vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
According to my records, the Date of First Delinquency ( DOFD ) for this account was reported on XX/XX/XXXX, which makes this account over 7 years old. Negative accounts, including repossessions, may not be reported beyond 7 years from the DOFD. On my credit report it is reporting that the repossession took place XXXX of XXXX, and this false reporting and this is illegal. I request that you investigate this account with the creditor and remove it from my credit report immediately, as continuing to report it violates the FCRA law under Section 605 ( a ) : Limits most negative items to 7 years from the date of first delinquency. This company has sold this account to another debt collection agency, and I have never signed any documentations/ forms/ that involving me with this company.

* * * * Re-aging an account ( changing the DOFD to make it appear more recent ) violates this section.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is not my account. I have never seen this. Its fraudulent

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 2025-09-30 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: NC

Complaint narrative:
This is not my account. I have never seen this. Its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
This letter serves as a dispute of the late payment currently reported on my credit profile. The entry is incorrect, inconsistent with my documented payment records, and unjustly damaging to my credit reputation.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Between XXXX XXXX and XX/XX/XXXX my mortgage with Fifth Third Bank was in an approved forbearance plan due to financial hardship. I stayed in contact with the bank and followed all procedures they instructed. 

Despite this, in the last XXXX months Fifth Third wrongfully initiated foreclosure proceedings twice on my loan and falsely reported me as delinquent to the credit bureaus. In early XX/XX/XXXX, after repeated calls, a representative from the XXXX XXXX XXXX XXXX confirmed to me that these actions were the result of an internal error by Fifth Third. 

By the time this was disclosed, the damage had already occurred. Because of the inaccurate credit reporting I was denied an auto loan through XXXX XXXX XXXX XXXX, which in turn caused me to lose a {$9000.00} tradein offer on my vehicle. When I reapplied a week later, the tradein value had dropped to {$7000.00}, a {$2000.00} direct loss. The wrongful foreclosure reporting also caused extreme stress and has disrupted our ability to replace our family vehicle with a safer, larger XXXX. 

More recently, the same Fifth Third representative attempted to retract the admission of error, claiming she had misspoken. This reversal has further compounded our hardship and left us without a clear resolution. 

I am requesting that Fifth Third : Permanently correct and remove all inaccurate credit bureau entries, Provide written confirmation that the foreclosure actions and delinquency were in error, Compensate me for the provable {$2000.00} loss caused by the denial of credit, And offer an auto loan under terms I would have qualified for had the false reporting not occurred. 

This situation continues to cause ongoing financial and emotional harm to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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, someone has used my personal information to open this account I have never gave anyone permission or authorization to open this account without my consent

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 2025-09-30 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open this account I have never gave anyone permission or authorization to open this account without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am submitting this dispute regarding the XXXX XXXX XXXX ( XXXX  XXXX ) account, which has appeared on my credit report multiple times despite previous disputes. I have requested this account be deleted on more than XXXX occasions. The repeated reporting of this account is inaccurate, incomplete, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
XXXXI am submitting this formal dispute under the Fair Credit Reporting Act (FCRA), Section 611 [15 U.S.C. 1681i], which grants me the right to challenge any credit file information that is inaccurate, outdated, or unverifiable.XXXXI am disputing the following items currently appearing on my credit report:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request a full review of these addresses and account information to determine if they are correctly associated with my credit file. If any of these entries are outdated, duplicated, fraudulent, or incorrectly reported, they must be updated or removed in compliance with FCRA requirements.XXXXPlease provide me with the results of your reinvestigation in writing. If any of the above information cannot be fully verified, it must be promptly corrected or deleted from my credit report as required by federal law.'

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 2025-09-30 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: LEXISNEXIS
State: GA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v.s Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX BALANCE {$1500.00}

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 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have several accounts on my credit report that I did not authorize and I did not open. I have several inquiries on my credit report from companies that I never have dealings with. I did not authorize these inquiries nor these accounts. They are a result of fraudulent activity. I found an FTC Trade report on the inquiries as well as the accounts XXXX XXXX Capital is a debt collection agency they are reporting that I owe a debt to them. I have told them that I do not owe a debt to them and demanded that they cease communication and collection of the debt with me, and they still have continued to contact me and report the in accurate debt Capital one is reporting that an account with them is open and also that it's closed on another bureau. These reporting are inaccurate and not correct because they are reporting differently and reporting a fraudulent account. This is a violation of the FCRA and indirect violation of the FTC policies. 

XXXX is also reporting an account on my credit report. I've never had any dealings with XXXX never authorize anyone to use my information to open an account with XXXX XXXX. Have fit has failed to verify this day as well as the other creditors have failed to verify those dates otherwise they would have solved it. I was not the one that opened these accounts. 

The attorney General 's office is reporting child support on my credit report. I have not never been on child support. I have never owed child support. This is an accurate. I've also filed complaints against the AOG office and they they have failed to verify these accounts and remove the account I DEMAND THAT CAPITAL ONE AND XXXX XXXX  AND XXXX STOP REPORTING THESE INACCURATE FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 have several accounts on my credit report that I did not authorize and I did not open. I have several inquiries on my credit report from companies that I never have dealings with. I did not authorize these inquiries nor these accounts. They are a result of fraudulent activity. I found an FTC Trade report on the inquiries as well as the accounts XXXX XXXX XXXX is a debt collection agency they are reporting that I owe a debt to them. I have told them that I do not owe a debt to them and demanded that they cease communication and collection of the debt with me, and they still have continued to contact me and report the in accurate debt XXXX XXXX is reporting that an account with them is open and also that it's closed on another bureau. These reporting are inaccurate and not correct because they are reporting differently and reporting a fraudulent account. This is a violation of the FCRA and indirect violation of the FTC policies. 

XXXX is also reporting an account on my credit report. I've never had any dealings with XXXX never authorize anyone to use my information to open an account with XXXX XXXX. Have fit has failed to verify this day as well as the other creditors have failed to verify those dates otherwise they would have solved it. I was not the one that opened these accounts. 

The attorney General 's office is reporting child support on my credit report. I have not never been on child support. I have never owed child support. This is an accurate. I've also filed complaints against the AOG office and they they have failed to verify these accounts and remove the account I DEMAND THAT XXXX  XXXX AND XXXX XXXX  AND XXXX STOP REPORTING THESE INACCURATE FRAUDULENT 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
They took all my info when I filed dispute against XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX, TX THEY DOUBLECHARGED ME AND REP CONFIRMED THEN THEY TOLD ME SINCE CHARGES WERE OVER 60 DAYS THEY WOULDNT HELP. WHY DIDNT HE TELL ME THAT BEFORE I FILED DISPUTE? XXXX AKA NETSPEND HAS XXXX, XXXX OF CONSUMER COMPLAINTS AND THEY HAVE MADE ERRORS SEVERAL TIMES IN THE PAST AND THE REPS LIE! VERY UNPROFESSIONAL AND ILLEGAL! I WANT MY DISPUTE TO BE CREDITED BACK ITS OVER {$2500.00}! THEY ARE THE ONES WHO NOTIFIED ME OF THE DOUBLECHARGES BY THE HOTEL! I WAS IM DISTRESS, SICK AND NOT FEELING WELL AND IT TOOK A FEW MONTHS FOR ME TO RECOVER. I HAVE RECIEPTS FRO. THE ER NEAR THE HOTEL.

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 2025-09-30 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: ID

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-30 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:
Recently, I carefully reviewed my credit reports and was alarmed to find numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet several accounts are being reported inconsistently, misleadingly, and in some cases, without proper verification. 

I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am requesting a thorough reinvestigation of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These errors have a direct and negative impact on my ability to accurately represent my creditworthiness. I request that Equifax, TransUnion, and Experian conduct a full reinvestigation of the disputed accounts and address associations, correct or remove any inaccurate, incomplete, or unverifiable entries, and provide written confirmation of the results within the time allowed by law.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that I am disputing your claim and requesting full validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : 1. The name and address of the original creditor.

2. The exact amount of the alleged debt, with an itemized statement showing how it was calculated.

3. Copies of any agreement or contract bearing my signature that makes me legally obligated to pay.

4. Proof that you are licensed to collect debts in [ your state ].

5. Documentation that you own the debt or have been assigned to collect it. 

Until you provide proper validation, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, you must immediately inform the credit bureaus that the debt is disputed. 

Please note that any attempt to collect without providing the requested validation is a violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and other appropriate authorities. 

I request that all further communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am writing to dispute fraudulent accounts currently appearing on my credit report. I did not authorize or open these accounts, and their continued reporting is both false and damaging. These inaccuracies are misleading and compromise the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 writing to formally dispute inaccurate information appearing on my credit report concerning several late accounts. I take my financial obligations seriously, and it is both troubling and harmful to see my credit history misrepresented in ways that could damage my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) specifically 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of reported information, and 1681i ( a ), which mandates reinvestigation of disputed items I am requesting a thorough reinvestigation of the following accounts : XXXX XXXX Balance : {$6.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX/XXXX  XXXX Balance {$3800.00} XXXX/XXXX  XXXX Balance {$6300.00} XXXX/XXXX  XXXX Balance {$130.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXX Balance {$3000.00} XXXX/XXXX  XXXX Balance {$6400.00} XXXX/XXXX  XXXX Balance {$2000.00} XXXX/XXXX  XXXX Balance {$4800.00} LATE CLOSED : XXXX XXXX XXXXXXXX Balance {$0.00} These accounts appear to contain inaccurate, inconsistent, or unverifiable late payment histories. Such reporting fails to reflect my true payment record and creates a misleading portrayal of my financial responsibility.

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