vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-29 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX, from XXXX XXXX XXXX in Maryland and financed it through American Credit Acceptance ( ACA ). I was a first-time car buyer and believed all documentation submitted at the time of sale was correct. However, I later discovered that the insurance listed on the financing paperwork specifically on the Agreement to Provide Physical Damage Insurance form was not for the new XXXX I was buying, but for a XXXX XXXX I had traded in. That old policy was liability-only and under my mothers name. I did not realize this mistake was being made at the time. 

The XXXX salesperson documented on the official insurance form that I had full coverage ( collision and comprehensive ) on the XXXX, using a policy number tied to my mothers liability-only insurance on the traded-in XXXX. At no point did I knowingly provide that information. This documentation was used to finalize the ACA loan and release the car. 

I did obtain a XXXX insurance policy on the XXXX beginning XX/XX/XXXX. However, I did not realize that I did not have full coverage on the vehicle I only had liability. I was never told that full coverage was a requirement by ACA, nor was it verified by ACA before the loan was disbursed. 

On XX/XX/XXXX, I hit a deer on the highway. My vehicle was severely damaged and was later declared a total loss. Because I lacked comprehensive or collision coverage at the time of the accident, there was no insurance payout and I was left with no car, a large loan balance, and no transportation. 

I lost my job shortly afterward due to not having a way to commute. 

This entire situation could have been avoided if either ACA had verified the insurance as required by their own financing rules, or if XXXX had not submitted misleading insurance information. I believe I was taken advantage of as a first-time car buyer and that the missteps by both parties resulted in me suffering financial harm. 

I have submitted a written dispute to ACA. They have responded by threatening repossession, rather than reviewing the loan or acknowledging the serious documentation issues that led to this. I am seeking intervention from CFPB to investigate this loan origination process and require ACA and/or XXXX XXXXo assume responsibility for their part in allowing this sale and loan to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-29 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 assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under USC 1681g, I am officially requesting their removal within 15 days. I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across all major credit bureaus.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and unverifiable information being reported on my credit reports by IC Systems Inc. / Acct # XXXX. The account listed is causing significant harm to my creditworthiness and I have already initiated disputes with the credit bureaus ( XXXX XXXX XXXX XXXX XXXX 
Despite following the appropriate dispute process, this company has failed to provide proper verification, such as a copy of the original contract or documentation showing I owe this debt. In some cases, no original creditor has been named. These reporting practices are in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Violations include : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to properly reinvestigate and verify disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Unverifiable data must be removed.

15 U.S.C. 1681s-2 ( b ) : Furnisher 's failure to conduct a reasonable investigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
SUNRISEXXXX   is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISEXXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-07-29 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: AL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-07-29 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii garnished my account charged me {$90.00} garnishment fee then they took extra money from me for garnishment they didn't give me my money back, I closed my account unhappy I tried to reopen my account they said no, please help me get my money and reopen my account thank you very much. No correspondence from them whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), for inaccurate payment processing, improper assessment of late fees, and mishandling of my account recordsresulting in undue financial and emotional stress. 

Background : I have been charged late fees for XXXX, XXXX, and XX/XX/year>, despite having made on-time or early payments for each of these months. The issue appears to stem from a missed payment in XX/XX/year>, which has caused their system to misapply subsequent payments and misrepresent my payment history. 

Payment Details ( all verifiable via bank records ) : XX/XX/year>XXXX  Paid via checking account for the XX/XX/XXXX due date XX/XX/year>XXXX  Paid for the XX/XX/XXXX due date XX/XX/year>XXXX  Paid for the XX/XX/XXXX due date XX/XX/year>XXXX  Paid for the XX/XX/XXXX due date Despite these timely payments, Mr. Cooper has charged me late fees for XXXX, XXXX, and XXXX, which are inaccurate and unjustified. I have already supplied transaction IDs and payment confirmations to XXXX XXXX customer service team ( email and chat support ). However, they continue to maintain inaccurate records and demand full bank statements, which I should not be obligated to provide to correct their internal clerical errors, although I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-29 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: CA

Complaint narrative:
I want to emphasize that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy, as outlined under the Fair Credit Reporting Act ( FCRA ). These reporting errors are continuing to have a serious and unjust impact on my financial well-being during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I am writing in response to your attempt to collect a debt. I do not acknowledge ownership of this debt and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am requesting the following : The amount of the alleged debt. 

The name of the original creditor. 

Proof that you are legally authorized to collect this debt. 

A copy of the original contract or agreement bearing my signature. 

A complete payment history and breakdown of any interest, fees, or other charges. 

Until you provide this information, you must cease all collection efforts, including reporting this debt to credit bureaus. If you have already reported it, you must notify them that the debt is being disputed. 

Please note that under the FDCPA, any attempt to collect on a debt without proper validation is a violation of federal law. 

This letter is not a refusal to pay, but a request for validation. Upon receipt of the required documentation, I will determine my position on this matter. 

I expect a response within 30 days, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I'm filing this complaint because Experian is still reporting two unauthorized and unverified accounts on my credit report : XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ). I already disputed these accounts and provided all supporting documents, including my ID and utility bill, so there's no reason they should still be showing. These accounts were reported without my written consent, which violates 15 U.S.C. 1681b ( 2 ). Under the FCRA, a consumer report may only be furnished when I give written instructions, and I never did. I also previously identified these as related to identity theft and submitted proper documentation, which triggers 15 U.S.C. 1681c-2. Experian was required to block or delete the information within 15 business days, and they failed to do that. As of today, I am formally requesting Experians Method of Verification under 15 U.S.C. 1681i ( 7 ), I want to know who they contacted, how they verified it, what documents were reviewed, and where they got a wet signature if theyre claiming this was authorized. Just saying verified is not enough. Theyre also violating 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Reporting unauthorized data that Ive already disputed shows they are not fulfilling that duty. This has seriously impacted my credit and harmed opportunities related to my business. I'm demanding the immediate deletion of both accounts, a full Method of Verification response, and an updated copy of my report. Im giving Experian 15 days to fix this or I will escalate this matter, including legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. This is not a new issue ; Ive tried resolving it before, and now I expect it to be taken seriously.

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