vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting by American Credit Acceptance To Whom It May Concern : I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute with American Credit Acceptance and their inaccurate reporting to the credit bureaus. 

Despite my attempts to resolve the issue directly with the credit reporting agencies ( XXXX, XXXX, and XXXX  ), the following inaccurate account remains on my credit report : Creditor : American Credit Acceptance Account Number ( Last XXXX Digits ) : XXXX Full Account Reference : XXXX This account is inaccurately reported and has caused significant harm to my credit profile. I have disputed this matter in writing with all three credit reporting agencies as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ), but the matter remains unresolved. 

I respectfully request that the CFPB investigate this issue and compel American Credit Acceptance and the relevant credit reporting agencies to correct or remove the inaccurate information from my credit file. 

I have enclosed copies of my prior dispute letters and supporting documents for your review. 

Thank you for your assistance. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

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 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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK
State: TX

Complaint narrative:
This account contains multiple XXXX XXXX compliance violations and is therefore inaccurate, incomplete, and misleading, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : The account is listed as both XXXX XXXX and XXXX, with a balance due. If the vehicle was repossessed and resold, the balance must reflect any sale or deficiency adjustments. 

The XXXX XXXX is inconsistent across bureaus ( {$9500.00} vs. {$4600.00} ), which is materially misleading. 

The Last Reported dates and Date of Last Activity are not uniform, indicating poor data maintenance. 

The reporting lacks a clear, itemized breakdown of the alleged balance, sale proceeds ( if any ), and recovery efforts. 

I am requesting immediate deletion of this account from my credit file due to its failure to comply with the following FCRA and XXXX XXXX standards : Inaccurate balance and status details Inconsistent dates and terms across bureaus Incomplete accounting of repossession sale and final balance Potential double reporting of loss and collateral recovery Please complete your investigation within the 30-day window as required by FCRA 1681i, and provide me with the results, including the method of verification and the name and contact of the original data furnisher. If the account can not be fully verified with supporting documentation and XXXX XXXX compliance, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ACIMA DIGITAL FKA SIMP regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ACIMA DIGITAL FKA SIMP XXXX * * * * Balance : {$1000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ACIMA DIGITAL FKA SIMP but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-16 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: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
XXXX  XXXX XXXX FRAUD ACCOUNT, INQUIRY AND CHARGEOFF COLLECTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CT

Complaint narrative:
This complaint concerns multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by Equifax, based on my credit file dated XX/XX/XXXX. The following tradelines are materially inaccurate, outdated, or unverifiable and must be corrected or removed : XXXX XXXX Acct # XXXX Equifax reports a 60-day delinquency in XX/XX/XXXX, while payment records from XXXX are inconsistent and incomplete. 

Past due amounts are reflected without monthly breakdown or verifiable data. 

Relief Requested : Remove unverifiable derogatory entries and correct reporting.

Violations : 15 U.S.C. 1681e ( b ), 1681i ( a ) 2. XXXX XXXX Acct # XXXX Listed as Pays As Agreed but fails to reflect late payments reported by other agencies. 

No supporting payment activity is shown, resulting in an incomplete and misleading credit profile. 

XXXX Requested : Correct tradeline to reflect full and accurate payment history. 

Violations : 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 2 ) XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Account was closed in XX/XX/XXXX, but Equifax continues to report a balance of {$8200.00} as of XX/XX/XXXXXXXX 

This misrepresentation inflates my debt-to-credit ratio. 

XXXXelief Requested : Update the account to reflect a {$0.00} balance and closed status. 

Violation : 15 U.S.C. 1681e ( b ) 4. XXXX XXXX Acct # XXXX This closed account still reflects late payments from XXXX and XXXX, including up to 120 days late. 

These delinquencies are older than 7 years and should no longer be reported. 

Relief Requested : Remove all outdated derogatory entries.

Violations : 15 U.S.C. 1681c ( a ) ( 5 ), 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-16 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear CFPB Representative, I, XXXX XXXX XXXX XXXX XXXX XXXX am demanding the immediate deletion of one or more collections accounts listed on my credit report. These accounts are being reported without my authorization, without legal substantiation, and in direct violation of federal law.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), any information that is not verified with 100 % accuracy and legal backing must be removed without delay. I am not requesting validationI am notifying you that this information fails to meet the federal standard of verifiability and accuracy and must be eliminated immediately. 

Further, per CFPB Regulation V ( 12 CFR Part 1022 ), furnishers of data are held to the standard of maximum possible accuracy. Reporting alleged debtsoften sold, transferred, or assigned without the original contract or legal chain of custodyis not only deceptive, but unlawful under consumer protection statutes. 

The continued presence of these unverified and unauthorized collections accounts on my credit profile constitutes willful noncompliance with federal law and is damaging to my financial integrity. I will not tolerate this violation of my rights. 

The following accounts must be permanently deleted from all credit reports without further notice : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address I expect a timely response and resolution in accordance with federal law. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action./

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Radius Global Solutions XXXX XXXX XXXX {$860.00}. Debt is illegally showing a past due balance as of XX/XX/XXXX. This is illegal and I have never been contacted by this creditor. This is illegal and I have never been contacted by this creditor. 1681e. Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have 2 medical bills on my credit report for few yrs now. I disputed them both because medical bills aren't supposed to be on credit report but Experian didn't remove them from my report. It's my understanding it was signed into law late last yr that such medical Dept isn't suppose to show up or effect your score. But it is and has been mine.

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 2025-05-16 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: MD

Complaint narrative:
FCRA AND XXXX XXXX COMPLIANCE VIOLATIONS REQUEST FOR DELETION OF INACCURATE ACCOUNTS AND CORRECTION OF CONSUMER IDENTIFICATION I AM FILING THIS FORMAL COMPLAINT REGARDING INACCURATE, INCOMPLETE, AND UNLAWFUL INFORMATION BEING REPORTED ON MY EQUIFAX CREDIT REPORT. THIS INCLUDES EIGHT ACCOUNTS REPORTING FALSE OR MISLEADING DELINQUENCY INFORMATION, AND THE PRESENCE OF MULTIPLE INCORRECT NAME VARIATIONS, ALL IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND XXXX XXXX COMPLIANCE STANDARDS. 

ACCOUNTS WITH XXXX XXXX & FCRA VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES THESE ACCOUNTS ARE INACCURATELY REPORTING DELINQUENCY AND CONTAIN THE FOLLOWING VIOLATIONS : NO PROPER XXXX XXXX DISPUTE CODES ( " XB '' ) HAVE BEEN APPLIED, DESPITE DISPUTES BEING SUBMITTED THIS VIOLATES FCRA 611 AND XXXX XXXX FORMATTING REQUIREMENTS. 

CHARGED-OFF OR CLOSED ACCOUNTS ARE STILL BEING UPDATED WITH NEW LATE PAYMENT DATA, WHICH IS A VIOLATION OF FCRA 623 ( A ) ( 5 ) AND XXXX XXXX GUIDELINES THIS IS KNOWN AS " RE-AGING. '' INCONSISTENCIES EXIST BETWEEN PAYMENT HISTORY BLOCKS AND ACCOUNT STATUS ACCOUNTS ARE MARKED AS EVER LATE WITHOUT CORRESPONDING DELINQUENCY IN THE MONTHLY PAYMENT HISTORY THIS VIOLATES FCRA 607 ( B ). 

CREDITORS AND THE CREDIT BUREAU HAVE FAILED TO PROVIDE DOCUMENTATION TO SUPPORT THESE NEGATIVE ENTRIES, INCLUDING SIGNED CONTRACTS, BILLING STATEMENTS, OR LEGALLY REQUIRED XXXX ADVANCE NOTICES THIS VIOLATES FCRA 609 ( A ) ( 1 ) AND 623 ( A ) ( 7 ).

MY CREDIT REPORT ALSO CONTAINS MULTIPLE VARIATIONS OF MY NAME THAT ARE INCORRECT, HAVE NEVER BEEN USED BY ME, AND DO NOT REFLECT MY LEGAL IDENTITY. THIS INDICATES FILE CONTAMINATION AND VIOLATES : FCRA 607 ( B ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY 15 U.S.C. 1681E ( B ) FAILURE TO FOLLOW REASONABLE PROCEDURES TO ASSURE ACCURACY XXXX XXXX BASE SEGMENT IDENTIFICATION RULES WHICH REQUIRE THAT NAME, ADDRESS, SSN, AND DOB BE UNIFORM ACROSS ALL TRADELINES THE PRESENCE OF UNRECOGNIZED NAME VARIANTS ON MY CREDIT FILE IS AN UNLAWFUL ERROR AND COMPROMISES THE VALIDITY OF MY ENTIRE REPORT. 


I AM REQUESTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU INVESTIGATE THIS MATTER AND COMPEL EXPERIAN AND THE DATA FURNISHERS TO : DELETE ALL EIGHT ACCOUNTS LISTED ABOVE FROM MY CREDIT REPORT DUE TO ONGOING XXXX XXXX AND FCRA COMPLIANCE FAILURES. 

PERMANENTLY REMOVE ALL INCORRECT NAME VARIATIONS AND ENSURE THAT MY LEGAL NAME, XXXX XXXX, IS THE ONLY NAME ASSOCIATED WITH MY CREDIT FILE. 

ENSURE THAT ALL FUTURE DISPUTES ARE PROPERLY CODED WITH XXXX XXXX DISPUTE CODES AND REPORTED ACCURATELY. 

THESE INACCURACIES HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT PROFILE AND MUST BE ADDRESSED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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