vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I paid off a garnishment at my local court house, and have tried to contact debt agency but they won't return my calls or call/email me regarding this. 
I have called 6 times in XX/XX/year> alone, and was hung up on 3 of those times. 
I went to my local courthouse in XXXX and they gave me a receipt of payoff and said to send a copy to the agency yet I can not contact them and get no responses back.they are utilizing XXXX XXXX XXXX XXXX XXXX, and said in court it was unpaid even though court records and the payoff receipt show I paid in cash, in person at the courthouse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

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 2025-08-13 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: GA

Complaint narrative:
Permanently delete the following fraudulent accounts and all related inquiries from my credit report : XXXX. XXXX XXXX Date of inquiry : XX/XX/year> Block all identity theftrelated data as required by 15 U.S.C. 1681c2, provide a corrected and updated credit report, and send written confirmation of the deletions and blocks within 4 business days of receiving my documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the account that I request to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the account that I request to be investigated and updated 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 2025-08-13 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 2025-08-13 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: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, I am disputing the reporting of unauthorized inquiries appearing on my credit file. The unauthorized inquiries include XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX 
These items are inaccurate and unverifiable, and their continued reporting violates my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and FCRA 1681i, which mandates reinvestigation and deletion of unverifiable information.

I demand the immediate removal of all related unauthorized inquiries from my credit report. If not removed within the statutory time frame, I reserve my right to pursue all remedies available under FCRA 616 and 617 for willful or negligent noncompliance. 

please find attached FTC report, identification and most recent electricity bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) To Whom It May Concern : I am writing to formally request the blocking of fraudulent accounts and information appearing in my credit file that resulted from identity theft, as provided under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Pursuant to this section of the law, I am providing the following required documentation : XXXX. FTC Identity Theft Report ID : XXXX XXXX. Proof of Identity : Copy of my driver 's license / state ID 3. Proof of Address : [ Utility bill, bank statement, etc. ] 4. Social Security Number : Last four digits : XXXX  No police report is required under the law to exercise my rights under 1681c-2. The FTC Identity Theft Report provided meets all statutory requirements.

The following accounts/information are the result of identity theft and must be removed from my file XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX - {$7300.00} Under 15 U.S.C. 1681c-2 ( a ), you are required to remove this information within 4 business days of receiving my request and supporting documentation. 
Please send written confirmation once the fraudulent information has been deleted and blocked from my file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am writing regarding a fraudulent {$11000.00} check deposited into my Bank of America account around XXXX XXXX XXXX XXXX. At the time, I was unaware that my physical card had been lost, as I was only using digital payments, I did not have a source of income and I was not responsible for bills at the time. I discovered the unauthorized check after not being able to access my account and then receiving account paperwork in the mail. I immediately contacted the bank, but I was repeatedly transferred, placed on hold, and given conflicting information. I was told a claim was filed, but later informed no record of it existed. I was blamed due to not reporting my lost card and treated as if I was guilty of fraud. I had no modes of transportation and didnt even have my permit or drivers license. As a college student with limited knowledge on such matters, I felt overwhelmed and unsupported.Since then, Ive struggled to recover financially and have been unable to open a new checking account at any bank due to the consequences of this fraudulent activity. I have been treated as if I were at fault, even though I am the victim. I am providing this statement in good faith to clarify the situation and to request that I be given a fair opportunity to clear my name and move 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 2025-08-13 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: AZ

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am filing a complaint According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a For

m 1099-C to both the consumer and the IRS. The absence of a 1099-C suggests that the debt has not been officially canceled, and therefore, the creditor may still be attempting to collect. However, continued negative reporting without actual collection efforts or formal cancellation may be considered misleading and damaging to my credit standing. Please remove the following Charge-Off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} Additionally, please remove this inquiry from my credit file in accordance with FCRA 619 15 U.S.C. 1681q : 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 explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am a victim of identity theft, Ive never opened any of these accounts and ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are 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 2025-08-13 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:
I am a victim of identity theft, Ive never opened any of these accounts and ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are 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 2025-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally lodge a complaint to Capital One regarding the handling and denial of my recent dispute claim ( XXXX ) involving a fraudulent transaction totaling {$18000.00}. 

I reported this transaction immediately upon discovering it was fraudulent, and I provided all relevant details and documentation to assist in the investigation. In cases of fraud, time is critical swift action by the bank can often result in recovering the funds from the receiving institution. Unfortunately, my claim was denied without a deeper investigation or any apparent effort to coordinate with the receiving bank. 
It is my firm belief that my case was not given the thorough review it required. Instead, the decision to deny my claim appears to have been made prematurely, without exhausting the available avenues to recover the stolen funds. This has left me without the financial means to cover essential expenses, and the emotional and financial toll has been devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report with XXXX contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX$0.00} Closed Is reporting on my credit and its a violation Lack of Permissible Purpose ( 15 U.S.C. 1681b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report that Discover Bank closed my account abruptly, without any prior written notice, email, or warning, and in the middle of an active dispute.

I only learned of the closure when I attempted to reset my account password online and was unable to log in. I called Discover to inquire, and the representative informed me the account was closed as a business decision offering no explanation, no specific reason, and no documentation.

At the time, I had an ongoing dispute which I reasonably believed would remain open and be processed under my rights afforded by law. By closing my account without notice, Discover cut off my access to account records, dispute updates, and the ability to meaningfully participate in the dispute process.

I believe Discovers actions may constitute violations of : Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) failure to properly continue and resolve a billing dispute before taking adverse action.

Regulation Z, 12 C.F.R. 1026.13 failure to maintain dispute procedures and provide timely written communications.

Regulation E, 12 C.F.R. 1005.11 failure to investigate and resolve an error/dispute in good faith.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & 5536 unfairly closing an account without notice, depriving me of my dispute rights. 


This action has caused harm by : Cutting off my dispute rights mid-process. 
Denying me prior notice or opportunity to respond. 
Blocking my access to transaction history needed for my dispute defense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$23000.00} Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I tried contacting all companies that I owed to and most were sold to a third party company, which one agreed to help clear my credit and charged me over XXXX dollars and nothing happened every thing is still the same. creditors are still harrassing me which its illegal to do. I've asked to clear addresses which aren't nesseary. and wrong spelling of my name

Company response to consumer: Closed with non-monetary relief