vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The account with Credit Acceptance is being reported on my credit report with a balance of {$18000.00}, but the attached document from Credit Acceptance shows that the final amount due after the vehicle was sold at auction was {$17000.00}. 

Despite the account being closed and repossessed, the credit report continues to update the balance monthly with added interest, causing ongoing negative reporting. 

I request that the company and credit bureau investigate and correct the reporting to reflect the accurate final balance and stop further monthly updates.

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 monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
b'Summary:\nI am filing this complaint again because since writing the 1st complaint to CFPB about PNC and handling the dispute. Again, PNC Bank has refused to refund an unauthorized charge on my account, stating they cannot get the funds back from the merchant. This matter has been ongoing for well over 90 days, and I am requesting immediate intervention to ensure my funds are returned.\n\nDetails:\nI reported an unauthorized charge on my PNC Bank account within the required time frame and provided all necessary documentation both personal and media/news. Despite this, PNC has denied my refund, claiming they are unable to recover the funds from the merchant. This is not a valid reason under the Electronic Fund Transfer Act (EFTA) and Regulation E, which clearly state that a financial institution must investigate and reimburse the consumer for unauthorized electronic transactions regardless of whether the merchant returns the funds.\n\nPNC has failed to issue a provisional credit or final refund within the required regulatory time frames. The banks inaction for more than 90 days has caused financial hardship and appears to be a direct violation of my consumer protection rights.\n\nRequested Resolution:\nI am requesting that the CFPB take immediate action to require PNC Bank to:\n\n1. Immediately refund the unauthorized charge(s) to my account,\n2. Provide a written explanation detailing how their decision aligns with Regulation E, and\n3. Ensure PNC properly follows federal guidelines for unauthorized transaction investigations going forward.\n\nDISPUTE AMOUNT \n$XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-22 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:
Re : Dispute of Charge-Off Account - XXXX XXXX XXXX XXXX Account Number : XXXX Charged Off Amount {$18000.00} I have requested debt validation and this company has continues to conduct a batched investigation if any. They have continuously mailed stall letters to me via USPS. I have sent in FTC Affidavit outlining that I am a victim of Identity Theft. I demand the following : 1. Securitization history if ever securitized.

2. Proof that I owe the alleged debt.

3. XXXX Record 4. Double Entry Accounting Record 5. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy. 
6. The date of charge-off and the reason for the charge-off.

7. Any documentation of a 1099-C issued in connection with the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
WHAT HAPPENED : XXXX FAILED TO PROVIDE A LEGITIMATE OR CONSISTENT HARDSHIP PROGRAM DESPITE MY DOCUMENTED JOB LOSS AND MULTIPLE REQUESTS FOR ASSISTANCE. INSTEAD OF PLACING MY ACCOUNT INTO A FORMAL PLAN WITH REDUCED OR FIXED PAYMENTS, ASPIRE ONLY OFFERED A ONE-MONTH TEMPORARY REDUCTION TO {$25.00} WHILE CONTINUING TO CHARGE INTEREST AND LEAVE THE ACCOUNT VULNERABLE TO ADDITIONAL FEES. 

THIS IS UNFAIR AND INCONSISTENT, AS XXXX ( UNDER THE SAME SERVICER, XXXX, AND XXXX XXXX, XXXX XXXX XXXX XXXX ) APPROVED A 0 % APR HARDSHIP PROGRAM WITH FIXED PAYMENTS AND NO LATE FEES. ASPIRES FAILURE TO EXTEND SIMILAR TREATMENT UNDER THE SAME BANKING STRUCTURE SHOWS BAD FAITH AND UNEQUAL CONSUMER PRACTICES. 

I HAVE FILED FORMAL COMPLAINTS WITH THE DFPI AND WILL CONTINUE ESCALATING IF THIS IS NOT CORRECTED. I AM REQUESTING IMMEDIATE ENROLLMENT INTO A MATCHING HARDSHIP PROGRAM AND REMOVAL OF ANY FEES OR NEGATIVE REPORTING RESULTING FROM THEIR FAILURE TO ASSIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against Experian, for their continued failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding my credit disputes.

On multiple occasions, I submitted written disputes requesting verification and documentation of several accounts appearing on my credit reports. The bureaus either failed to respond within the 30-day period required by law or provided incomplete and unverified results without supplying the underlying documentation, contracts, or signatures that substantiate the accounts.

This is a clear violation of the FCRA, specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ), which require credit reporting agencies to conduct a reasonable reinvestigation and provide the consumer with all relevant information obtained from the furnisher of information. 

Because of their negligence and failure to comply, I have suffered unnecessary credit damage, emotional distress, and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
I am filing this complaint against Experian, for their continued failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding my credit disputes.

On multiple occasions, I submitted written disputes requesting verification and documentation of several accounts appearing on my credit reports. The bureaus either failed to respond within the 30-day period required by law or provided incomplete and unverified results without supplying the underlying documentation, contracts, or signatures that substantiate the accounts.

This is a clear violation of the FCRA, specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ), which require credit reporting agencies to conduct a reasonable reinvestigation and provide the consumer with all relevant information obtained from the furnisher of information. 

Because of their negligence and failure to comply, I have suffered unnecessary credit damage, emotional distress, and financial loss.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Repeated phone calls where I am asked to provide " representative information '' and given very vague information about a " financial matter ''. When pressed for details the callers try to over talk and redirect me to accusations and questions about past correspondence. After being transferred and asking repeatedly on one call I was finally able to get the name of the company they are " working on behalf of '', LVNV Financing. The address I was given is XXXX XXXX XXXX. XXXXXXXX XXXX. When pressed for details about the supposed debt I was told it was 6 yrs old and then 8 years old. I was told I could not know the exact amount that was initially borrowed as it was part of " proof against me ''. I was also told that the debt could've been from a credit card, appliance purchase, pay day loan, or any number of other entities but that I should know which. I have XXXX mins of recorded conversation ( transcript attached ) as these topics are covered on XX/XX/scrub>XXXX at XXXX. I was threatened to be sued and that I would " face legal consequences '', negative employer effects, social security impacts, and garnished wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Make sure disputed accounts are deleted promptly, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX  XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX BANK - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> 2024

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 2025-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax credit report, there are several hard inquiries that are not related to any open or active accounts. I never provided written authorization for these companies to access my credit file, and no resulting credit relationship or account was ever established. Therefore, these inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are not associated with any open or valid account and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were added without permissible purpose or my consent, in direct violation of the FCRA. 

I am citing the following legal provisions : 15 U.S.C. 1681 Section 602A : I have the right to privacy regarding my consumer credit information. 

15 U.S.C. 1681b ( Section 604A ) : A credit report may only be furnished with the consumers written authorization or a permissible purpose.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : A data furnisher shall not report inaccurate or unverifiable information.

15 U.S.C. 1681n and 1681o : These sections establish civil liability for negligent or willful noncompliance with the FCRA.

I request that Equifax investigate and remove these unauthorized inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am disputing XXXX accounts that are being reported inaccurately on my credit report. 
XXXX. XXXX, XXXX ( XXXX Account ) : This account appears to be a medical bill that should not be reported under federal privacy laws. It showed up on my credit report around XX/XX/XXXX with a balance of about {$500.00}. I never authorized the sharing of any medical information, and the company has not provided validation or proof that I owe this debt. Reporting this account violates HIPAA privacy rules and the Fair Credit Reporting Act, which limit the reporting of medical data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account involves a vehicle that was voluntarily surrendered in XXXX. Even though it was a voluntary repossession, the company continues to report the account as an active derogatory debt with inaccurate payment information. I requested validation several times, but they have not provided any supporting documents or corrected the reporting. This violates the FCRA because the company is furnishing information they know or should know is inaccurate. 
I sent written disputes to the credit bureaus asking for an investigation and deletion of both accounts, but they remain on my report. These inaccurate items are harming my credit and ability to qualify for credit and housing. 
I am requesting that the CFPB investigate both accounts and require the companies to provide complete validation or have the accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Complaint Against TD Bank Improper Account Closure, Misleading Information, and Unjust Fees TD Bank closed my account without any prior notice or explanation. When I called customer support, the representative confirmed that the account was closed, so I withdrew my remaining funds. 

However, after that call, TD Bank continued to allow transactions to go through, which resulted in overdraft and maintenance fees on an account they themselves had confirmed was already closed. 

When I called back, I was then told only the debit card was closed, not the full account but TD Bank could not provide any reason for why the debit card was closed or why I was told the account was fully closed in the first place. This was contradictory and misleading. 

I specifically requested that the account be frozen immediately and that no further transactions be allowed, to prevent additional fees. TD Bank refused to do so. 

This behavior caused financial harm and stress, and I believe TD Bank is engaging in unfair practices by generating fees from an account closure situation they caused and mishandled. They gave me different information each time I called, and did not give me any written notice or explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: OK

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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