vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
There records indicate that although I first informed us of your COVID impact in XX/XX/year>, we failed to take immediate action and did not add your account to our COVID Protected Status. I apologize for this missed opportunity, as our goal is to always provide exceptional customer service. To address this oversight, we will update our credit reporting associated with your account from XX/XX/year> through present and replace it with a " D '' ( No Data ) which is the same relief you would have received had your account been added to our COVID Protected Status in XX/XX/year>. 
Please allow at least thirty ( 30 ) days for this update to be processed by the credit bureaus. If you have any additional concerns regarding our response to your complaint, please contact XXXX directly at XXXX. This left me and my family in a hardship for 3 years and after reviewing this information the damage was already done and I request fir this account to be removed immediately due to their negligence in not reporting the hardship immediately once it was reported. Updating the credit report 3 years later did not fix the damage from XXXX when I first lost my job due to being a XXXX  and could not work with COVID.

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 2025-11-14 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: FL

Complaint narrative:
I am writing to dispute the accuracy of the XXXX XXXX XXXX account appearing on my credit report. This account is being inaccurately reported and must be investigated and corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT INFORMATION IN DISPUTE : Creditor : XXXX Card Services Reported Balance : {$3800.00} Reported Credit Limit : Experian {$3500.00} Other bureau {$3800.00} Status : Charged off Inconsistent Payment History & Delinquency Reporting FCRA VIOLATIONS & BASIS FOR DISPUTE 1. Inaccurate and Inconsistent Balance & Limit Reporting FCRA 602 ( A ), 607 ( b ) The bureaus are reporting different credit limits and different utilization percentages, which is factually impossible.

Experian shows a limit of {$3500.00} Transunion bureau shows {$3800.00} This inconsistency proves the information is not accurate, not complete, and not verifiable, violating FCRA 607 ( b ), which requires maximum possible accuracy.

2. Conflicting Delinquency & Payment History Data FCRA 611 ( a ) The payment history displayed is not consistent, with one bureau showing OK / CO notations and another showing XXXX lates for different months. 
These conflicts violate FCRA accuracy standards.

3. Charge-Off Reporting Appears Incorrect & Unverified FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) I request the full method of verification used to confirm the charge-off date, delinquency timeline, and balance calculations. 
If XXXX can not provide original records showing : The true date of first delinquency ( DOFD ) Accurate statements The correct charge-off amount and dates Then the account must 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 2025-11-14 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: AZ

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
From what info I was able to obtain from XXXX, Zions Debt Holdings is a company representing XXXX XXXX. This debt is connected to a medical practice located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The owner cancelled their account with XXXX years ago and is being charged for equipment that was never purchased. Zion texted my personal cell phone without my consent and demanded I pay them {$490.00} to remove this information from my personal credit report. I have saved the text message and needed to block their contact number to keep them from harassing me further. I am not the owner of this business and have never purchased or signed any agreement to be a responsible party for billing or payments. I have researched complaints filed against XXXX XXXX with the XXXX  and can see this is a common tactic for them. I will obtain private counsel if this derogatory information is not removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-14 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: PA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-14 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: TX

Complaint narrative:
Ensure that any challenged account is taken off within legally binding deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased materials for new floor to be installed from XXXX XXXX on XXXX. The store suggested me to use their installer. Unfortunately the installer left an incomplete and Unsatisfactory install.The floor is crackling, uneven, has bumps and most alarming cut incorrectly in which left me with big problems. As a result I had to go back to the store to buy extra materials. Unfortunately my efforts failed. Now I am left with a floor that needs to be replaced and a financial burden. I reached out to XXXX XXXX several times to resolve the completion and a resolution. And after contacting my credit card company they suddenly started to contact me. On XX/XX/XXXX they strangely JUST sent the same installer that abandoned the job with damage to do an assessment. I am still waiting for a resolution. 
And then On XX/XX/year> I emailed them to formally dispute the charges on my most recent monthly statement for my XXXX XXXX / SYNCHRONY BANK account, which was issued on [ Assuming date based on email notification, or just say 'my recent statement ' ] and indicates an account ending in XXXX. 

The statement shows a current balance of {$4900.00}. However, I am particularly concerned about a significant " interest charge ( net ) '' amounting to {$3300.00}. I was not aware of such a charge and my personal records indicate an expected outstanding balance of approximately {$1500.00}. 

I kindly request a thorough review of my account to investigate this discrepancy and provide a clear explanation for the aforementioned interest charge.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Has an open court case with me for the amount of {$1100.00} and XXXX. I filed a fraud case with CFPB I just received the results and it was closed and held against me. During this process these debts were removed from my Experian report as fraud. I am resubmitting to have these officially removed with from XXXX  of them take off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-11-14 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. I have been the victim of my personal information being exposed due to several data breaches, and I request a thorough investigation into the accuracy of the following accounts : Charged Off Accounts XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$22000.00} Inquiries XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I disputed a collection account being reported by Portfolio Recovery Associates ( PRA ) through the credit bureaus. PRA responded by providing only a generic billing statement from the original creditor and a generic account sold letter. They did not provide any of the documentation required for proper validation under FDCPA 809 ( b ).

Specifically, PRA did NOT provide : A copy of the original signed contract A full itemized accounting of all charges and payments A complete chain of title showing every transfer of ownership Proof the reported balance is accurate Proof PRA is legally authorized or licensed to collect in my state Despite failing to provide validation, PRA continues to furnish and verify the account with the credit bureaus. I disputed the account again, and it was marked Updated even though PRA did not supply sufficient documentation to confirm accuracy.

This is a violation of : FDCPA 809 ( b ) failure to provide validation and cease collection FCRA 623 ( a ) ( 1 ) furnishing information that can not be substantiated FCRA 611 ( a ) verifying disputed information without proper investigation I followed all dispute procedures, and the companys investigation did not correct the inaccurate reporting. PRA is reporting and verifying information they can not legally substantiate. This is harming my credit and preventing access to housing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
There are outdated and incorrect addresses on my credit report that I attempted to remove through a dispute. The bureau did not remove them, even though the addresses are no longer valid, no longer associated with me, and can not be verified. The presence of these incorrect addresses may cause wrong account-linking and inaccurate 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 2025-11-14 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: NY

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my Equifax credit report. Below is the detailed information regarding the accounts in question : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : 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 2025-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am submitting this complaint because I requested original contracts, proof of investigation, and documentation showing what methods and information were used to conduct the investigation into the accounts I disputed. Despite my clear and lawful request, I received none of the required materials. The furnisher and/or credit bureau failed to provide any original signed agreements, no verification documents, and no explanation of how the investigation was performed. This lack of transparency and failure to supply the information I am legally entitled to under the FCRA demonstrates that a proper investigation did not occur. I am requesting immediate action to ensure full compliance and a complete reinvestigation with proper documentation.

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 2025-11-14 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: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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