I am also requesting the removal of any reporting or notes to credit bureaus associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to properly investigate or correct inaccurate and unauthorized information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Over the past months, I have submitted written disputes to all three credit bureaus ( via certified mail ) regarding multiple charged-off accounts that I believe are inaccurately reported. Despite providing detailed explanations and requesting verification, the credit bureaus have continued to maintain this negative information without conducting a reasonable investigation or providing sufficient documentation to support their conclusions. 

These accounts include but are not limited to : XXXX XXXX XXXXXXXX charged-off account with inaccurate balance XXXX XXXX XXXX XXXX ) multiple accounts from XXXX and XXXX reporting inaccurate charge-off statuses XXXX XXXX multiple unsecured loans reported as charged-off without valid verification I also disputed several unauthorized hard inquiries which I never approved, such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries may be considered a violation of FCRA 604, which restricts access to consumer reports without permissible purpose.

Despite following the dispute process and invoking my rights under the FCRA, the credit bureaus failed to correct or delete the inaccurate information. They also did not provide proof of any investigation or of communication with furnishers ( data providers ), which they are required to do under FCRA 1681i ( a ) ( 6 ).

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Response to CFPB Fraudulent Account Transfer and Credit Reporting Error To Whom It May Concern, I am writing in response to a recent issue involving my XXXX XXXX  XXXX account and a company named XXXX XXXX XXXX. 

XXXX  XXXX XXXX is my original creditor. However, I have discovered that my account was allegedly sold or transferred to XXXX XXXX XXXX without my knowledge or consent. I have never signed any documents or authorized any transfer of this account to this company. I have also previously reported that my identity has been stolen on two separate occasions, which may be related to this situation. 

Despite not authorizing any transaction with XXXX XXXX XXXX, I have been receiving numerous harassing phone calls, emails, and mailed letters from them. This activity has caused a significant and negative impact on my credit score, and I have verified that this account is being incorrectly reported on my credit reports as if it is valid. 

This is a case of fraudulent activity, and I am requesting that the CFPB : Investigate how XXXX XXXX XXXX obtained and is attempting to collect on this account. 

Request the immediate removal of all tradelines, collections, or references to this account from all three major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Ensure that I am no longer contacted by First Source Advantage regarding this fraudulent matter. 

This situation is causing undue stress and financial harm, and I appreciate the CFPBs attention to this matter. 

Thank you for your time and support. 

Sincerely, 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Response to CFPB Fraudulent Account Transfer and Credit Reporting Error To Whom It May Concern, I am writing in response to a recent issue involving my XXXX XXXX  XXXX account and a company named XXXX XXXX XXXX. 

XXXX  XXXX XXXX is my original creditor. However, I have discovered that my account was allegedly sold or transferred to XXXX XXXX XXXX without my knowledge or consent. I have never signed any documents or authorized any transfer of this account to this company. I have also previously reported that my identity has been stolen on two separate occasions, which may be related to this situation. 

Despite not authorizing any transaction with XXXX XXXX XXXX, I have been receiving numerous harassing phone calls, emails, and mailed letters from them. This activity has caused a significant and negative impact on my credit score, and I have verified that this account is being incorrectly reported on my credit reports as if it is valid. 

This is a case of fraudulent activity, and I am requesting that the CFPB : Investigate how XXXX XXXX XXXX obtained and is attempting to collect on this account. 

Request the immediate removal of all tradelines, collections, or references to this account from all three major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Ensure that I am no longer contacted by First Source Advantage regarding this fraudulent matter. 

This situation is causing undue stress and financial harm, and I appreciate the CFPBs attention to this matter. 

Thank you for your time and support. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
b'I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this  claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
They blocked my debit card and my online access because I bought an air fryer on XXXX. Telling me I MUST go to a branch, but there are no XXXX XXXX XXXX XXXX  Gave me no other options. I want to take my money out and close this account now. 

I called them and they said they cant send a code to my phone to verify me, but its the number I opened the account and always used. I changed my number on the online banking and they say they cant verify it either. I only have a debit card so XXXX cant access my money and they wont unblock me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hereby formally notify you that I have been a victim of identity theft. Unauthorized parties have unlawfully obtained and used my personal information to open accounts and conduct transactions without my knowledge or consent.

I categorically deny any responsibility for the fraudulent accounts and charges associated with my name. Upon discovering this matter, I promptly reported the incident to the Federal Trade Commission ( FTC ) via IdentityTheft.gov.

I respectfully request a thorough investigation into the disputed accounts and charges, and I urge you to remove any fraudulent information from my credit report and related records forthwith. 

Should you require any further documentation or clarification to facilitate your investigation, please do not hesitate to contact me at XXXX or 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove all the negative items that I listed in my FTC reports, 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