vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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:
Experian : ( XXXX XXXX XXXX XXXX XXXX  XXXX - Account # XXXX ) Failed to delete charge-off with excessive utilization and inaccurate date reporting. 

Equifax : ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account # XXXX ) Incorrectly verified charge-off without verifying utilization and remarks accuracy. 

TransUnion : ( XXXX XXXX XXXX XXXX XXXX  XXXX - Account # XXXX ) Verified unverifiable charge-off ; remarks conflict with reported activity.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681 ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PLEASE Delete late payments.THANKS YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681 ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PLEASE Delete late payments.THANKS YOU

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 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I do not recognize this debt nor did i receive notice of this debt. All my XXXX accounts are paid for as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: DC

Complaint narrative:
I recently reviewed my consumer report and notice an unauthorized fraudulent account XXXX XXXX XXXX

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

Complaint narrative:
I recently reviewed my consumer report and notice an unauthorized fraudulent account 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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX Bridgecrest. The vehicle has since proven to be mechanically unsafe and unreliable. It currently requires : Service B ( tune-up, O2 sensor replacement ) New brakes Shock and strut replacement ( again ) New motor mounts ( again ) Bent rims replaced Oil leak repairs XXXX new staggered XXXX tires Steering correction and 4-wheel alignment I submitted a {$460.00} payment on XX/XX/XXXX, and requested a payment plan, loan restructure, and credit reporting correction. Bridgecrest never responded and continues to report me late, harming my ability to refinance or obtain affordable transportation. 
The car is my only means of transportation. Repossession would severely impact my income and safety. Bridgecrest has refused to assist despite repeated outreach, violating fair lending and consumer protection laws.

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

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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

Complaint narrative:
I am filing this complaint to document ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Portfolio Recovery Associates ( PRA ) in connection with their reporting of an alleged debt that remains unverified, inaccurate, and legally disputed. 

On multiple occasions, including certified letters sent in XXXX, XXXX, and XX/XX/year>, I demanded full validation of the debt and issued a Method of Verification ( MOV ) request, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). On XX/XX/year>, I sent a formal Intent to XXXX letter, which was delivered via certified mail. 

In response, on XX/XX/year>, PRA sent me a letter that is identical to at least three other form letters Ive received from them in the past. It offers no new information, and more importantly : Fails to acknowledge or respond to my Method of Verification request ; Ignores my XX/XX/XXXX Intent to Sue letter entirely ; Does not provide the chain of custody, purchase agreement, or assignment records for this alleged debt, which I specifically demanded ; Does not include a signed contract, original creditor statements, or legal documentation showing PRA has any right to collect or report this debt.

Despite these failures, PRA continues to furnish this tradeline to XXXX  and other credit reporting agencies as a paid collectionan act that constitutes : FCRA 611 ( a ) ( 7 ) : Failure to respond to Method of Verification ; FCRA 623 ( b ) : Furnishing inaccurate or unverifiable data after dispute ; FDCPA 807 ( 8 ) : Reporting information known or which should be known to be false or misleading. 

This is a clear pattern of noncompliance. I have preserved all certified mail receipts, previous dispute letters, PRA responses ( which are virtually copy-paste ), and screenshots of continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
Subject : Escalation of Non-Response United Auto Credit Corp ( Complaint # XXXX ) I am resubmitting this complaint because United Auto Credit Corp has failed to respond to my original CFPB complaint ( # XXXX ), filed on XX/XX/year>. 

The company is inaccurately reporting repeated monthly charge-off notations for over XXXX months post-charge-off, in violation of FCRA 1681s-2 ( a ) and Metro 2 standards. Their failure to respond within 15 days further demonstrates willful noncompliance. 

I am requesting immediate deletion of this tradeline due to the combination of inaccurate reporting and failure to respond. 

I have attached my original complaint file and credit report again for reference. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
In XXXX of XXXX, I paid off my XXXX XXXX XXXX. I had moved out of state from XXXX XXXX XXXX XXXX in XX/XX/XXXX and my XXXX  tags had just expired. I went to get my new plates at the XXXX  XXXX and was told because my tags were expired and I hadnt fully paid off the car, I needed a lien statement. I requested a lien statement through the Kia Motor Finances secure system but never received it. The following XXXX I paid off the loan in full. I had no suspicions I would not receive my title. It was approx. XXXX months before I realized I still had not received a title so I called them. I was told when I requested my lien statement, they mistook that as a title request and sent out my title without a stamp that it was paid in full so they had to now order the XXXX  XXXX to send my title back to them to be stamped. XXXX more months go by, I call back, they say theyre still waiting on XXXX  XXXX. I call back approximately a month after that and am told, no, what I actually need is a DUPLICATE title. The representative orders a duplicate title. XXXX more months go by, I still have not received a title. I wait another month, and call back and am told the duplicate title is actually processing through the XXXX  XXXX and will be sent to the last known address from when I purchased the car ( my old address in XXXX, which is my parents house ). I call my parents house several times over the next year or so and they have not received it. I call the XXXX  XXXX and they say the system says its in process. 

It has now been about XXXX years since the last I checked, its still in process and has not arrived at my parents residence. I have lived in XXXX  XXXX years now, XXXX of which with my car fully paid off, and have not received my car title.

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 2025-07-06 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XX/XX/year> i gota car from XXXX XXXX it was in an car acciednt they have the car back but it still on my accountvia have hard inquiries that i didint do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> Experian

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a XXXX  customer since XX/XX/2024 and during that time, I have enjoyed my experience with XXXX  greatly.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year>, I, XXXX XXXX, was scammed out of {$3000.00} by XXXX XXXX, referred by XXXX, a trusted acquaintance. I sent {$3000.00} via XXXX from my Capital One checking account ( Confirmation Code : XXXX ) on XX/XX/year>, as a broker introduction fee. XXXX sent a contract via XXXX, promised a XX/XX/year>, XXXX meeting, then ghosted me, making this an unauthorized transaction under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.6 ). I reported this to Capital One on XX/XX/year>, and filed a police report ( XXXX, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX

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

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XXXX Paid off XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX Paid off XX/XX/XXXX Transunion : XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$480.00} XXXX  Date opened XX/XX/XXXX XXXX {$860.00} XXXX Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX  Paid off XX/XX/XXXX Equifax : XXXX XXXX  Date opened XX/XX/XXXX XXXX {$480.00} XXXX Date opened XX/XX/XXXX XXXX {$860.00} XXXX  Date opened XX/XX/XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$630.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$16000.00} XXXX  Date Opened : XX/XX/XXXX XXXX {$290.00} XXXX  Paid off XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX {$400.00} XXXX Paid off XX/XX/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