vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date XXXX XX/XX/XXXX To : Credit Acceptance Corporation XXXX XXXXXXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Re : Goodwill Request for Late Payment Forgiveness Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Status : Open {$2900.00} past due as of XX/XX/XXXX Recent Payment : {$35.00} on XX/XX/XXXX Dear Credit Acceptance Customer Relations, I am writing regarding the above-referenced account. I take full responsibility for the late payments that have been reported and wish to express my sincere regret for any inconvenience they may have caused. 

I understand the importance of maintaining a positive payment history, and I value my relationship with Credit Acceptance. Unfortunately, due to unexpected financial hardship, I was unable to remain current on my payments during that period. 

Since then, I have taken active steps to regain control of my finances, including making consistent payments and working toward bringing the account current. I am committed to maintaining a positive payment history going forward. 

In light of this, I respectfully request a goodwill adjustment : That Credit Acceptance forgive the late payment notations on my account, or Consider removing the negative marks from my credit report as an act of goodwill. 

This adjustment would greatly help me rebuild my credit standing and continue my progress toward financial stability. I truly appreciate your consideration and any assistance you can provide. 

Thank you for your time and understanding. I look forward to continuing my relationship with Credit Acceptance Corporation on a positive note.

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 2025-08-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested a credit report from XXXX XXXX. As I reviewed it, I see there are addresses listed that I have never lived at. I am also now aware that they have been distributing this informsiton without my knowledge and without my approval. This has causes serious damage to my credit report, fair housing rights, and overall freedom to not have my private information distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I requested a credit report from XXXX XXXX. As I reviewed it, I see there are addresses listed that I have never lived at. I am also now aware that they have been distributing this informsiton without my knowledge and without my approval. This has causes serious damage to my credit report, fair housing rights, and overall freedom to not have my private information distributed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: AK

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-26 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: AK

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Bank denied my application for credit card based on lack of credit history.

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 2025-08-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
A refund from a vendor, XXXX, in the amount of {$2800.00}, was applied to my Discover card. The vendor was originally paid through my credit card, Discover, which I paid for in full when my monthly bill arrived in the mail earlier this year. 

I requested that Discover issue me a refund check for the amount in question, or transfer the amount to the checking account I pay my Discover bill, in full, every month. Discover stated it was their policy that the refund becomes theirs to do what they wish, which in this case, they want to retain the refund to pay my balance when it is due on XX/XX/2025. In other words, Discover has confiscated money that is clearly mine, that it is not to be co-mingled with my current credit card balance, and that I have never been in arrears with this company to take such action. The refund is not Discover 's to confiscate and keep. This is espacially bad since I have a huge credit on my card balance at this moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover credit card amount XXXX XXXX XXXX XXXX I dont recall this account belong to me for if you discover dont have A document they approve this is My account I would like this to be removed on my credit report / collection account Discover card # XXXX {$1000.00} account do not belong to me i need a contract from the original dead company that I approved my information to be shared with a second or third party which this is exactly what is happening which is illegal, In accordance whit the fair credit reporting ACT account # # XXXX have Violated my rights. 15 U.S.C 1681 section 602A stay a have right to privacy 15 U.S.C 1681 Section 2 is also staged a Consumer reporting agency can not furnish a account With all my writing instructions document signed by me agreeing With XXXX my information with second and XXXX parts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Consumer Name : XXXX XXXX Consumer Date of Birth : XX/XX/XXXX Consumer Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Consumer Social Security Number : [ XXXX ] Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , 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. 

This fraudulent, inaccurate, and false information consists of a personal loan account reported as follows : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$360.00} Reported Balance : {$1000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$120.00} Terms : XXXX XXXX Status : Open {$1000.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Creditor Phone : ( XXXX ) XXXX I do not recognize or acknowledge this account. I did not authorize, open, or initiate this personal loan account. This account is the direct result of identity theft and fraud. 

The XXXX account has caused fraudulent reporting and derogatory marks to appear on my TransUnion consumer credit file. These items are not mine and were not initiated by me. 

I have attached : A copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that this account is the result of identity theft and fraud. 
A copy of my consumer credit report showing the fraudulent XXXX account. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to : XXXX. Block all reporting of the XXXX account on my consumer credit file within XXXX business days of receipt of this request. 
XXXX. Provide me written confirmation that the fraudulent account has been permanently blocked and will not reappear in any future reporting. 
XXXX. If you determined this account was ever verified, provide me with a description of the procedure used, including the original documentation and the method used in your investigation, per FCRA 611 ( a ) ( 7 ). 

This complaint is made of my own initiative and all correspondence regarding this dispute should be returned to me at the address listed 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 609 ( 15 U.S.C. 1681g ) I previously requested that the credit reporting agencies and furnishers provide me with verification of these accounts, including a copy of the original contract bearing my signature. That request has not been honored. 

Additionally, under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information if, after reinvestigation, any disputed information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

These accounts remain on my credit file without proper verification and continue to cause harm. I am requesting immediate deletion : Santander Bank Auto loan Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXe : {$6200.00} IC. XXXX XXXX Account XXXX : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-26 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-08-27 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: GA

Complaint narrative:
Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX. XXXX XXXX credit card, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX- 615 USC 1681b Permissible purpose of consumer report in this law consumers has the right to have anything excluded from the credit report. 

XXXX. XXXX XXXX ( charge-off line of credit ), account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Permissible purpose of consumer report in this law consumers has the right to have anything excluded from the credit report. 

XXXX. XXXX, account number ( XXXX * * * *. ) - 15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports Consumer reporting agencies must not include medical information in a credit report without the consumers explicit consent.

You are hereby notified that I dispute this debt in its entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within XXXX XXXX : XXXX. Original signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX XXXX, and Experian. 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently.

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