vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Upon reviewing my XXXX credit reports, I noticed there were many inaccuracies and missing information from the Credit Acceptance Corp account. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, " A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please conduct a reasonable and thorough investigation into this matter within 30 days in compliance with the FCRA. If my rights continuing to be violated and this issue can not be resolved, I intend to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-04-04 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-05 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: AZ

Complaint narrative:
To Whom It May Concern, I am demanding the immediate removal of multiple inaccurate, unverifiable, and misleading accounts being reported on my Experian credit report. Additionally, you have associated my credit file with a completely incorrect name : XXXX XXXX. This name has no connection to me whatsoever and is a serious identity error that must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and verify the accuracy of any disputed information within 30 days. The accounts listed below have not been properly verified, lack supporting documentation, and in some cases contain duplicate or outdated data. 

I demand the immediate deletion of the following accounts : XXXX XXXX XXXX  XXXX Account # XXXX {$0.00} Balance XXXX XXXX XXXX  XXXX Account # XXXX {$0.00} Balance XXXX XXXX XXXX Account # XXXX {$14000.00} Balance / {$0.00} Payment XXXX XXXX XXXX Account XXXX XXXX {$12000.00} Balance / {$510.00} Past Due These accounts must be deleted for the following reasons : No valid, signed contract has been provided to prove ownership or liability for these debts. 

Some accounts report {$0.00} balances or contain no payment data yet are still marked derogatory. 

Conflicting or duplicate entries exist for the same debts, violating accuracy requirements under FCRA. 

Experian has associated my credit file with a completely inaccurate name, XXXX XXXX, which is a clear identity error and indicates potential file mixing or misreporting. 

If you fail to delete these accounts and correct the personal information errors within five ( 5 ) days, I will take the following actions without further notice : File formal complaints with the CFPB, FTC, and my State Attorney Generals Office. 

Contact the original creditors and debt collectors directly to request full validation. 

Initiate legal proceedings for willful violations of the FCRA under 15 U.S.C. 1681n, including claims for statutory and punitive damages. 

Experian has already failed to comply with the law by continuing to report unverifiable and inaccurate information, and this letter serves as your final opportunity to correct the record. 

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: MT

Complaint narrative:
PREVIOUS SUBMITTED COMPLAINT NOT ADDRESSED CFPB Case # : XXXX KeyBank Case # : XXXX These fees were all charged and not credited. 
XXXX {$12.00} XXXX {$9.00} XXXX {$6.00} XXXX {$6.00} XXXX {$30.00} XXXX {$15.00} = {$78.00} in fees that do not even make sense. A {$30.00} ATM fee? {$15.00}? {$9.00}? 
This money is owed to me. These fees should never have been charged. You stole my money, and then did not even address them in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AZ

Complaint narrative:
I attended XXXX  XXXX XXXX and XXXX XXXX. 
I acknowledge that I have outstanding loan balances, however, the amount of money I am being advised through Federal Student Aid and what has been reported to the credit bureaus is not accurate. I contacted the Federal Student Aid and obtained the amounts owed for the years I attended the XXXX  XXXX XXXX. I was informed during my call on XX/XX/year> that I owed approx. {$47000.00}. I also received the balances owed for XXXX XXXX  on the same call. I was informed I owed approx. {$91000.00}, which totals approx. {$130.00}. He also informed me I had about {$6000.00} in accumulated interest. 

I filed a complaint with the Federal Student Aid as instructed and simply received what my loan balances were. My inquiry regarding the concern with the vastly different amount owing on my account and my credit report was not addressed. I have attached the response I received along with the case number from Federal Student Aid. The balance shows I owe {$200000.00}????? That is a difference of {$68000.00}, which I added the {$6000.00} in interest. 

No one can seem to make this make sense to me, I have attached the balance owed to XXXX XXXX  in the attachment and you can clearly see they state I owe them approximately {$95000.00} and you can see in the attachment what Federal Student Aid claims I owe in total, therefore it appears the rest of the money is supposed to be owed to XXXX  XXXX XXXX for approximately {$100000.00}???? How is that possible, when I told I owe them {$47000.00} ... it's obvious that something has not been calculated right and it has been impacting my credit for years now, I want this fixed. I have no problem paying the universities what I owe them, but I don't feel it is right to have me overcharged by nearly {$68000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may
make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Urgent : Regulation E Violation No Provisional Credit Issued Within Required Timeframe Dear Bank of America Claims Team and Resolution Team, I am writing to express my serious concern regarding the handling of my fraud dispute involving unauthorized XXXX XXXX transactions on my debit card. 

My dispute was originally filed on XX/XX/2025, denied on XX/XX/2025, and reopened on XX/XX/2025 after a CFPB complaint was submitted. 

Today is XX/XX/2025, and it has now been 12 business days since the claim was reopened. Under Regulation E ( 12 CFR 1005.11 ), you are required to provide provisional credit within 10 business days of receiving a claim. To date, no provisional credit has been issued. This is a violation of my rights protected by federal regulations. 

Due to this violation by my bank, I have to take high interest rate personal loans to meet my finances. I demand an additional 100 % compensation along with the disputed amount for the violation of my rights and leaving me helpless by not provisionally crediting my account within 10th business day timeframe and providing false information by XXXX XXXX XXXX ( resolution specialist ) that Regulation E does not cover it. His communication was on a recorded line by bank of america. 

Please treat this message as part of the official record, as I am updating the CFPB complaint accordingly. Also I will move forward with complain to the office of Comptroller and other agencies who the bank falls under. 

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 2025-04-04 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$1300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX Company Information Company Name : Milestone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Complaint Description I am filing a complaint against Milestone Mastercard XXXX XXXX XXXX XXXX XXXX  XXXX for unfair, deceptive, and predatory practices relating to my closed credit card account. I closed this account voluntarily, but I have continued making timely payments on the remaining balance. 

Today, XX/XX/year>, I called to request a temporary payment arrangement due to financial hardship. I spoke with an account manager named XXXX, who refused to offer any modification to my due date or payment amount. I explained I could not afford the upcoming payment due tomorrow, XX/XX/XXXX, and that I was trying to avoid delinquency by calling ahead, and would like to make new arrangements. 

XXXX stated that : The company can not and will not adjust the payment schedule under any circumstances unless the account becomes delinquent. 

The only way to receive a settlement offer or hardship relief is to fall behind on payments first. This feels like a coercive tactic to damage my credit and increase fees. 

Despite the account being closed, I am still being charged extremely high interest and a {$30.00} late fee, even though the monthly payment is already {$44.00}. 

When I asked to escalate the issue or speak to someone with higher authority, I was told she is corporate, and that someone above her would not be able to call me for XXXX business daysafter my due date. 

This timing is unacceptable and seems strategically designed to force a late payment so they can charge additional fees. I have tried to fulfill my obligations and avoid delinquency, yet XXXX has offered no flexibility or support, despite my proactive efforts and on time history. 

This type of rigid, punitive structureespecially after account closurefeels predatory and abusive. The refusal to provide even basic hardship support or immediate escalation is not only poor service, it is damaging to financially vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I disputed inaccuracies on my Equifax credit report. I sent the dispute certified mail and it was received on XX/XX/XXXX. While Equifax was actively investigating, they sent me a letter sating that they needed more proof of my identification. I sent it XX/XX/XXXX by certified mail. It has been 46 days since Equifax received my dispute. A violation of my consumer rights under 15 USC section 1681i ( a ). There have been a few updates to my account. However, what wasn't updated or verified has not been deleted. I also have not received an updated summary of the results. All of which is a violation of my consumer rights according to 15 U.S.C 1681i of the Fair Credit Reporting Act. On XX/XX/XXXX I sent another dispute letter from my XXXX credit bureau report, highlighting the same Inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX I.C. SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your 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 explanation