vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
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 2025-07-18 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
These requests are unfamiliar to me and seem unauthorized and possibly fraudulent. Please take prompt action to investigate and resolve this issue. Attached are relevant documents.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am trying to apply for a Amex XXXX card personal. It keeps giving me the error that I have or had this platinum card previously. I have never opened this card in my credit card history and is wrong information. It is ok if Amex declines me due to low credit but its declining by saying that I have or had this card. I have the screenshot and will attach it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My husband passed away and I have been advised that he had an account with Capital One Credit and had me as the co-applicant. I was unaware of this and the bank even said that no card for me had been issued since XXXX all charges on the account were made by my deceased husband prior to his passing. 
I repeatedly advised them that I was unaware of this account nor did I have authorize this account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 explanation
Consumer complaint received 2025-07-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I seen my credit report with an open account in XX/XX/year> from XXXX XXXX XXXX, I've never opened any account with them. I called them to find out and allegedly someone had a checking and savings account also a credit card. I tried to dispute it, that fraud was commented and it wasn't mean. They told me they would try resolve the issue and didn't. It's been 5 years and I've been dealing with them way too long to still not have this removed off my credit with all 3 credit bureaus. The account is now showing as a closed charged off account with a past due balance of {$6200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-18 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 applied for a credit card and was denied because equifax reported to them that my credit score on XX/XX/year> was a XXXX which is not my correct credit score according to equifax myFICO which is currently reporting a XXXX. Equifax need to correct my credit report and credit score immediately I only have one opened student loan account report no negative accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I borrowed approximately {$1800.00} from Acima in XXXX  I made payments that covered the entire amount borrowed. We fell on hard times due to a work injury and werent able to make payments. We continued to get letter from the company requesting a payoff starting at {$700.00} and climbing. We were still unable to pay this amount. It was forwarded to an outside company to deal with the matter. We were contacted threatening legal action. I advised that in the following weeks we would be receiving a settlement and I would be able to pay the {$700.00} that was first offered initially. He agreed to the number verbally as long as I could show proof of the offer I offered to immediately send it over and he declined and told me to send the proof when I could make the payment. The company then reached out to my sister my mother my partner and myself saying that I hadnt responded and that it was an urgent matter I immediately messaged him asking him to cease contact to outside sources as I had obviously been in contact with him. I asked him to send a proof of debt letter where the amount owed and my address were wrong. It doesnt show on my credit report so I can not contest the credit claim. I also reiterated that we had spoken and I would make a payment in the following weeks he has since messaged me daily telling me that I have yet to respond to him and that hes going to escalate the case. Im being harassed daily at this point regardless of what I say or do. His only other option was to make payments and pay the amount of {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and discovered that MIDLAND CREDIT MANAGEMENT is reporting a debt allegedly owed by me. I was never notified of this debt within five ( 5 ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a violation of federal law. Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide the following documentation in compliance with federal requirements and relevant case law : The name and address of the original creditor. A copy of the original, signed contract or other instrument bearing my signature that allegedly created the debt. A complete chain of title, including a notarized contract of assignment and any subsequent assignments. Proof that MIDLAND has legal standing and authority to collect this debt. Itemized accounting and breakdown of the amount you claim is owed. Case law supports that a debt collector must be able to provide proper documentation showing the assignment and ownership of a debt to have standing to collect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) An assignee must prove a valid assignment in order to enforce a debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A party seeking to enforce a claim must demonstrate standing through a clear chain of title. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Simply asserting ownership is not enough ; evidence of assignment must be produced. Until such documents are provided, you are to cease all collection activity and remove any negative tradeline associated with this alleged debt from all consumer reporting agencies immediately pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). Be advised that failure to comply with this request will result in legal action against your company, including but not limited to claims for damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. This letter serves as a formal dispute and notice of intent to litigate if the unlawful reporting continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I submitted a Voluntary Surrender form to USAA on XX/XX/XXXX, for an auto loan account that was in default. As of XX/XX/XXXX, USAA has not retrieved the vehicle, nor have they provided any formal response to the surrender request. I recently received communication from their Executive Office stating they are no longer the lienholder due to a policy change, despite repossessing the same vehicle in XXXX and continuing to report this loan to credit bureaus as defaulted. 

This contradiction has caused harm to my credit, created legal exposure with the Maryland XXXX, and prevented me from resolving the debt. USAA has failed to act in a commercially reasonable manner ( UCC 9-610 ), and their credit reporting appears to violate FCRA 1681s-2. 

I am requesting immediate resolution, including clarification of lienholder status, retrieval or reassignment of the vehicle, and correction of credit reporting. 

In addtion, USAA linked my defaulted car loan to a separate USAA-issued XXXX credit card, restricted my access to the card and continued reporting it as delinquent despite my inability to use the card. 

Legal Grounds : Breach of contract under UCC 9-610 and Md. Com. Law 9-610 for failing to dispose of collateral in a commercially reasonable timeframe. 

Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) by reporting the loan as defaulted while refusing to act on a valid surrender request. 

Bad faith conduct and misrepresentation through failure to notify me of policy changes or identify an alternate lienholder.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,TXXXXX XXXX XXXX XXXX AND SXXXX XXXX XXXX XXXX XXXX XXXX,TXXXXXPhone number(XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,MIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX,UTXXXX 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 2025-07-18 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: NM

Complaint narrative:
I have tried repeatedly to fix the way XXXX XXXX XXXX is reporting my credit card to Experian credit report. Both companies both keep telling me its the others fault I have filed complaints with both companies and neither are doing anything to fix the problem. This is the latest result I received from Experian saying that XXXX verified all info is reported correctly however you can clearly see that card is reporting a NO STATUS status as I will share screenshots of. Both XXXX and XXXX  are reporting correctly however Experian will not and both are blaming each other. Im just at a loss trying to get something that should be so easy accomplished. Just to report a since trade line correctly.

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 2025-07-18 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: TX

Complaint narrative:
Recently, I reviewed my credit report and discovered multiple unverifiable, invalidated, inaccurate, and questionable items that your agency has reported without ensuring full accuracy and compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported on consumer credit reports must be complete, accurate, and verifiable. Specifically, under 15 U.S. Code 1681e ( b ), furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information to verify its accuracy and completeness. 

Furthermore, 15 U.S. Code 1681s-2 ( b ) requires furnishers to promptly investigate and correct inaccurate or incomplete information once notified of a dispute. Failure to comply with these provisions constitutes a violation of my rights as a consumer. 

I am attaching copies of all related correspondence for your review and demand immediate correction or deletion of all unverifiable or inaccurate accounts to bring my credit report into full compliance with the FCRA.

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 2025-07-18 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: TX

Complaint narrative:
Recently, I reviewed my credit report and discovered multiple unverifiable, invalidated, inaccurate, and questionable items that your agency has reported without ensuring full accuracy and compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported on consumer credit reports must be complete, accurate, and verifiable. Specifically, under 15 U.S. Code 1681e ( b ), furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information to verify its accuracy and completeness. 

Furthermore, 15 U.S. Code 1681s-2 ( b ) requires furnishers to promptly investigate and correct inaccurate or incomplete information once notified of a dispute. Failure to comply with these provisions constitutes a violation of my rights as a consumer. 

I am attaching copies of all related correspondence for your review and demand immediate correction or deletion of all unverifiable or inaccurate accounts to bring my credit report into full compliance with the FCRA.

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 2025-07-18 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: NC

Complaint narrative:
My ex-wife was court ordered to take over payments of an account with with XXXX XXXX XXXX XXXX and was also awarded the account through our divorce. The company also knows this information but the outstanding balance of {$11000.00}. Account was closed on XX/XX/XXXX but still shows up on my credit report as a negative auto loan. Issue was disputed by me on XX/XX/XXXX but it was denied.

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