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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on the date in question ; therefore, I request that this unauthorized inquiry be investigated and removed from my report as soon as possible.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Complaint I am submitting this complaint regarding TransUnions, Equifaxs, and Experians failure to accurately investigate and update the reported balance on my XXXX XXXX XXXX XXXX credit card account ending XXXX. 

TransUnion, Equifax, and Experian continues to report a {$1100.00} balance despite the account currently showing a {$20.00} balance and a {$0.00} statement balance with no payment due, as confirmed by the furnishers own records. This {$1100.00} amount represents an outdated mid-cycle snapshot and does not reflect my actual statement-cycle balance or current account status. 

I provided TransUnion, Equifax, and Experian with documentation clearly showing the correct balance ; however, TransUnion, Equifax, and Experian verified the outdated balance without conducting a reasonable reinvestigation or reconciling the discrepancy between current, statement, and reported balances. This indicates TransUnion, Equifax, and Experian relied solely on automated furnisher confirmation rather than performing the independent verification required under FCRA 611 ( a ).

As a result, TransUnion, Equifax, and Experian is reporting materially inaccurate and misleading information that inflates utilization and causes ongoing consumer harm. TransUnions, Equifaxs and Experians handling of this dispute fails to meet its statutory obligation to ensure maximum possible accuracy.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation o

f 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and updat
e the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to disclose how much is the amount of the outstanding current and past dues escrow Disclose the exact amount of CURRENT escrow surplus ( not projected )

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint to request CFPB assistance in obtaining the removal of an account being inaccurately reported by Credit Acceptance Corporation on my consumer credit reports. 

This account has been disputed and verified, yet XXXX XXXX has failed to provide legally sufficient documentation proving the accuracy, completeness, and enforceability of the information being furnished, as required by federal law. 

# # # Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation and verify disputed information with competent evidence. To date, Credit Acceptance has not provided : 1. A copy of a fully executed retail installment contract bearing my signature.

2. A complete and itemized payment history showing how the reported balance was calculated.

3. Proof that the reported Date of First Delinquency is accurate and has not been improperly re-aged in violation of FCRA 1681c ( a ).

4. Documentation demonstrating Credit Acceptances authority to report this account with complete accuracy.

Additionally, pursuant to FCRA 1681i ( a ) ( 7 ), I requested the method of verification used to confirm this account. No meaningful explanation or documentation was provided. Automated or conclusory verification does not meet the standard of a reasonable investigation.

# # # Inaccurate and Unverifiable Reporting Because Credit Acceptance can not substantiate the account with the required documentation, the continued reporting of this account constitutes the furnishing of unverifiable and potentially inaccurate information, which is prohibited under the FCRA. 

Federal law is clear : information that can not be verified must be deleted, not merely confirmed through automated processes. 

# # # Requested Resolution I am requesting that the CFPB require Credit Acceptance Corporation to take XXXX of the following actions : - Immediately delete this account from all consumer reporting agencies, or - Provide full documentary evidence substantiating the accounts accuracy and legal enforceability. 

Absent such documentation, continued reporting causes ongoing harm and violates my rights as a consumer. 

I respectfully request that the CFPB ensure Credit Acceptance provides a substantive, documented response, and that this matter be resolved through permanent deletion of the account if compliance can not be demonstrated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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: 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice.

Please note : I am not admitting responsibility for any account reported.

Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted.

Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes.

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
It started on the XX/XX/year> there was a total of XXXX and as soon as I noticed I contacted the bank. They started charging my account overdraft fees over and over. Someone stole my temporary bank card and was using it.

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

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice.

Please note : I am not admitting responsibility for any account reported.

Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted.

Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes.

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice.

Please note : I am not admitting responsibility for any account reported.

Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted.

Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes.

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}, 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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have tried to close my accounts with NAVY FEDERAL CREDIT UNION. I don't want an account because they allow charges to go through and keep the account open despite my wishes and desires to close all accounts and debit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation