vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Repossession Entry Violation of North Carolina XXXX and FCRA Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of a repossession account being reported by XXXX XXXX XXXX Bank on my credit file. The repossession reportedly occurred around XX/XX/XXXX, but the reporting appears to violate both North Carolina secured transaction law and the Fair Credit Reporting Act ( FCRA ). 



Under XXXX XXXX XXXX. XXXX through XXXX, a secured creditor must provide the debtor with proper written notice of disposition before and after the sale of any repossessed vehicle. I was never provided any notice of the intended sale, nor was I informed of how the sale proceeds were applied or the resulting balance. 



North Carolina courts have held that failure to comply with these notice requirements forfeits the lenders right to claim any deficiency balance. See XXXX XXXX Bank XXXX XXXX XXXX v. XXXX, XXXX XXXX App. XXXX ( XXXX ). Therefore, any balance reported by XXXX XXXX XXXX Bank after the repossession is legally invalid and inaccurate. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), you are required to ensure that only accurate and verifiable information is reported. Because this account reflects an unlawful or unverified deficiency balance and was not handled in compliance with state notice laws, I request that you investigate this matter, verify the accuracy with the furnisher, and delete or correct this entry from my credit file. 



Please send me written confirmation of the results of your investigation within 30 days, as required by law. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I used the atm banks drive up to do a deposit on XX/XX/year> around XXXX to XXXX XXXX. The machine gave me a verified summary of the amount it counted and had me accept the deposit. The money has not been added to my account. I have been asking for help on my banking app. I also talked to the bank. The bank didn't really give me any info the called it a dispute and Gave me a claim number. After all my research I found they should be doing alot more. I need my money how can the bank do this? I am gon na keep contacting more people who can legally help me, the bank just called it a dispute XXXX want my money I used the atm banks drive up to do a deposit on XX/XX/year> around XXXX to XXXX XXXX. The machine gave me a verified summary of the amount it counted and had me accept the deposit. The money has not been added to my account. I have been asking for help on my banking app. I also talked to the bank. The bank didn't really give me any info the called it a dispute and Gave me a claim number. After all my research I found they should be doing alot more. I need my money how can the bank do this? I am gon na keep contacting more people who can legally help me, the bank just called it a dispute .I want my money

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance 5 years ago I got a XXXX XXXXXXXX for financed through credit acceptance, now this truck had XXXX miles on it and they charged XXXX for the truck, when the truck was only valued at XXXXXXXX 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
At this time I need a copy of my credit report from each credit reporting agency, Experian, Equifax and Trans Union respectively. My attempts by phone did not work out. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have recently checked my credit report and there are several open collections and debt attempted to be collected that I did not authorize or give my information to these banks that are pursuing me for debt. Navy federal credit union, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These companies have all participated in the fraudulent use of my information resulting in debt on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my Experian report and found multiple XXXX XXXXXXXX accounts with balances ranging from about {$42.00} to {$630.00} listed as charged off or past due. 
I contacted XXXX  and, on XXXX, a Customer Advocacy Supervisor responded in writing that my phone number had been mistakenly associated with another customers account and confirmed there is no account, loan, or financial information under my name, Social Security number, or email address. 
Despite this written confirmation, XXXX continues to furnish these accounts to the credit bureaus, and Experian has merely updated the tradelines rather than deleting them. I have disputed the entries and asked Experian for the method of verification and deletion of the tradelines ; however, no validation documents were provided, and the accounts remain. 
These tradelines are inaccurate and unverifiable. Under the Fair Credit Reporting Act and related state laws, inaccurate information must be deleted, yet XXXX and Experian have not removed them. I am requesting their immediate deletion. Ive been in dispute since XX/XX/year> to present date

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Re : Formal Dispute of Inaccurate Information under FCRA Exeter Finance LLC I am writing to formally dispute inaccurate or unverifiable information being reported on my XXXX credit file concerning the account listed as Exeter Finance LLC. I request a complete investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to verify the accuracy of this account. If Experian can not provide full verification, including the original signed contract, payment history, and all account documentation, I request the immediate deletion of this entry from my report. 
Please confirm in writing the results of your reinvestigation and provide an updated copy of my credit report once the disputed information is corrected or removed. This letter serves as my official notice under the FCRA, and I expect completion within the statutory XXXX timeframe. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am seeking clarification regarding the {$36.00} difference charge with XXXX XXXX account. If this amount represents a legitimate final or closing bill that I did not receive, I am willing to pay it upon verification. However, I dispute the additional {$1200.00} charge, which is fraudulent and tired of harassment the last XXXX years of taking this on and off my credit report!!! This amount appears to be related to promotional gift cards that were part of a XXXX XXXX promotion and were not intended to create a chargeable balance. I have made multiple attempts to resolve this matter with XXXX XXXX, but it remains unresolved. I respectfully request a full review and correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the results of my recent credit report dispute. I submitted a dispute regarding several items that appear on my credit report which I have been proven to be inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of all disputed items. However, it appears that a full investigation was not completed on all of the disputed accounts and entries. I have not received sufficient documentation or evidence supporting the continued reporting of these items, and some accounts were marked as verified without any explanation or proof of investigation.

Please note that under * * FCRA Section 611 ( 15 U.S.C. 1681i ) * *, the credit reporting agency must : personal information : * Old addresses that are no longer valid * Incorrect bankruptcy or charge-off status * Accounts that were previously disputed and verified as not mine Please * * conduct a full reinvestigation * * of these items. If the furnisher ( creditor or debt collector ) can not verify ownership with documented proof within 30 days, the FCRA requires that these items be deleted.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the results of my recent credit report dispute. I submitted a dispute regarding several items that appear on my credit report which I have been proven to be inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of all disputed items. However, it appears that a full investigation was not completed on all of the disputed accounts and entries. I have not received sufficient documentation or evidence supporting the continued reporting of these items, and some accounts were marked as verified without any explanation or proof of investigation.

Please note that under * * FCRA Section 611 ( 15 U.S.C. 1681i ) * *, the credit reporting agency must : personal information : * Old addresses that are no longer valid * Incorrect bankruptcy or charge-off status * Accounts that were previously disputed and verified as not mine Please * * conduct a full reinvestigation * * of these items. If the furnisher ( creditor or debt collector ) can not verify ownership with documented proof within 30 days, the FCRA requires that these items be deleted.

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 2025-10-27 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: MD

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this fourth follow-up complaint as a concerned consumer regarding inaccuracies that continue to appear on my credit report despite previous disputes. These items misrepresent my financial history and are causing ongoing harm to my credit reputation. I am requesting the permanent removal of these entries in accordance with my rights under federal law. 
The first account is XXXX XXXX *, Balance Owed : {$360.00}, reported as Late Closed. Upon review, it is clear that this account has been inaccurately reported. Negative reporting of this account violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which guarantees my right to dispute and request reinvestigation ; FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishers from reporting information known or reasonably believed to be inaccurate ; FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy ; and 605B ( 15 U.S.C. 1681c-2 ), which allows for the removal of information resulting from errors or misrepresentation. This account must be permanently deleted from my credit report. 
Additionally, several inquiries on my report are inaccurate, unauthorized, or unverifiable. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries violate FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ), 1681b ( f ) ) and 605B ( 15 U.S.C. 1681c-2 ), which require proper authorization and the removal of unverifiable or unauthorized information. Since these inquiries are inaccurate, they must be permanently removed.

Company response to consumer: Closed with non-monetary relief