vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a credit card with XXXX ( XXXX ), which was closed with the agreement of being placed into a repayment plan at an XXXX XXXX interest rate. Plan start date was XX/XX/XXXX with an end date of XX/XX/XXXX. Payments ( {$130.00} ) started in XX/XX/XXXX and were arranged to be auto-paid monthly on the XXXX. 

In XX/XX/XXXX, I had to change my checking account due to removing my XXXX from the account. A payment went through on my old checking account and was returned/declined. As part of that transition, I updated my repayment plan agreement with the new auto-payment checking account information with XXXX, and the XXXX was the new auto-payment plan date. Since this transition early last summer, I have remained current with the repayment agreement. 

* I was not charged late fees ( since XX/XX/XXXX ). 
* I was never contacted by XXXX for delinquency -- instead I get letters thanking me for my payment. 
* There are discrepancies between the Transunion and Equifax reports ( including not including payments made, not taking into account payment arrangement started in XX/XX/XXXX -- yet still past due in XXXX XXXX??? ) Despite this, and previous disputes, this account is reporting as XXXX days late on my credit reports. I believe this reporting is INACCURATE and MISLEADING under FCRA, as it does not reflect the reality of my continued compliance with the repayment agreement. I am being penalized for a XXXX system constraint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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 had a credit card with XXXX ( XXXX ), which was closed with the agreement of being placed into a repayment plan at an XXXX XXXX interest rate. Plan start date was XX/XX/XXXX with an end date of XX/XX/XXXX. Payments ( {$130.00} ) started in XX/XX/XXXX and were arranged to be auto-paid monthly on the XXXX. 

In XX/XX/XXXX, I had to change my checking account due to removing my XXXX from the account. A payment went through on my old checking account and was returned/declined. As part of that transition, I updated my repayment plan agreement with the new auto-payment checking account information with XXXX, and the XXXX was the new auto-payment plan date. Since this transition early last summer, I have remained current with the repayment agreement. 

* I was not charged late fees ( since XX/XX/XXXX ). 
* I was never contacted by XXXX for delinquency -- instead I get letters thanking me for my payment. 
* There are discrepancies between the Transunion and Equifax reports ( including not including payments made, not taking into account payment arrangement started in XX/XX/XXXX -- yet still past due in XXXX XXXX??? ) Despite this, and previous disputes, this account is reporting as XXXX days late on my credit reports. I believe this reporting is INACCURATE and MISLEADING under FCRA, as it does not reflect the reality of my continued compliance with the repayment agreement. I am being penalized for a XXXX system constraint.

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 2025-08-30 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: FL

Complaint narrative:
Please do a permanent deletion of this Inaccurate, Fraudulent, and Unverified Information Under Federal Law on this account ; DPT EDXXXX ACCOUNT # XXXX showing up eight different times with different amounts. It is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Collection Practices Act ( FDCPA ).

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX the vehicle was wreck and i called the bank credit acceptance and let them know that the vehicle was wreck and totaled out ive giving the bank the address and phone number of tow yard to pick vehicle of. i saw XXXX later that the loan was still open under my credit and no payment has been made on the account since then i reach out the bank in early XX/XX/XXXX about the vehicle and the woman on the phone stated that when the tow guy got that there to pick up the vehicle that it wasnt worth picking up and to leave it the bank has threaten me that the loan will stay open on my credit which is not fair cause im not able to get transportation with in these XXXX because of that open auto loan on my account that should have been closed or in repossesion status.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: MO

Complaint narrative:
the company has falsely advertised a vehicle as being repossessed when the car was wrecked and salvaged, with missing bolts on the engine not including the wiring issue. I took a loan for the car and it was advertised as run and drive and the vehicle does not run and drive and has missing engine bolts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On these following dates, I mailed out disputes for all of the unlawful and inaccurate data on on my Experian consumer report. They have failed to accurately update/delete that information on 3 separate attempts. 

XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2025-08-30 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX Date XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Equifax and Experian for FCRA Violations XXXX  XXXX Accounts Dear CFPB, I am filing a formal complaint against Equifax and Experian regarding their failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611. 

The accounts in question are : XXXX. XXXX XXXX XXXX  XXXX XXXX Account ending * XXXX Status : Charge Off Balance Reported : {$1700.00} Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account ending * XXXX Status : Charge Off Balance Reported : {$2000.00} Closed : Nature of the Complaint Both accounts were charged off and sold to third-party debt collectors, yet XXXX  XXXX continues to report outstanding balances as if I still owe them directly. This creates the false and misleading impression that I owe the same debt to both XXXX XXXX and a collection agency. 

This reporting is : Factually inaccurate ( a charged-off debt sold to another party should not continue showing a balance with the original creditor ). 

Misleading and deceptive ( it appears I owe multiple parties for the same debt ). 

A violation of the FCRA requirement for accurate reporting. 


Previous Disputes Ignored I have disputed these accounts multiple times with both Equifax and Experian, and they continue to verify the same inaccurate and misleading information without a proper investigation. This demonstrates a failure to conduct a reasonable reinvestigation under FCRA Section 611 ( a ).

-- - Requested Resolution I am requesting that the CFPB require Equifax and Experian to : XXXX. * * Delete both XXXX XXXX accounts ( XXXX and XXXX ) from my credit reports entirely. 


XXXX. Provide me with written confirmation of deletion. 


XXXX Review their dispute-handling practices for compliance with FCRA requirements. 




-- - Supporting Documents Copies of my Equifax and Experian credit reports ( dated XX/XX/XXXX ) showing the disputed XXXX  XXXX accounts. 

Copies of my prior dispute letters and bureau responses. 



-- - Thank you for your attention to this matter. I am requesting prompt enforcement action to ensure these inaccurate accounts are deleted from both my Equifax and Experian files. 

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 explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
I was looking at my consumer reports and saw that my accounts were showing late on my credit report on XX/XX/year> credit reporting agencies are required by law to show accurate information please show verifiable proof I was late on XX/XX/year> if you can not please update to show paid on time and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To do what is fair to me as a a consumer, delete and update my credit report as they are reporting inaccurate information that i have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Disputes taking more than 30 days to resolve not being moved from my 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 2025-08-30 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: NY

Complaint narrative:
For the past few months Ive written to Experian and explained that several accounts were being reported inaccurate. The company has responded each time that the accounts were verified as accurate. Even with proof sent to them nothing was corrected or deleted. FCRA states CRAs are to assure maximum accuracy of information which they failed to do.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit refXXXX I have not received any billing from XXXX XXXX XXXX XXXX I request a itemized billing from them and as far as you Medicredit i request verification lets be clear 15 USC611 I challenge verification and demand deletion Ucc Facta Law and FCRA602,609,15USC1692g FDCPA chain of assignment, forward flow agreement, FCRA605 it is illegal to report anything on my credit report without my permission There for you Medicredit as of this date XX/XX/year> I request that cease and desist that means to myself and any media all correspondence will come from XXXX XXXX XXXX complete itemized billing respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some accounts that were not accurate. These accounts are hindering me from obtaining credit. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/year>XXXX  Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation ( No Account Number listed ) To Whom It May Concern, I am writing in response to your recent notice regarding the alleged debt referenced above. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 



Please provide the following : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 
The name and address of the original creditor, along with the account number. 
A full itemized accounting of the alleged debt, including the original balance, interest, fees, and payments made. 
Proof that your company is licensed to collect debts in my state. 




Until you provide proper validation of this debt, you must cease all collection activity, including reporting this account to any credit reporting agencies. If this debt has already been reported, I request that you inform the credit bureaus that the debt is disputed. 



Please note that I am keeping records of all correspondence related to this matter. Failure to comply with this request will be considered a violation of the FDCPA. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I formally challenged the validity of names, and addresses listed on my credit report under my Social Security number. I am now filing a complaint with a reinvestigation of these accounts with LexisNexis. The reinvestigation or requested documentation of the method of validation required did follow reasonable procedures to assure maximum possible accuracy of the information concerning my about whom the report relates. Either way the reporting requirements do not comply with FCRA 611 15 USC 1681I and the information must be deleted immediately. This inaccurate entry is adversely affecting my credit standing and defaming my character. 
Additionally, Im expressing to them there may be additional violations of the Fair Credit Reporting Act ( FCRA ), specifically which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information removed from my credit report expeditiously as follows : The following personal information is reported incorrectly on my credit report : Incorrect Insurance Policy Records-Record XXXX XXXX XXXX XXXX Government XXXX XXXX - personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). Incorrect Insurance Policy Records- Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX - personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). Record XXXX XXXX XXXX XXXX XXXX  - personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). Record XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). Record XXXX XXXX XXXX ; Additional Name on Policy XXXX XXXX XXXX XXXX XXXX - personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). Record XXXX XXXX XXXX : Additional Name On Policy XXXX XXXX XXXX XXXX XXXX XXXX - personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ). 

Section XXXX : LexisNexis Search Transaction Detail : Record XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX personal data is incorrect-delete personal data due to Violation of 15 USC 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am disputing a medical collection reported by XXXX XXXX XXXX XXXX ( {$1500.00} ; opened XX/XX/XXXXXXXX  ; last reported XX/XX/XXXX ). TransUnion denied prior disputes ( IDs XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXXXXXX  ; XXXX on XX/XX/XXXXXXXX  ). I requested the Method of Verification and documentation supporting DOFD, itemization, and proof of assignment/authority to report. I was not informed about separate billing by an anesthesia provider, and I have never been provided itemization. Please require TransUnion to provide the verification procedure and underlying documents or DELETE the tradeline if unverifiable. I prefer written responses.

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