vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I formally dispute the accuracy of my student loan information due to recent XXXX and FCRA violations, including unauthorized access to my records. Specifically, I allege violations of XXXX Unauthorized disclosure of my educational records to XXXX on XX/XX/XXXX., FCRA 15 USC 1681q My credit report was accessed by XXXX on XX/XX/XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA 15 USC 1681b My credit report, containing my student loan information, was accessed by XXXX on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. I also invoke my rights under FCRA 15 USC 1681i, demanding a reasonable reinvestigation within 30 days of the following disputed items : XXXX XXXX XXXX Account # XXXX * * * * * * * * * * * * * * * * * ( Experian ) XXXX XXXX Account # XXXX * * * * * * * * * * ( TransUnion )/ Account XXXX XXXX * * * * * * * * * * * * * * * * * * * ( Experian ) * * XXXX XXXX XXXX  Account # XXXX * * * * * * * * * * * * * * * * * ( Experian additional tradeline ) * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
Equifax has unlawfully reinserted a fraudulent account onto my consumer report that was previously disputed and deleted. This account is the result of identity theft. Initial Action : The account was successfully disputed and deleted from my report on or about XX/XX/year>. Proof Provided : I have previously provided Equifax with an official FTC Identity Theft Report and supporting documentation for this account, proving it is not my debt. Illegal Reinsertion : The fraudulent account was reinserted onto my report on or around XX/XX/year>. Equifax did not provide notice and they failed to meet the substantive legal requirements for reinsertion. Legal Violations : Equifax XXXX violating the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : By reinserting a previously deleted item without providing certification that the item is complete and accurate, especially after receiving proof of identity theft. A fraudulent account can not be certified as accurate to the victim. 2. 15 U.S.C. 1681c-2 : By failing to properly block the reporting of an item that is proven to be the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I purchased my very first car from Credit Acceptance Corporation in XX/XX/year>. After 2 years of making on-time payments of {$220.00} a month, I realized that somehow I am still owing {$6500.00} on my loan. Very concerned with this, I decided to take a look at my contract. Upon reading, I saw that my car was being sold to me at a 23.99 % XXXX and that the total sale price of the car was {$6700.00} and that the amount financed by me will be {$8700.00}, but the total that I will have paid at the end of my XXXX term will be {$15000.00} and the total sale price including my {$1500.00} down payment will be {$16000.00}. That means I am paying more than double the amount that I purchased the car for, even though my interest rate is only 23.99 %. I am paying {$16000.00} for a {$6500.00} car, with the interest accruing to be more than the actual sale price of the car itself. I have already made {$5200.00} worth of payment towards the car and about to be {$5400.00} with my next upcoming payment on the XXXX of XXXX. 

I feel that I was absolutely scammed by this company, and they got XXXX over on me because nothing about the total cost being {$16000.00} was explained to me in any way, shape, or form. I would have certainly never made this purchase if I had been made aware of what was actually taking place under my nose. I feel that this needs to be addressed because if not, this will happen to other young, innocent people like me who are purchasing their first vehicle. I need guidance on how to pursue this issue. 

I have not taken this up with Credit Acceptance Corporation yet, but I plan on contacting them soon, when my hours at work allow me. I am also concerned about what I have researched about this company, that they will do nothing to help me anyway.

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 2025-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and XXXX XXXX. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, that assurance has not been honored, as these inquiries persist on my report. This failure to fulfill the commitment is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-03 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXXXXXX - XXXX 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 2025-12-03 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 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: FL

Complaint narrative:
i recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get thesse accounts remove immediately. Account number XXXX Account number XXXX Account numberXXXX Account number XXXX, Account number 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 2025-12-03 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: FL

Complaint narrative:
i recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get thesse accounts remove immediately. Account number XXXX Account number XXXX Account numberXXXX Account number XXXX, Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX XXXX collection that I do not recognize. I never received any written XXXX validation notice as required under FDCPA 1692g ( a ), so I was denied my right to dispute or request validation under 1692g ( b ).

No contract, service records, itemized billing, or documentation proving this account belongs to me has ever been provided. Reporting a debt without proper validation violates FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX appeared XX/XX/year> with no authorization or credit application submitted by me. The inquiry is unauthorized under FCRA XXXX ( a ) ( XXXX ). I request deletion of this inquiry and mailed confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was the victim of a fraudulent inducement scam involving a XXXX transfer from my XXXX XXXX account on XX/XX/year>. A scammer hacked a legitimate XXXX users account and posted a fake listing for a XXXX XXXX watch. Believing the post was real, I sent {$1900.00} through XXXX to the email address provided. 

After the money was sent, I discovered the post was fraudulent. I contacted the recipient directly, and they confirmed in writing that I had been a victim of a scam/money laundering scheme and that they were unaware their information was being used. I have this written admission documented. 

I reported the fraud to XXXX XXXX, but they denied my claim, stating that because I initiated the transaction, it is not covered. I appealed the decision and submitted new evidence, including the recipients written admission, but I received no response from XXXX XXXX XXXX XXXX department for over a month despite follow-ups. 

I am requesting CFPB assistance to : XXXX. Ensure XXXX XXXX properly investigates this as fraudulent inducement, XXXX. XXXX XXXX XXXX to submit a funds recall request to the receiving bank, and XXXX XXXX XXXX XXXX XXXX to respond to my appeal. 

I have documentation including : The email exchange where the recipient admits it was a scam The XXXX transaction receipt Security Appeal sent to Navy Federal Credit Union XXXX of my unanswered appeal and follow-ups

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
FRAUD TOOK PLACE ON MY ACCOUNT TWICE AND I REQUESTED THAT THE ACCOUNT BE CLOSED AND WAS TOLD THAT IT WOULD. 
MONTHS LATER 1 RECEIVE FRAUDULENT LATE PAYMENTS AND CHARGES WHEN THE ACCOUNT WAS SUPPOSE TO BE CLOSED. I NEED THE DEROGATORY MARKS REMOVED ASAP! 
DON'T REMOVE THE ENTIRE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> And please remove inaccurate employer XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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