vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance ( ACA ) is illegally demanding a {$9000.00} deficiency balance while committing systematic credit reporting violations : - XX/XX/XXXX : Vehicle repossessed and sold for {$20000.00}, significantly below $ XXXX {$26000.00} market value for a XXXX XXXX XXXX XXXX violating commercial reasonableness requirements. 

- DEFICIENCY FRAUD : Demanding {$9000.00} while reporting only {$7800.00} balance to credit bureaus, creating accounting discrepancies. 

- XXXX XXXX : Falsely characterized my disputes as " identity theft '' to exploit existing fraud alerts on my credit file ( placed without my consent in XXXX ). 

- MULTIPLE BUREAU INCONSISTENCIES : Reporting different payment histories, status dates, and account details across XXXX XXXX and XXXX. 

- PREDATORY FEE INFLATION : {$530.00} repossession fees ( {$360.00} retaking XXXX {$130.00} selling XXXX {$30.00} preparation ) without proper documentation. 

- PREVIOUS CFPB COMPLAINT INADEQUATE : Company responded with false " identity theft '' claims despite documented validation failures. 

The company is exploiting credit bureau fraud alerts to avoid debt validation while reporting inconsistent information across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am submitting this formal complaint to bring attention to the credit reporting agencys failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my credit dispute. On XX/XX/year>, I submitted a written dispute with all required documentation including proof of identity, proof of address, and a notarized affidavit regarding multiple inaccurate and unauthorized accounts appearing on my credit report. 



Despite receiving my dispute, the credit reporting agency failed to conduct a reasonable investigation or provide any documentation verifying the disputed information. They also failed to complete the investigation within the mandated 30-day period required under FCRA 1681i ( a ). As of today, well beyond that timeframe, I have received no proper explanation or resolution.

This continued lack of action represents a direct violation of the FCRA. The agencys failure to respond in a timely and lawful manner has resulted in ongoing harm to my creditworthiness, emotional distress, and financial disadvantage. I am requesting that the CFPB investigate this noncompliance and require immediate corrective action. 



The inaccurate accounts still appearing on my report are from multiple furnishers, including but not limited to : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) I am requesting that the CFPB compel the credit reporting agency to complete their investigation, remove the inaccurate and unverifiable accounts, and provide written confirmation of compliance. Attached are copies of my original dispute letter and proof of delivery sent on XX/XX/year>. I expect a written response outlining corrective actions taken to ensure full compliance 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 explanation
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. 
I request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. 

SECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. 

Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Kriya Capital, LLC
State: TX

Complaint narrative:
What has happened is according to 15 U.S.C. 1681c-2, which provides my right to request the blocking of information on my credit report that I believe resulted from identity theft. I did not authorize the accounts or transactions in question, and they do not reflect my actual credit activity. I am requesting that the credit reporting agency investigate this matter and block the fraudulent information from my credit file as permitted under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am filing this complaint because Credence RM reported an XXXX  collection account ( # XXXX for {$270.00} ) on my credit report without ever notifying me, contacting me, or giving me the legally required opportunity to dispute the debt before reporting it. 
I did not receive : A validation notice A 30-day right-to-dispute letter A bill Any correspondence Any email or call Any pre-reporting notice This account simply appeared on my credit report, which violates : FDCPA 1692g ( a ) failure to send required written notice FDCPA 1692g ( b ) reporting / collecting without validation FDCPA 1692e ( 2 ) false/misleading representation of a debt FCRA 1681e ( b ) must ensure accurate information FCRA 1681s-2 ( b ) must verify after dispute Metro-2 accuracy standards I have already disputed this account, and Credence has not provided a single page of validation.

Credence has failed to provide any of the required documents : To legally verify a collection, Credence must provide : The original XXXX  customer agreement Complete billing and service ledger Itemized balance breakdown ( charges, fees, equipment, service dates ) Proof of assignment/ownership of the debt DOFD documentation Metro-2 compliant reporting Proof I was notified prior to reporting None of this has been provided, and the account continues to report with no verification whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I am filing this complaint because the credit reporting agencies are reporting multiple inaccurate and unverified items on my credit file. These errors are causing harm to my creditworthiness, and despite my disputes, the agencies have failed to properly investigate these issues as required under the Fair Credit Reporting Act ( FCRA ).

Below are the inaccurate items that must be addressed : 1. Wrong / Incorrect Addresses ( Not Associated With Me ) The following addresses are appearing on my credit report, and I have no connection or affiliation with them. I have never lived at or used these addresses for any purpose : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses must be removed immediately as they are incorrect and may indicate mixed files or identity inaccuracies.

2. XXXX  Account # XXXXXXXX XXXX High Balance : {$41.00} Date Opened : XX/XX/year> Status Reported : Late Payment This account is inaccurately reporting a late payment, which is false.

I have never made a late payment on this account. The reporting is completely incorrect and violates FCRA 1681e ( b ) for failing to ensure maximum possible accuracy.

I am requesting that the late payment history be fully corrected and updated to reflect on-time payments only, as the current reporting is inaccurate and harmful.

Requested Action I request that the CFPB compel the credit reporting agencies and the data furnisher to : Remove all incorrect addresses listed above.

Correct the inaccurate late payment reporting on XXXX account # XXXXXXXX XXXX. 

Provide me with written confirmation once the corrections are completed.

Conduct a full reinvestigation compliant with FCRA standards and timelines.

Conclusion These errors are directly impacting my credit profile and financial opportunities. I am requesting your urgent assistance in ensuring that the credit reporting agencies comply with federal law and correct these inaccuracies immediately.

Thank you for your attention and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX  RE : FORMAL COMPLAINT WILLFUL FCRA VIOLATIONS & DEMAND FOR DELETION OF FALSE LATE PAYMENTS To Whom It May Concern : This complaint is filed against [ SELF/LEAD ], XXXX XXXX and XXXX  for knowingly reporting false, unverified late payments in violation of the Fair Credit Reporting Act ( FCRA ). 

1. The Furnisher Is Reporting False Late Payments The furnisher is reporting late payments for the following months, all of which are factually untrue : [ XX/XX/XXXX, XX/XX/XXXX ] No documentation has been providednot a single bill, statement, ledger, timestamp, or payment log. 

2. Legal Violations Committed These actions violate the following federal laws : FCRA 1681s-2 ( a ) Prohibits reporting inaccurate information FCRA 1681s-2 ( b ) Requires a reasonable investigation upon dispute FCRA 1681i Requires CRAs to delete unverifiable information FCRA 1681n Liability for willful noncompliance FCRA 1681o Liability for negligent noncompliance The continued reporting of unverifiable data constitutes willful misconduct, exposing the furnisher and CRAs to statutory, actual, punitive damages, and attorneys fees.

3. Demands I demand : 1. Immediate deletion of the disputed late payments 2. A full internal investigation into the furnishers reporting procedures 3. Confirmation in writing that the inaccurate information has been removed 4. Review for systemic FCRA violations Failure to comply will result in escalation, including regulatory complaints and civil action for damages under 1681n & 1681o.

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + CHECK SYSTEMS CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX  Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION 3 SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SECTION 4 BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION 5 UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA.

I request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt.

SECTION 6 REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION 7 CERTIFICATION I certify that all information provided is true and correct. 


Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently applied for and was approved for an American Express XXXX XXXX XXXX XXXX. The preset credit limit assigned to my account is significantly lower than the limits on my other credit cards and does not reflect my credit profile, income, or my existing relationship with American Express. 

I contacted American Express immediately and requested a manual reconsideration of the initial credit limit assignment. I politely asked that the case be escalated to the Credit Underwriting Team or the Credit Bureau/Account Review Team .

American Express declined to escalate the case and stated that there is no possible way to manually reconsider the limit, even though I know that underwriting reviews are possible. They refused to review the decision despite my strong credit history and prior account performance as an existing Amex customer.

I am requesting that the CFPB ensure that American Express conducts a fair manual review of my initial credit limit assignment and provides a written explanation of the specific factors used to determine the unusually low limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates failed to provide legally required validation under FDCPA 809 ( b ).

They did not provide : Proof of assignment Chain of title Original contract Itemized charges Collection license for Illinois They sent a generic letter claiming they would cease communication but did not provide validation and did not delete the account during an active dispute, which is required by FDCPA and FCRA because credit reporting constitutes collection activity. 

PRA continues to report unvalidated information to credit bureaus, violating FDCPA 807 and FCRA 611. PRA must immediately delete this account because they failed to validate before continuing collection activity.

Company response to consumer: Closed with explanation