vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-04 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 2025-06-04 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Please review attachments.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 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 did not give consent to have these on my credit report Depted/CRI {$3000.00} {$1700.00} XXXX, LaunchServicing {$1900.00} XXXX both of these students loans I didnt give consent Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), my educational records and identifying information are protected from unauthorized access or use. If these loans were originated or certified using my student information without my knowledge or consent, it constitutes a violation of FERPA, and further legal action may be pursued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I did not give consent to have these on my credit report Depted/CRI {$3000.00} {$1700.00} XXXX, LaunchServicing {$1900.00} XXXX both of these students loans I didnt give consent Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), my educational records and identifying information are protected from unauthorized access or use. If these loans were originated or certified using my student information without my knowledge or consent, it constitutes a violation of FERPA, and further legal action may be pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute to TransUnion challenging inaccurate late payment information reported on the following accounts : 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 I cited the Fair Credit Reporting Act ( FCRA ) provisions that require consumer reporting agencies ( CRAs ) to report data with maximum possible accuracy ( 1681e ( b ) ) and to reinvestigate disputed information within 30 days ( 1681i ( a ) ( 1 ) ( A ) ). 

My XXXX credit report shows XXXX late payments for both accounts, but TransUnion reports derogatory late payment history that is inconsistent and inaccurate. I requested that TransUnion either correct the information to match verified records ( XXXX late payments ) or remove the late payment data if it could not be substantiated with original documentation ( e.g., payment history, billing records ). I also requested a summary of the reinvestigation as required by 1681i ( a ) ( 6 ).

As of today, I have received no response, no investigation summary, and no resolution. This is a clear violation of FCRA 1681i, which mandates that CRAs respond and reinvestigate consumer disputes within 30 days.

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 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank/CBNA reduced my Best Buy credit card limit from {$2500.00} to {$850.00} without notice, despite over 10 years of perfect payment history. This unjustified reduction caused a spike in my utilization rate, which negatively impacted my credit score and is now delaying my mortgage and HELOC application. No adverse action notice was sent as required by 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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A scammer impersonated Chase and tricked me into sending money via XXXX under the false belief that I was protecting my account. I spoke to multiple parties on the phone, including representatives from Chase, the police, and XXXX. Initially, I called Chase, who then connected me with the other parties. I was told the transaction was flagged and that I would receive my money back within a few days. However, I later received a letter from Chase stating no further action would be taken, despite this clearly being a bank impersonation scam. Additionally, a representative from XXXX assured me that I would receive my money back without a doubt. I have filed reports with the FTC and local police and request that this case be reconsidered as authorized fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Central Portfolio Control Inc.
State: AL

Complaint narrative:
I am writing to formally object to the recent charges made to my account and to request immediate action. I have not conducted any business with your company, nor have I authorized any payments. As a collection agency, you are not entitled to charge me, especially in the absence of a valid debt or any prior agreement that has absolutely nothing to do with you.

Furthermore, I have previously requested that my account be deleted, yet you have failed to comply. This constitutes a violation of data protection regulations and consumer rights. Continuing to hold my data and process transactions without my consent is unlawful.

I am demanding the followi

ng : 1. Immediate refund of all unauthorized charges. 2. Immediate and permanent deletion of my account and all associated personal data. 3. Written confirmation that no further actions will be taken against my account and that my information has been removed from your systems. If these demands are not met within 7 days, I am now escalating this matter to the appropriate regulatory bodies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Please treat this matter with urgency and respond promptly in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
THE FOLLOWING ITEMS ON THE ATTACHMENT REMAIN UNRESOLVED. IF THIS IS NOT CORRECTED WITH THIS DISPUTE, I RECEIVE SOME REQUEST FOR ADDITIONAL INFO LETTER IN THE MAIL OR RECEIVE ONE OF THOSE POST CARDS YOU LIKE TO SEND I WILL IMMEDIATELY SEND THE COMPLAINT TO THE FTC TO LOOK AT. I'M TIRED OF THE STALLING, DELAY TACTICS & VIOLATION OF MY RIGHTS UNDER THE FCRA LAWS. I DON'T WANT TO HEAR YOU QUOTE TO ME THAT YOU DO FOLLOW THEM BECAUSE YOU DON'T! I'VE ALREADY SENT COMPLAINTS ON XXXX XXXX XXXX XXXX TO THEM REGARDING THEIR STALL TACTICS. I'M TIRED OF ALL 3 BUREAUS & UNWILLING TO CONTINUE DISPUTING ITEMS IF YOU REFUSE TO RESOLVE THEM. WE'LL GET SOMEONE ELSE INVOLVED WHO WILL " FORCE '' YOU TO DO YOUR JOBS!

1. Page 1 of the report you sent dated XXXX XXXX XXXX is not all true. See the highlighted areas & handwritten questions. 
2. Page 6 XXXX XXXX XXXX shows payment delinquencies for which you have no date for when the account will be removed nor the delinquencies expiration dates to be removed listed. I want to know when these delinquencies are scheduled to fall off. Don't tell me " never '' because that's a crock & you know it. I need a date! 
3. Page 14 continues to show the highlighted name that is not mine 4. Page 14 continues to show an address in Hurricane that is also not mine 5. Page 14 continues to show duplicate and triplicate addresses that are incomplete or wrong.

6. Page 14 continues to show my employer 's name when I've requested 4 times to remove it as I do not want that showing on 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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute and Cease and Desist Account Dear Portfolio Recovery Associates , LLC, Under 15 U.S.C. 1692c ( c ) ( FDCPA ), I demand you cease all communication with me or third parties regarding account # XXXX. I revoke all consent to be contacted by any means ( phone, email, mail, etc. ). 

Per 15 U.S.C. 1692g, I dispute this alleged debt and demand written validation ( amount, original creditor, and your authority to collect ) within 30 days. All collection must stop until validated. Noncompliance may result in {$1000.00} statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1692k.

Cease reporting this account to credit agencies or remove any negative information. Continued inaccurate reporting may violate 15 U.S.C. 1681n ( FCRA ), incurring : - Actual damages, - {$1000.00} statutory damages per violation, - Punitive damages, - Attorneys fees.

Negligent noncompliance under 15 U.S.C. 1681o may result in actual damages and attorneys fees.

Required Actions : 1. Stop all communication ( 15 U.S.C. 1692c ( c ) ).

2. Provide debt validation ( 15 U.S.C. 1692g ).

3. Remove negative credit reports.

4. Confirm compliance in writing within 10 days. 

Noncompliance may lead to CFPB complaints and legal action under FDCPA and FCRA. Send validation to my address above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CL Holdings LLC
State: MN

Complaint narrative:
I have a hard inquiry on my report from something I did not use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Hello! 

Im not sure if I can file this complaint but Credit Acceptance is suing me for an outstanding loan that I co signed for. I sent them a letter explaining hardship and they never acknowledged it. The next thing I know they took XXXX XXXX  out of my check and I had to cancel my XXXX appointment. I have an XXXX XXXX  and couldnt attend the appointment. I have been on XXXX XXXX  times and right before the last XXXX  the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you cant help me please refer me to someone who can! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, to request the immediate blocking and deletion of multiple inaccurate, unauthorized, and/or outdated accounts from my credit reports. These accounts were reported by Experian, Equifax, and TransUnion and have negatively impacted my creditworthiness. 

I have submitted formal disputes and identity theft documentation to the credit bureaus and am now escalating to the CFPB due to non-removal and delayed responses. Attached are my Block and Delete letters, FTC Identity Theft Report, ID, and proof of address. 
The following accounts are being disputed : EXPERIAN XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, Balance {$2000.00}, re-aged, should be deleted as obsolete XXXX XXXX Opened XXXX, Balance {$8600.00}, outdated and inaccurately reported XXXX XXXX Balance {$4300.00}, negatively reported multiple times XXXX XXXX Balance {$12000.00}, disputed COVID-era eviction, not authorized XXXX XXXX XXXX XXXX ) Balance {$4000.00}, re-aged without consent XXXX Opened XXXX, Balance {$3200.00}, closed and still reported negatively XXXX XXXX XXXX XXXX Balance {$150.00}, inaccurately reported closed account XXXX XXXX Balance {$1200.00}, inaccurate reporting closed account but still reporting XXXX XXXX XXXX XXXXXXXX XXXX Closed with {$340.00} balance still reporting XXXX Paid loan still showing 13 late payments XXXX Paid and closed, still listed XXXX XXXX Unknown debt, unverifiable What EQUIFAX XXXX XXXXXXXX Balance {$35000.00}, sold but still reporting negatively XXXX XXXX  XXXX account , not authorized XXXX Closed, refinanced, 12 late payments reported XXXX XXXX Balance {$150.00}, charged-off XXXX XXXX Balance {$8600.00}, outdated account XXXX XXXX Balance {$4300.00}, charged-off XXXX XXXX  Balance {$330.00}, opened XX/XX/XXXX, in collections XXXX XXXX {$2200.00} XXXX XXXX XXXX, {$4000.00} XXXX XXXX XXXX inaccurate and re-aged XXXX XXXX Unknown balance, unauthorized short-term loan XXXX XXXX  Balance {$500.00}, utility collection XXXX XX/XX/XXXX TRANSUNION XXXX XXXX Balance {$12000.00}, eviction-related XXXX disputed XXXX XXXX Multiple entries, re-aged collections XXXX Balance {$330.00}, opened XX/XX/XXXX, in collections XXXX XXXX Unauthorized payday loan XXXX XXXX Balance {$1200.00}, inaccurately listed as profit/loss XXXX XXXX Balance {$500.00}, duplicate utility debt XXXX XXXX account , inaccurate and unverifiable

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 2025-06-04 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The account/payment history is inaccurate. On XXXX XXXX XXXX shows different months of delinquency. They are in fact wrong, the late payments occurred way earlier than noted because the dealership had sold me a vehicle and broke down within a month and the dealership Closed shortly after. I did not make payments moving forward.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account/payment history is inaccurate. On Experian and equifax shows different months of delinquency. They are in fact wrong, the late payments occurred way earlier than noted because the dealership had sold me a vehicle and broke down within a month and the dealership Closed shortly after. I did not make payments moving forward.

Company response to consumer: Closed with non-monetary relief