vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
CFPB Complaint Company names : XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 

Product : Credit reporting Issue : Incorrect information on credit report / Failure to investigate dispute What happened : I have disputed a XXXX XXXX XXXX XXXX credit card account ( Account No. XXXX ) multiple times with Experian and directly with the furnisher. Each dispute resulted in the account being marked verified without correction or deletion, despite ongoing inaccuracies and inconsistencies in reporting. 

The account is reported as closed/charged off for {$2300.00} with a {$0.00} balance, shows multiple late payments progressing into charge-off, and states it was purchased by another lender ( Security Credit Services ) . Despite this, derogatory payment history and charge-off information continue to be reported inconsistently and without proper substantiation. 

Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 and continues to rely on automated verification methods. XXXX XXXX XXXX XXXX failed to conduct a reasonable investigation under FCRA 623 ( b ) and continues to furnish inaccurate and misleading information that is not XXXX XXXX compliant. 

Repeated verification without documentation, correction, or deletion violates the Fair Credit Reporting Act, including 1681e ( b ), 1681i, and 1681s-2 ( b ).

What I want : Immediate deletion of this account from my Experian credit report Written confirmation of deletion XXXX that inaccurate information will not be reinserted I reserve all rights to pursue civil remedies for willful and negligent noncompliance if these violations are not corrected.

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 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding an alleged collection account originally attributed to XXXX XXXX XXXX, XXXX. I never received any initial written notice of this debt prior to it being placed on my credit report, in violation of FDCPA 809 ( a ), and first became aware of this account only through credit reporting. After discovering the account, I timely disputed it and requested proper validation ; however, Midland failed to provide legally sufficient validation. To date, Midland has not produced proof that it owns this alleged debt or has legal authority to collect, a complete chain of custody from XXXX XXXX XXXX  to Midland, an itemized accounting of the alleged balance, or a copy of any contract or agreement bearing my signature. Any internal data, affidavits, or billing summaries do not constitute validation. Despite these deficiencies, Midland continues to furnish this account to the credit reporting agencies as an accurate collection, which constitutes inaccurate and misleading reporting under the FCRA and XXXX XXXX guidelines. Midland Credit Management has been the subject of extensive consumer complaints and litigation for similar improper collection and credit reporting practices, and the continued reporting of this unvalidated account reflects willful noncompliance rather than an isolated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc.s response and enclosures do not constitute proper validation of the alleged debt. The documentation provided consists solely of creditor billing statements and internal account screenshots from XXXX XXXX, which fail to establish Transworlds legal authority to collect or report this account. No proof of ownership, assignment, or chain of custody was provided, nor was any contract, service agreement, or document bearing my signature included. Billing invoices do not verify that the debt was lawfully transferred to Transworld Systems Inc. or that the amount reported is accurate and enforceable. Additionally, Transworld claims to have complied with federal law while simultaneously admitting that they may not have had sufficient time to complete an investigation, which directly contradicts their assertion of compliance and confirms that the investigation was incomplete. Continued furnishing of this account without proper validation constitutes inaccurate reporting under the FCRA and unlawful collection activity under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I am filing this complaint regarding impermissible and excessive hard inquiries reported on my Experian credit report by XXXX and XXXX XXXX. 

Experian is reporting six ( 6 ) hard inquiries dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX. 

These inquiries occurred over a period of more than six months and are not within any recognized mortgage shopping window. Reporting these inquiries as separate hard pulls are inaccurate and excessive.

Under 15 U.S.C. 1681b ( a ) ( Fair Credit Reporting Act ), a consumer report may only be furnished for a permissible purpose. Repeated inquiries require separate written authorization for each pull, which Experian has not produced.

Under 15 U.S.C. 1681e ( b ), Experian is required to ensure maximum possible accuracy. Reporting multiple third-party inquiries without verifying authorization constitutes a failure of this duty.

Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation and delete information that can not be verified. To date, Experian has failed to verify permissible purpose or authorization for each inquiry. 

I am requesting immediate deletion of all impermissible inquiries and written confirmation of the corrections made to my credit file.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was stolen. In XX/XX/year>, the vehicle was formally deemed a total loss. At that point, any consumer liability for continued payments ceased.

My auto insurer, XXXX XXXX XXXX, issued payment in the amount of {$31000.00} toward the auto loan after Honda Financial failed to respond in a timely manner to repeated inquiries from both myself and the insurer. Additionally, my XXXX XXXX insurance paid {$2400.00} toward the loan balance. My final personal payment was made in XX/XX/year> in the amount of {$870.00}. 

Despite full insurance resolution and payoff activity, Honda Financial continued to treat the account as active and delinquent. 

Beginning XX/XX/year> through XX/XX/year>, Honda Financial repeatedly contacted me by phone, including threats of repossession, even though repossession was impossible because the vehicle had already been declared a total loss months earlier.

I sent multiple written notices explaining the total loss, insurance payments, and account status, and I explicitly requested that all further communication occur
via USPS mail only. Honda Financial ignored this written request and continued calling.

At the same time, Honda Financial incorrectly reported late payments from XX/XX/year> forward, despite the vehicle being stolen and declared a total loss. This inaccurate reporting escalated to a charge-off, reflecting an incorrect balance that fails to account for : XXXX insurance payment of {$31000.00} GAP insurance payment of {$2400.00} My XX/XX/year> payment of {$870.00} The legal extinguishment of consumer liability following a total loss Honda Financial was placed on notice multiple times and failed to conduct a reasonable investigation or correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I entered into a Retail Installment Sales Contract with XXXX XXXX that identified the dealer as the Seller-Creditor and disclosed a security interest only in favor of the dealer. The executed contract did not disclose that any assignee would have or acquire a security interest, nor did it identify XXXX XXXX as a secured creditor. 
Under the Truth in Lending Act, where credit is secured, the contract must disclose the identity of the creditor and the fact that a security interest has been taken ( 15 U.S.C. 1638 ( a ) ( 1 ) and 1638 ( a ) ( 9 ) ; 12 C.F.R. 1026.18 ( a ) and ( m ) ). These disclosures must be complete at consummation and can not be corrected after the fact. 
The failure to disclose any secured interest for an assignee has resulted in disputed enforcement activity and consumer harm, including asserted repossession authority by a party not disclosed as a secured creditor in the executed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

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 explanation
Consumer complaint received 2025-12-27 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: IA

Complaint narrative:
After checking my credit report I noticed a wave of fraudulent activity reporting on my report these accounts are harming to my file moving for and according to the XXXX I have the legal right to dispute and remove these items.

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 2025-12-27 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: IA

Complaint narrative:
After checking my credit report I noticed a wave of fraudulent activity reporting on my report these accounts are harming to my file moving for and according to the XXXX I have the legal right to dispute and remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an XXXX alert that there was a hard credit pull through capital one on XX/XX/XXXX. This was not me. I called capital one and they could only tell me that it was an application for a credit card directly with capital one and someone used my phone number and name for the credit card.They told me to call XXXX and report so I did. XXXX told me to report this as fraud and identity theft. This forum seems to be a complaint so I hope this is correct but given the options presented, this is the closest match to the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This is my second complaint against this company because its prior CFPB response confirms ongoing violations of the FDCPA and FCRA. The company continues to report this account despite never providing proper validation or conducting a lawful reinvestigation. What they sent does not constitute validation under FDCPA 1692g ( b ) or verification under FCRA 623 ( b ). They failed to provide the original signed contract, a complete itemized account history, proof of ownership with a valid chain of assignment, payment application records, or XXXX compliant data. Their reliance on conclusory statements, internal summaries, and after-the-fact documents does not meet federal standards and proves they never verified the accuracy of the information being furnished. Despite receiving disputes through the credit bureaus, which legally trigger reinvestigation duties, the company continued furnishing this tradeline without proper dispute coding, in violation of FCRA 623 ( b ) and XXXX XXXX XXXX. At this point, the statutory reinvestigation period has long expired, and the company is willfully furnishing unverifiable and misleading information. Continued reporting after failure to validate constitutes knowing noncompliance, exposing the company to civil liability under FCRA 616617 and FDCPA 813. This complaint is submitted to document willful violations and preserve my right to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have disputed this account through experian and now previously the CFPB. Credit Acceptance furnished documents about the payments on that account. I AM DISPUTING THE FACT THAT THIS ACCOUNT IS NOT MINE. THEY HAVE A WRONG DATE OF BIRTH ALONG WITH A WRONG ADDRESS. My information had to be merged and a file review had to be done along with a detachment as my information was mixed in with another person who had the similar name in transunion. MY MIDDLE INITIAL OR MIDDLE NAME IS NOT ANYWHERE ON THAT PAPERWORK. XXXX and XXXX have both deleted this Credit Acceptance account off of my credit report. Last time I disputed this account through Experian was on XXXX and the dispute came back updated even after I requested verification of the details of that account. CREDIT ACCEPTANCE HAS NO VERIFICATION THAT THIS ACCOUNT IS MINE. I PERSONALLY SPOKE TO A REPRESENTATIVE WHO STATED THE XXXX ON THIS ACCOUNT IS XX/XX/XXXX, The address also on that contract is a building with XXXX apartments and they dont even have an apartment number on there. I received XXXX letters stating the requests were frivolous and then after I sent them physically signed I then disputed this through XXXX and they do not want to remove this.This account is from XXXX and is still on my credit. I believe the timeframe is XXXX years an account can be on a credit report. Please help as I have tried XXXX and credit acceptance and they are both not helping this is hurting me financially.

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am formally disputing Aidvantage/Department of Educations inaccurate and inconsistent credit reporting for my federal student loan account ( reported as DEPT OF ED/AIDVANTAGE, Account/Loan ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAcross my credit reports, the same loan is being reported with materially conflicting information. For example, XXXX bureau reports the account as Current with {$0.00} balance and {$0.00} past due, while another bureau reports a balance and past-due amount and a serious delinquency status ( e.g., Late XXXX Days ). Both versions can not be simultaneously accurate, and this inconsistency is misleading and damaging. 

I previously disputed this reporting and provided documentation, including a XXXX IRS Form XXXX ( Cancellation of Debt ) issued for this loan and my XXXX tax filing showing I reported the canceled debt as income. Aidvantages response did not address the core dispute. Instead, they provided generic payment instructions and stated that a XXXX is not a valid form of payment. I did not claim a XXXX is a payment method. My dispute is that Aidvantage reported a cancellation-of-debt event to the IRS, yet continues to furnish delinquency/balance information to consumer reporting agencies and has not provided documentation supporting the accuracy of the reporting. 

Aidvantage has not provided a complete, evidence-based investigation or the underlying records proving the balance, past-due amount, and delinquency status are accurate. I am requesting CFPB assistance to require a documented investigation and correction of the inaccurate reporting ( or, if the XXXX was issued in error, issuance of corrected tax documentation and corresponding corrections to all credit bureaus ).

Company response to consumer: Closed with explanation