vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 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: NC

Complaint narrative:
I am writing to express my deep disappointment with how this issue has been handled thus far. I am a victim of identity theft, and there are multiple accounts listed on my report that I did not apply for. I am requesting the removal of these inaccurate items from my credit file. 

Attached is a word document listing the specific items that need to be deleted, as well as copies of my supporting documents, including the report that I filed with the Federal Trade Commission. 

I kindly request that these items be removed from my credit report as soon as possible, ensuring that only accurate information remains. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a compalint to formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are 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/year>

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 2025-06-03 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company
State: DE

Complaint narrative:
I never received any bill for this ambulance. 

I got a very nasty call from this company claiming I owe XXXX for not paying an ambulance bill. I advised I have insurance more so I have XXXX and bills are not to be sent to collections per the contracts with XXXX. I advised the bill be sent back to the company for billing. The lady told me I needed to pay them and they were not sending it back to the company and she was going to put it on my credit to ruin my credit. I told her to send it back to the company for proper payment and to not co tact me again. 

I called the company and the lady said it was denied but couldn't tell me why. I advised I had XXXX not the regular insurance and they needed to bill the XXXX. She told me she wasn't doing that and hung up. 

I called my insurance. My insurance filed a grevence. The company advised that the bill was paid and had a XXXX balance. XXXX reminded the company they can not send XXXX bills to collection as they have a contract that needs to be followed. 

The collection agency then refused to take this account off my credit and are falsely reporting a debt that does not exist. I asked for proof of the bill as I was never sent one and proof of denial. Neither were sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
On XX/XX/year>, Equifax updated my credit report, and based on standard credit reporting timelines, no additional updates were expected for at least 30 days. However, on XX/XX/year>, just four days later, my credit score unexpectedly dropped by XXXX points, from XXXX to XXXX, without any explanation or legitimate change to my credit profile. There were no late payments, no new inquiries, and my credit card utilization actually decreased, which should have resulted in a score increase not a decrease. Additionally, my payment history remained perfect and unchanged. This sudden and unexplained score drop may be the result of a reporting error or system issue, and I am requesting a formal investigation into the cause of this discrepancy. I am also requesting that my credit score be restored to its previous value of XXXX unless a valid, documented reason for the change can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
Please understand, this complaint is not a misunderstanding. There are real and troubling inaccuracies on my credit report that continue to have a deeply negative impact on my life. The emotional and financial strain has been overwhelming, and I can not overstate how much it would mean to have these errors corrected or removed. It would truly be a blessing and a much-needed help during these trying times.

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 2025-06-03 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: CA

Complaint narrative:
I submitted dispute requests to Equifax regarding several inaccurate accounts that are currently appearing on my credit report. Despite providing supporting documentation and clearly identifying the errors, Equifax has failed to take any action to investigate or remove the inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputes within 30 days and correct or delete any information found to be inaccurate or unverifiable. It has now been well beyond that time frame, and the inaccurate accounts remain on my credit report without any indication of investigation or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I did not open and believe to be the result of identity theft. These accounts are fraudulent and are negatively affecting my credit standing. I respectfully request that these unauthorized accounts be investigated and removed from my credit report.

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 2025-06-03 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my TransUnion credit report, despite my repeated efforts to have it removed and despite supporting documentation already provided. 

A fraudulent account was opened in my name without my authorization XXXX XXXX XXXX. I have submitted documentation to verify that this account was not opened by me, yet TransUnion continues to report it. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a dispute is submitted and to delete any information that can not be verified. 

Additionally, my TransUnion report includes accounts that have already been removed from my other credit reports ( XXXX XXXX XXXX ), including a student loan account transferred by the Department of Education to the XXXX. This account does not have a collection status, yet TransUnion inaccurately reports it as a collection, which is misleading and damaging to my credit profile. XXXX  XXXX XXXX 30 days late was never late and has been removed by other credit reporting companies. 

These inaccuracies are significantly and unfairly affecting my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to compel TransUnion to : 1. Immediately remove the fraudulent account and all associated derogatory marks.

2. Correct the status of the student loan account that has been transferred and is no longer in collections.

3. Ensure full compliance with the Fair Credit Reporting Act and verify the accuracy of all items reported under my name. 

I have made every reasonable effort to resolve this directly with TransUnion but have not received appropriate relief. I respectfully request the CFPBs intervention in ensuring my rights as a consumer are protected.

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 2025-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my XXXX credit report, despite my repeated efforts to have it removed and despite supporting documentation already provided. 

A fraudulent account was opened in my name without my authorization XXXX XXXX XXXX. I have submitted documentation to verify that this account was not opened by me, yet XXXX continues to report it. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a dispute is submitted and to delete any information that can not be verified. 

Additionally, my XXXX report includes accounts that have already been removed from my other credit reports ( XXXX XXXX XXXX ), including a student loan account transferred by the Department of Education to the XXXX. This account does not have a collection status, yet XXXX inaccurately reports it as a collection, which is misleading and damaging to my credit profile. Bank of America 30 days late was never late and has been removed by other credit reporting companies. 

These inaccuracies are significantly and unfairly affecting my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to compel XXXX  to : 1. Immediately remove the fraudulent account and all associated derogatory marks.

2. Correct the status of the student loan account that has been transferred and is no longer in collections.

3. Ensure full compliance with the Fair Credit Reporting Act and verify the accuracy of all items reported under my name. 

I have made every reasonable effort to resolve this directly with XXXXXXXX but have not received appropriate relief. I respectfully request the CFPBs intervention in ensuring my rights as a consumer are protected.

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 2025-06-03 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-03 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to have learned that i was a victim of identity theft. I found numerous accounts on my credit report that was not opened up by me, this has been hurting me and my chances of obtaining a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a formal complaint under the FEPRA ( 20 U.S.C., 1232g ) Family Educational Rights and Privacy Act ( FERPA ) regarding unauthorized access and disclosure of my financial aid records. I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records to DOGE or XXXX XXXX or any unauthorized staff will have access private disbursement balances or fraudulent use of my records which is an violation with FERPA regulations and consumer protection laws. Therefore, I have recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. 

Therefore the total XXXX Parent Loan balance {$20000.00} should be deleted and remove from credits report from all three credit bureaus, this action is necessary due to I have already file a federal 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I started a claim with my auto insurance company XXXX XXXX  on XX/XX/XXXX for vandalism. Claim XXXX XXXX towed my XXXX XXXX XXXX XXXX on XX/XX/XXXX for an estimate on repairs. I made my monthly payments XXXX, XXXX, XX/XX/XXXX while my car was in possession with XXXX .. XXXX kept giving the runaround on One of the whereabouts of my car and two what was being done with my car. All I kept getting is letter stating that they needed more time to investigate that they would deny my claim for being uncooperative long story short in XXXX my car was no longer at the autobody shop so I did a search of the XXXX on line and found photos of my car at XXXX XXXX XXXXXXXX XXXX in XXXX California. In XXXX I receive a letter from progressive saying that my claim was closed with no explanation. My policy covered vandalism. My policy with XXXX was for over two years they never settled for the car which was totaled. The repairs were over {$13000.00} in damages. On XX/XX/XXXX, I receive a claim of possessory lien from XXXX. When I spoke with them, they would not provide me any information saying that I would have to talk to XXXX XXXX  that they be violating privacy rights or giving me any information, even though I am the title holder. I spoke with the legal department with the DMV here in the last few weeks trying to get information on the sling cell and they sent me some interesting information. Apparently the car was sold as a lien for under {$4000.00} which it was a salvage title, XX/XX/XXXX. I purchased the car from XXXX eXXXX XXXX XXXX  out of XXXX. I did a loan with XXXX XXXX XXXX at 16.49 %. I paid the car off in XX/XX/XXXX I have the title in my name was built and sent to collections from XXXX For a remaining balance of my premiums, which was {$200.00} I paid for the XXXX XXXX and XX/XX/XXXX for insurance on a vehicle that XXXX had and they sent me to collections so I paid for insurance for a vehicle I didnt have. XXXX XXXX sold me a vehicle that was salvaged at full price, XXXX XXXX XXXX XXXX in XXXX is showing a car that is not mine. The Vin was tampered with, and I was not reimbursed for my car that was vandalized from XXXX, which is covered under my policy.. I did report in XX/XX/XXXX when I located my car at XXXX has stolen and also reported to XXXX  as stolen because the photos that they were showing of the car was not my car but it was somewhere but it was not my car there was a big scam going on with these guys they are taking a vantage and vandalizing vehicles then stealing them from you and holding them hostage getting payments from your insurance company and then denying your claim and then on top of it selling your vehicle thats already salvaged and charging you at 16.49 % interest rate for the loan. Then, reporting money owed for insurance on a vehicle thats in your insurance company position that is just talk about taking a vantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 5/2/2025. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-06-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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