vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Experian Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act. I obtained my credit reports and found multiple errors in both my personal identifying information and account reporting. I have disputed these inaccuracies and provided supporting documentation, yet the bureaus have failed to correct or verify the disputed items as required by law. 

Under 15 USC 1681i I requested a full reinvestigation and the method of verification used to confirm each disputed item. I also requested disclosure of the procedures and documentation used in the reinvestigation process as required by 15 USC 1681i 7. To date none of the bureaus have provided the required information including the names addresses and contact details of the furnishers that were allegedly contacted.

The bureaus are reporting false and outdated information including incorrect former names such as XXXX XXXX and XXXX XXXX multiple old addresses including XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX NC as well as inaccurate employers such as XXXX XXXX and XXXX  XXXX. In addition several accounts and inquiries remain on my reports that are inaccurate or unauthorized including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The bureaus have failed to maintain reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b. They have also failed to delete unverifiable or inaccurate information as required under 15 USC 1681i a 5. Their lack of response and incomplete reinvestigation show clear noncompliance with the FCRA.

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 2025-10-30 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: WA

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-30 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: WA

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have had a credit card with Elan for over 10 years with a credit limit of {$50000.00}. I have never had a late or past due payment. 

XXXX weeks ago, I asked that they change the company name on the credit card to another XXXX of my companies, which I own. 

I am personally responsible for the payment on this card, even though it was issued with the name of a corporation on its face. 

My credit score is XXXX, and I pay all bills promptly. 

They have canceled my credit card, using the excuse that I requested to change the company name. A copy of the notice is attached. Please note that Elan did not attempt to contact me about any information concerning the company, which is an LLC registered in the state of Illinois for multiple years. 

This has most assuredly hurt my credit because of the drastic reduction in the credit available to me. 

This is by far one of the most blatant abuses that I have seen in all the years of my career in the financial industry, having run a {$1.00} XXXX mortgage bank.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should 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 non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a correct credit report. I request a review of these entries, and if they can not be verified, they should be deleted.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Collections management has put a XXXX XXXX debt on my credit claiming I opened it XX/XX/year>. I have not had a new debt in collections in 5 years. Someone used my name n info and got this debt. I already had it removed off my XXXX report because I disputed it. XXXX  is saying they won't remove it I need help because I didn't obtain any debt for XXXXXXXX XXXX last month. It's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am requesting that the CFPB enforce corrective action against XXXX XXXX and that the credit bureaus remove this account. This furnisher can not verify the accurate original charge-off date or provide proof of a valid 1099-C. 
Thank you for your time and attention to this matter. Ive sent multiple letters concerning this matter and well be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 Credit Acceptance, LLC
State: NV

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this formal dispute under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) regarding multiple negative accounts reporting inaccurate balances, statuses, and addresses on my credit reports across all three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Negative Accounts ( Charge-offs, Collections, Delinquencies ) : XXXX. XXXX  XXXX  Auto Loan ( Closed ) Status : Charged off, {$12000.00} past due Last Updated : XX/XX/XXXX Comments : XXXX. XXXX XXXX XXXX XXXX XXXX Secured Card ( Closed ) Status : Charged off, {$600.00} past due Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Collection Account Original Creditor : XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XXXX XXXX, XXXX Status : Collection account, past due as of XX/XX/XXXX XXXX. XXXX XXXX XXXX Collection Account Original Creditor : XXXX  XXXX XXXX. 
Balance : {$540.00} Date Opened : XX/XX/XXXX Status : Collection, past due XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Account Balance : {$180.00} Date Opened : XX/XX/XXXX Status : Placed for collection XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Balance : {$11000.00} Status : Past due / collection Accounts with Late Payments/ Derogatory Indicators : XXXX accounts show XXXX day lates or derogatory status XXXX recent missed payment ( within 1 month of XX/XX/XXXX ) Hard Inquiries ( XXXX  + XXXX  ) : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. I have attempted to contact all of these companies to validate the debts, but my requests have either gone unanswered or were insufficiently addressed. Despite my efforts, the reported balances, addresses, and statuses remain on my credit reports.

I am requesting that these companies remove the reported balances, addresses, and any unverifiable information associated with these accounts until full validation can be provided. Documentation of all attempts I made to resolve these matters directly with the companies is available upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
These accounts are being fraudulently reported under my name without my explicit authorization or knowledge, and I have never authorized, managed, or consented to them in any way. This is utterly intolerable and a blatant violation of my rights, as it injects false and damaging information into my financial history. I regard my credit profile with the utmost seriousness, and the presence of these unauthorized accounts has caused me profound distress and potential long-term harm. I require instant, transparent clarification on how these accounts appeared and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate late payment reporting by GM FINANCIAL on my credit file for account number XXXX The creditor has furnished late payment information that does not accurately reflect my payment history and appears to be incorrect or unverified. I contacted the creditor directly and formally requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), as furnishers are required under 15 U.S.C. 1681s-2 to report only accurate and fully verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I am disputing a debt being reported by Capstone Credit & Collections for XXXX XXXX XXXX XXXX My move-out date was XX/XX/year>. The landlord issued an itemized charge notice on XX/XX/year>. On XX/XX/year>, they sent an updated balance with higher charges, which violates Florida Statute 83.49 ( 3 ) because it was outside the 30-day deadline for security deposit claims.

Capstone is reporting a balance of {$3000.00}, which is inaccurate and conflicts with the original itemized charges. I have sent a formal dispute email to XXXX XXXX requesting proper validation and correction. 

This inaccurate reporting has caused financial harm, including requiring extra deposits for new housing, and has affected me emotionally. I request that the debt be properly validated or removed from all credit reporting until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account : XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. I am not liable and refuse to pay these debts I have not signed a contract with any of these companies. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance I demand a thorough investigation and review of my credit report. Furnish contracts between the debt collectors and myself or remove fraudulent information from my credit report.

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 2025-10-30 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: NC

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. I am not liable and refuse to pay these debts I have not signed a contract with any of these companies. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance I demand a thorough investigation and review of my credit report. Furnish contracts between the debt collectors and myself or remove fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX received a letter from Chase Bank in XXXX, Ohio on XXXX XXXX XXXX and XXXX XXXX XXXX checking account # XXXX a deposit transfer was made into this account for some odd reason. The question is why would someone or some thing make such deposit? When the person on the checking account is deceased? If you have any questions or concerns you can contact XXXX XXXX the C/O at the address provided XXXX XXXX XXXX XXXX XXXX, Texas XXXX JPMorgan Chase XXXX. XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 



My complaint is regarding inaccurate late payment reporting by FAY SERVICING LLC on my credit file for account number XXXX. The creditor has furnished late payment information that does not accurately reflect my payment history and appears to be incorrect or unverified. I contacted the creditor directly and formally requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), as furnishers are required under 15 U.S.C. 1681s-2 to report only accurate and fully verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate late payment reporting by TD AUTO FINANCE on my credit file for account number XXXX. The creditor has furnished late payment information that does not accurately reflect my payment history and appears to be incorrect or unverified. I contacted the creditor directly and formally requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), as furnishers are required under 15 U.S.C. 1681s-2 to report only accurate and fully verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation