vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an account originally reported by XXXX ( account ending in XXXX ). After a reinvestigation, XXXX deleted the account from my credit report due to inability to verify its accuracy. 

However, [ TransUnion/Experian ] continues to report this same account, despite being presented with the XXXX deletion as evidence.

This is a violation of the Fair Credit Reporting Act ( FCRA ) under : 607 ( b ) requiring maximum possible accuracy 611 ( a ) ( 1 ) requiring deletion of unverifiable information Ive attempted to resolve this directly but [ TransUnion/Experian ] continues to report inconsistent and potentially inaccurate data. This is damaging my credit score and credibility.

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 2025-06-07 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: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian for reporting an inaccurate account on my credit report. XXXX XXXX XXXX XXXX is not the original creditor, and I have no direct contractual relationship with them. My personal information was shared with them without my consent, and they are now reporting a debt that is not valid and should not be on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, I have the right to accurate reporting and to dispute any information that is incorrect. Because XXXX XXXX XXXX XXXX is not the original creditor and has not provided any legally valid documentation to prove this debt is mine, they are in violation of the FCRA. 

Despite multiple disputes, this account continues to be verified and remains on my credit report which is damaging and unlawful. I am requesting that this account be permanently removed from all credit reporting agencies. I do not consent to further verification attempts, as this is not a debt I owe and its reporting is baseless. 

Please assist me in holding Experian accountable for improper reporting and ensure the immediate deletion of this erroneous entry.

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 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I surrendered my truck to the loan company due to not being able to catch up on payments that my ex-husband didn't make. I owed XXXX dollars on the truck. 
The company sold the truck for {$3200.00}. This is far below value of the truck which is listed as $ XXXX {$17000.00}. The truck also just has the engine replaced by XXXX XXXX XXXX so the motor has very few miles on it, which would make it worth more than that. 
Since they didn't sell it for a fair price, they are now billing me for {$11.00}, XXXX ... What is left owed plus their charges. If they would've sold the truck for what it was worth, I would not owe this money. This was not a fair sale at all.

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 2025-06-07 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: AR

Complaint narrative:
Nothing removed, account were shown as verified, no proof sent and no reinvestigation done, removal because of paid medical bills, and inaccurate information, called out laws broken and personal information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following inquiries on my credit report that I did not authorize or provide written consent for and have requested multiple times to be sure verification is provided before placing inquiries on my report due to previous fraudulent activity. I have attached the inquiries to this report that were recently and previously made without any consent!!! 
Accounts : XXXX : XXXX INQUIRIES : 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 explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information and charge offs reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiples times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information, I requested, even with my other complaint they never sent verification on debt, the original Contract bearing signature & explanation of the amount and how it was calculated. 



I am writing to file a formal complaint regarding inaccurate information being reported on my credit file by Experian / Equifax / TransUnion. Despite my efforts to resolve this directly with the credit bureau and/or the data furnisher, the issue remains unresolved, and the inaccurate information continues to negatively impact my credit report. 


Credit Bureau Involved : Experian XXXX Equifax / TransUnion NEGATIVE ACCOUNTS ARE : TransUnion : XXXX XXXXXXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I submitted a formal dispute with Experian / Equifax / TransUnion and included the appropriate supporting documentation XXXX The bureau responded on XX/XX/year> However, they failed to correct or remove the inaccurate item, despite clear evidence. I resubmitted on XX/XX/year> and The credit bureau responded on XX/XX/year>. I resubmitted a XXXX time on XX/XX/year> and they responded back on XX/XX/year>. 

This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Their failure to conduct a reasonable investigation and correct the error is unacceptable and damaging to my credit standing. 


Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information and charge offs reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiples times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information, I requested, even with my other complaint they never sent verification on debt, the original Contract bearing signature & explanation of the amount and how it was calculated. 



I am writing to file a formal complaint regarding inaccurate information being reported on my credit file by Experian / Equifax / TransUnion. Despite my efforts to resolve this directly with the credit bureau and/or the data furnisher, the issue remains unresolved, and the inaccurate information continues to negatively impact my credit report. 


Credit Bureau Involved : Experian XXXX Equifax / TransUnion NEGATIVE ACCOUNTS ARE : TransUnion : XXXX XXXXXXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I submitted a formal dispute with Experian / Equifax / TransUnion and included the appropriate supporting documentation XXXX The bureau responded on XX/XX/year> However, they failed to correct or remove the inaccurate item, despite clear evidence. I resubmitted on XX/XX/year> and The credit bureau responded on XX/XX/year>. I resubmitted a XXXX time on XX/XX/year> and they responded back on XX/XX/year>. 

This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Their failure to conduct a reasonable investigation and correct the error is unacceptable and damaging to my credit standing. 


Thank you for your time and assistance. 

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 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I initiated two bank-to-bank transfers from XXXXXXXX XXXX to Citibank on XX/XX/year>. Both were initiated from Citis side and confirmed with Estimated Deposit Date : XX/XX/XXXX and Available By : XX/XX/XXXX in the Citi dashboard and emails. 

However, as of XX/XX/XXXX, neither transfer is available. A Citi agent told me that the {$13000.00} transfer wont be available until XXXX XXXX any hold notice or explanation. 

XXXX own Funds Availability disclosure states that if a hold is placed, they will notify customers at the time of deposit or the next business day. No such notice was given, which directly violates their published policies. 

This misleading presentation of availability datesespecially with large sumsis financially dangerous. Had I been relying on this money for time-sensitive payments, I could have faced serious harm. 


This issue reflects poor transparency and a breach of trust. XXXX asking the CFPB to investigate.

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 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I tried to login to my account on XX/XX/year>, to pay my payments on my truck loan. Only to be redirected to an error screen saying " invalid login credentials ''. I called the finance company to speak to my account manager, who didn't provide me with her name, but I asked her why I was unable to login into my account to make a payment and she told me that the vehicle was in repo status because my license was recently suspended. i advised her that my license was suspended when I bought the truck how is it just now a problem? She said that she doesn't know the answer to that but that she was accepting any payments on the account. I have recently partially taken care of what was suspending my license to begin with but I have to wait for an appt with the XXXX to pay the suspension fees and reinstate my license. I feel like if my license suspension was a problem then it should have been a problem from the start. I didn't have any problem securing insurance and they had no problem issuing me a loan. I am almost XXXX payments behind now which would put me in repo status but not because I haven't tried to pay but because they wont take any payments because of my license status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CT

Complaint narrative:
I reviewed a copy of my credit report and I noticed fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
The same letter was sent to XXXX XXXX  and Transunion. Please remove all unmatching 30, 60, 90, 120 " late '' payments and update a balance to {$0.00} as I provided on screenshot above. Today on XXXX I noticed late payments and a balance on my account XXXX XXXX XXXX XXXXXXXX. I always maintained all my payments at the timely manner and never missed a payment. As I provide a screenshot of all Three main credit bureaus giving an unmatching information, I demand under 15 U.S. Code 1681 ( b ) ACCURACY OF REPORT all 30, 60, 90 and 120 late payments to be removed and balance updated to {$0.00} as I provide a screenshot for the balance as well. If not done so I demand a {$1000.00} paid me from the company for the credit profile damage. 


Please remove all unmatching XXXX, XXXX, XXXX, XXXX " late '' payments and update a balance to {$0.00} as I provided on screenshot above.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America forcely placed my name and social security number to checsystem. When clearly no loss was taken con even end been. No am unable to open a checking acct as if I owe the bank money. Currently still hve accts with the bank that reported

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 2025-06-07 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: WI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2021 ] * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-06-07 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: WI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2021 ] * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
( Capital one reported my account as XXXX  by XXXX XXXX  incorrectly and misspelled my name. The false reporting violates the fair credit reporting act FCRA section XXXX b, which requires accurate information they are damaging my credit worthiness I requested correction but they refused. I was never late, and the account was always in good standing with no credit issues. I am asking cfpb to help ensure that capital one corrects or removes ) I am filing a complaint regarding a Capital One XXXX  card account that was wrongfully reported as " XXXX XXXX XXXX XXXX XXXX  on my credit report. 
Capital One closed the account due to a background concern, which was the result of an internal error where my name was misspelled as 'XXXX  XXXX instead of XXXX. XXXX This adverse information is false and misleading, and it unfairly harms my credit reputation. 
The account was always in good standing with no late payments or delinquencies. Despite this, Capital One reported the account as 'XXXX XXXX XXXX XXXX ' which is inaccurate. 
By reporting false and adverse information, Capital One is violating my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), which requires that all information provided to credit bureaus must be complete, accurate, and verifiable. 
I contacted Capital One directly to dispute and correct this false reporting, but they refused to fix or remove the inaccurate account status. 
I have also filed disputes with XXXX XXXX XXXX XXXX 
I am asking the CFPB to help ensure that Capital One corrects or removes this false information from all XXXX XXXX XXXXnd holds them accountable for violating my rights. This was not a credit issue i never was spoken to just closed my account because of background concern .Reporting my account as XXXX  by the XXXX, when it was due to an internal error and not my behavior, is inaccurate and harmful they are violating FCRA XXXX XXXX ( b ), which requires maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
I submitted a dispute to Equifax regarding a tradeline from XXXX XXXX. I specifically requested proper validation of the account, including proof of ownership and a detailed payment history to verify any alleged payments made. Equifax failed to provide this and instead responded that the account was verified as accurate without supplying any documentation or meaningful evidence to support that claim. 

Additionally, if XXXX XXXX  is claiming to be the legal owner of the account, they did not provide any bill of sale or receipt proving that they purchased the debt. This is a key requirement to establish legal ownership of a debt, and without it, the reporting is not properly validated. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation and delete any account that can not be verified. Equifax did not validate the debt, ownership, or transactions and failed to prove this account belongs to me. 

This failure to investigate properly has caused me financial harm and emotional distress. I am requesting {$10000.00} in damages for this violation and for the damage caused to my credit and peace of mind.

Company response to consumer: Closed with non-monetary relief