vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Central portfolio cont supposed to remove account immediately from credit reports immediately and never did fraud account

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX  reinserted a remark stating Redeemed or Reinstated Repossession on a closed and fully paid auto loan account from American Credit Acceptance.

This repossession occurred in XX/XX/XXXX, and the vehicle was recovered and the loan reinstated in XX/XX/XXXX. The account remained active and in good standing until it was fully paid off and closed in XX/XX/XXXX. For years, this remark did not appear on my XXXX credit report. 

After I submitted a goodwill request to have a 30-day late payment reviewed, this derogatory remark was suddenly re-added in XX/XX/XXXX, causing a XXXX drop in my credit score.

I believe this violates the Fair Credit Reporting Act and may constitute re-aging of derogatory information. I submitted a dispute to XXXX and a written notice to American Credit Acceptance. I am now requesting CFPB assistance in having this remark removed due to its outdated and damaging nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
I am disputing a vehicle loan account reported by XXXX XXXX XXXX. The account began in XXXX with a XXXX term, which means it should have matured and been closed by early XXXX. However, as of XXXX, this account is still being reported on my credit report as open and XXXX days late. 

I submitted formal disputes to all three credit bureaus, including XXXX, which confirmed that XXXX XXXX failed to respond to their reinvestigation request. Despite this, the account has not been corrected or removed. 

This inaccurate, outdated, and unverifiable information is severely damaging my credit. The failure to respond or update this account violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 disputing a vehicle loan account reported by XXXX XXXX XXXX. The account began in XXXX with a XXXX term, which means it should have matured and been closed by early XXXX. However, as of XXXX, this account is still being reported on my credit report as open and XXXX days late. 

I submitted formal disputes to all three credit bureaus, including TransUnion, which confirmed that XXXX XXXX failed to respond to their reinvestigation request. Despite this, the account has not been corrected or removed. 

This inaccurate, outdated, and unverifiable information is severely damaging my credit. The failure to respond or update this account violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

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 2025-07-12 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: AL

Complaint narrative:
I am disputing a vehicle loan account reported by XXXX XXXX XXXX. The account began in XXXX with a XXXX term, which means it should have matured and been closed by early XXXX. However, as of XXXX, this account is still being reported on my credit report as open and XXXX days late. 

I submitted formal disputes to all three credit bureaus, including XXXX, which confirmed that XXXX XXXX failed to respond to their reinvestigation request. Despite this, the account has not been corrected or removed. 

This inaccurate, outdated, and unverifiable information is severely damaging my credit. The failure to respond or update this account violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

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 2025-07-12 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: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts, inquiries, and personal information that do not belong to me. I submitted a notarized FTC Identity Theft Report under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), along with supporting documentation, and demanded deletion under federal law.

The credit bureaus failed to comply with their legal obligations under 15 U.S.C. 1681i and 1681s2 ( b ). They did not provide the method of verification, failed to block the disputed information within the 4-business-day period required under 1681c2, and continued to report inaccurate data.

This is a willful violation of my rights. I demand immediate deletion of all disputed items and full compliance with federal law. I am requesting the CFPB enforce corrective action and hold the companies accountable.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account XXXX Account inconsistencies among TransUnion, Experian, and Equifax in regard to the following : Date account opened XX/XX/year> vs XX/XX/year> High Credit varies Credit limits vary among all XXXX credit reporting bureaus I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am writing to dispute a charged -off account on my credit report. The acwount is listed without accurate information database, which makes it impossible for me to verity its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without accurate payment history, l am unable to have confidence in the accuracy of this alleged account.Please conduct a thorough investigation and remove the accant immediately. 
Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states Attorney Generals office. 
I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. 
Thank you for your immediate attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
On the night of XX/XX/year>, I checked my account and saw a balance of approximately {$2800.00}. I even took a screenshot as proof. The next morning, the balance dropped by over {$1200.00}, and there is no visible transaction, withdrawal, or transfer to justify this drop in the Discover account activity or pending transactions. 

I tried to contact Discover, but they were unable to give me a clear explanation. This amount was significant, and I would like a full investigation into the disappearance of funds. I can provide screenshots upon request. 

I am deeply concerned that a large amount of money can vanish without any trace or notification. Please help me get clarity and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I am filing this complaint because I previously disputed the following accounts with the credit bureaus, and they remain inaccurate. No proper correction or verification has been provided, which violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXXXXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because I previously disputed the following accounts with the credit bureaus, and they remain inaccurate. No proper correction or verification has been provided, which violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

XXXXXXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) : This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered an account from XXXX XXXX XXXX listed on my Equifax credit report, showing a balance of {$6300.00} and marked as charged off. The account was reported as opened in XX/XX/XXXX and last active in XX/XX/XXXX. I do not recognize this account, nor did I authorize any home improvement loan with this company. 

In XX/XX/XXXX, I submitted a written dispute to Equifax by certified mail, requesting verification and supporting documentation under the Fair Credit Reporting Act ( FCRA ). Specifically, I asked for a copy of the original signed contract, details about the reinvestigation process, and any documents used to verify the debt. 

To date, I have received no documentation from Equifax. The account remains on my credit file, despite my good-faith dispute. I believe Equifax has failed to conduct a proper reinvestigation and has violated my rights under FCRA 1681i and 1681g. 

This inaccurate reporting has negatively affected my credit. I am requesting the CFPBs assistance to ensure Equifax removes this unverified account from my credit report and complies with all applicable federal laws regarding dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account XXXX Account inconsistencies among TransUnion, Experian, and Equifax in regard to the following : Date account opened XX/XX/year> vs XX/XX/year> High Credit varies Credit limits vary among all XXXX credit reporting bureaus I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

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 2025-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management began contacting my father ( I am XXXX XXXX XXXX, and am completely independent legally and financially from my father ) and left him many voicemails that were intentionally meant to evoke fear in my father that something was wrong with me and someone was contacting him to let him know. My father lost his wife/my mom unexpectedly and he found out via a phone call, so this caused emotional harm and distress. Once he saw the many voicemails they consecutively left within a short period of time one morning, he called the number back because they left cryptic and intentionally fear evoking voice messages, and had They gave him information about my debt, but failed to ask any pertinent questions that the law deems appropriate, which leads someone to conclude that the intentions behind the many calls and voicemails were not to verify my contact information, but to intentionally manipulate and harass my family member into both returning their phone call to collect and disclose information illegally, but also to intimidate me into paying them via my family contacting me about this. In conclusion, Midland Credit Management acted in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Inaccurate Credit Reporting : XXXX  shows XXXX open accounts and {$0.00} balances, while XXXX  and TransUnion show XXXX open accounts and over {$270000.00} in balances, which is inconsistent and incorrect. 

Several tradelines ( e.g., XXXX student loans ) display different balances and account numbers across bureaus. 

XXXX XXXX XXXX XXXX XXXX accounts were charged off and appear on TransUnion only, not on XXXX XXXX XXXX 

Negative Accounts Reported ( TransUnion ) : XXXX XXXX XXXX XXXX | {$25000.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX | {$1100.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX  | {$12000.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) | {$10000.00} | Collection / Debt Buyer Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX Negative Account : XXXX XXXX XXXX Amount : {$10000.00} Status : Collection / Debt Buyer Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Issue : This account references XXXX as the original creditor, yet XXXX does not appear anywhere on my credit report, meaning the origin of this debt is unverifiable and potentially fabricated or misattributed. This violates FCRA requirements for furnishers and CRAs to report only verified, accurate information. 

Invalid Hard Inquiries ( TransUnion ) : Multiple inquiries from XXXX linked to the above accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are associated with disputed or unverifiable accounts and should be removed under FCRA 1681b . 

Outdated Criminal Records ( XXXX  ) : XXXX  is reporting XXXX public records found on XX/XX/XXXX, well beyond the XXXX legal reporting limit : Offense Date : XX/XX/XXXX | Disposition Date : XX/XX/XXXX Offense Date : XX/XX/XXXX | Disposition Date : XX/XX/XXXX These are obsolete per FCRA 1681c ( a ) ( 5 ) and should 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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Care credit closed my account due to 2 additional payments they claimed I presented over and above my monthly ACH payments which they claim we're returned. My financial institution and myself had a conference call together so they could speak directly with XXXX XXXX regarding these payments which they bank stated never occurred. Enclosed is the document the bank provided to me in relevant to the conference call.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Auto Finance. I did a voluntary repossession and requested information about the repossession and never got it. Account was never closed. It still shows that I am paying on the loan when the car was given to the bank. I looked up the information on the car by VIN number to see the status. It said the car was auctioned off and the balance of what was owed covered it.

Company response to consumer: Closed with explanation