vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
I am disputing a XXXX XXXX XXXX auto loan account that was previously removed from my credit report. However, it was recently reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

This reinsertion occurred after I was asked to verify my identity multiple times. I received no formal written notice that the item would be or was reinserted, which is a direct violation of my rights under the FCRA. 

In addition, if the credit bureau relied solely on information provided by XXXX XXXX XXXX without independently verifying its accuracy, that constitutes willful noncompliance based on the ruling in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) : > Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance. 



I am requesting that this account be permanently removed from my credit report unless the bureau can prove : 1. An independent verification was conducted ; 2. Proper reinsertion notice was sent to me in writing ; 3. The data furnisher ( XXXX XXXX XXXX ) is legally allowed to report this account and has provided valid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am disputing a XXXX XXXX XXXX auto loan account that was previously removed from my credit report. However, it was recently reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

This reinsertion occurred after I was asked to verify my identity multiple times. I received no formal written notice that the item would be or was reinserted, which is a direct violation of my rights under the FCRA.

In addition, if the credit bureau relied solely on information provided by XXXX XXXX XXXX without independently verifying its accuracy, that constitutes willful noncompliance based on the ruling in XXXX XXXX TransUnion XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : > Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance. 



I am requesting that this account be permanently removed from my credit report unless the bureau can prove : 1. An independent verification was conducted ; 2. Proper reinsertion notice was sent to me in writing ; 3. The data furnisher ( XXXX XXXX XXXX ) is legally allowed to report this account and has provided valid proof.

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 2025-04-21 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-04-21 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Transform Credit Inc.
State: WI

Complaint narrative:
I discovered a {$5.00} charge from XXXX XXXX XXXX on my bank account. I never contacted this company or authorized any transaction. I do not have an account or loan with them. I have already filed a fraud claim with my bank ( XXXX ). 

I attempted to call all phone numbers listed for XXXX XXXX, but every option leads to a machine with no ability to speak to a live representative. There is no support or dispute option accessible. I emailed the company directly and received no meaningful response. 

I am requesting immediate removal of my personal information from their system and written confirmation that no further charges or credit activity will occur. This behavior appears intentionally deceptive and obstructive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this formal dispute regarding an account that was previously removed from my credit report but has now been reinserted without my knowledge or authorization. I did not authorize this reinsertion, nor did I provide permission for this account to be reported again. I have no dealings with this creditor. This is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, consumer reporting agencies are required to provide notice of reinsertion within five ( 5 ) days and must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Since this account has been reinserted, I am demanding that you provide me with the following immediately, and no later than four ( 4 ) days from receipt of this notice : 1. The name, address, and contact information of the entity that verified this account for reinsertion.

2. A complete copy of all documents provided to substantiate this reinsertion.

3. The full method of verification, including the name of the individual who verified the data and the exact date of verification.

If you can not provide this evidence, or fail to do so within the allotted four ( 4 ) day period, you are required to delete this account from my credit report immediately. Reporting unverifiable or unauthorized accounts is a serious violation of federal law.

Given the nature of this dispute, which involves unauthorized reinsertion and impacts my consumer rights, I expect confirmation of deletion or full verification documentation within the stated time frame.

I expect confirmation of deletion immediately upon completion. 

Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX XXXXXXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 


Sincerely, XXXX XXXX XXXX : XX/XX/year> SSN : 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 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Credit Acceptance Corporation XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Interest Charges- Account # XXXX Dear Credit Acceptance Disputes Department, I am writing to formally dispute a pattern of inconsistent and potentially excessive interest charges applied t Below are a few concerning examples : - XX/XX/XXXX : {$790.00} interest on a balance of {$23000.00} - over 4 % of the previous balance. 
- XX/XX/XXXX : {$560.00} interest on {$22000.00} - 2.39 %, above the standard rate. 
- XX/XX/XXXX : {$600.00} interest on {$22000.00} - 2.66 %, again above the agreed XXXX. 
This trend continues throughout the loan history, showing inconsistent and sometimes inflated interest char I am requesting the following : 1. A full itemized accounting of how each interest charge has been calculated. 
2. A written explanation for any charges that exceed the standard 1.92 % monthly interest. 
3. A correction of any misapplied or excessive charges and an updated balance. 
4. Confirmation that this review will not affect my credit standing. If this issue is not resolved within 15 business day
s, I intend to escalate the matter by filing a formal complaint.

Please consider this letter as my good faith effort to resolve this directly. 

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone stole my identity and opened a XXXX chase bank card in my name and racked up XXXX worth of debt. I dont know when it was opened I think some time in XXXX a few years ago. When I looked into it on the credit bureaus sites there was a XXXX  address and phone number attached to the account.. I live in XXXX  and have only ever banked with chase once with an XXXX chase card that has since been paid off and closed. I did not open the XXXX  credit card through chase bank and have argued with them for years now that it is fraud and a result of identity theft but they will not leave me alone about it saying they think it is my debt. I am an honest person with no criminal record and pay all my debts and bills in time and if it was mine I would own up to it and pay, it would have never been late in the first place but it is not my debt. I have filed a police report last XXXX, filed with the FTC, filed with social security to say my number was compromised, and disputed it within the three credit bureaus and with Chase Bank but they will not leave me alone about it. I have sent them multiple emails to their fraud department but never hear back via email only through mail saying that can not reach me when they havent even tried to reach me. I am trying to buy a house in the near future and need this fraudulent debt taken off my credit reports. They took it off recently but Chase is still sending me letters in the mail asking me to pay. them. XXXX is a lot of money for me but not for chase bank and I dont know why they cant just write it off as fraud and identity theft, which is what it is. I should not have to be harassed by them because my identity was stolen. They should have protocol for these types of situations. It is very stressful to be harassed by Chase bank perpetually about this issue. I have called them many times and they say not to worry they will deal with it but then they dont. Someone stole my information and opened this card in my name but Chase has never sent me a bill in the mail because the criminal who opened the account used different contact information. They should be able to see this on their end and I have requested this information from them and they have not delivered it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
CREDIT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting Credit Acceptance Corp , Balance {$4600.00} To Whom It May Concern, We are writing to formally dispute the accuracy and validity of an account being reported by Credit Acceptance Corp , currently showing a balance of {$4600.00} and marked as 48 months late. This information is false and misleading. 

The vehicle tied to this account was totaled in XX/XX/XXXX, and the insurance company paid the majority of the balance. A disputed remainder of {$1000.00} was left over. Although a few small payments were made under pressure from a collection representative, no written agreement was ever made to repay the remaining balance in full or to accept further interest accumulation. 

The continued reporting of this account as 48 months late, with a balance nearly five times the original remainder, is not only misleading but legally questionable. We have not had possession of the vehicle since XXXX, and there is no legitimate basis for the current reporting. 

This account is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., including : 1681i right to dispute inaccurate information, 1681s-2 obligation of furnishers to report only accurate and complete data, 1681e ( b ) requirement that credit reporting agencies ensure maximum possible accuracy. 

Additionally, under Maryland law ( Md. Cts. & XXXX. XXXX. XXXX ), this debt is now beyond the 3-year statute of limitations, and is no longer legally enforceable. 

We are requesting the following : 1. A full reinvestigation of this account, 2. Immediate deletion of any inaccurate late payment notations and the reported balance, 3. Written confirmation of the outcome as required by 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 2025-04-20 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: First Credit Services Inc.
State: FL

Complaint narrative:
It has come to my knowledge and attention that the improper furnishing of my nonpublic personal information without my consent is a violation of Congresss Privacy Obligation Policy, pursuant to 15 USC 6801 ( a ). 

XXXX  and XXXX  are consumer reporting agencies that must protect any and all private information about myself, the consumer, which requires written consent or instruction prior to disclosure to other third parties. Their failure to follow these steps is a violation of law pursuant to 15 USC 1681b ( a ) ( 2 ). XXXX  and XXXX  do not have any instructions from me to furnish this information to third parties, and they certainly do not have my consent to do so. Further, any and all statements to XXXX  and XXXX, verbal, written or otherwise, which : ( a ) explicitly affirm consent ; or ( b ) can be construed to imply consent for the furnishing of my nonpublic personal information is hereby REVOKED and REJECTED. I reserve and exercise my continuing right as a consumer to opt out of disclosure pursuant to 12 CFR 1016.7 ( h ) The financial institution in dispute never informed me of my rights involving the privacy of my personal information, nor have they informed me of my right to exercise nondisclosure of such information, pursuant to 15 USC 6802 ( b ) ( 1 ) ( C ). Not to mention the report itself contains information prohibited by law to be made public without proper authorization. Said report is an adverse item of information, which is not a record of a conviction of crimes antedated by more than seven years, and it is without exemption. This is a clear violation of law pursuant to 15 USC 1681c ( a ) ( 5 ). 

It is expected of all consumer reporting agencies to abide by the compliance procedures and limit the furnishing of consumer reports to the purposes permitted by law and for no other circumstance pursuant to 15 USC 1681e ( a ). Further, it is expected of all financial institutions to fulfill their duty in providing accurate information and refrain from furnishing any information relating to a consumer when they know or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NCB Management Services Inc.
State: FL

Complaint narrative:
It has come to my knowledge and attention that the improper furnishing of my nonpublic personal information without my consent is a violation of Congresss Privacy Obligation Policy, pursuant to 15 USC 6801 ( a ). 

XXXX  and XXXX  are consumer reporting agencies that must protect any and all private information about myself, the consumer, which requires written consent or instruction prior to disclosure to other third parties. Their failure to follow these steps is a violation of law pursuant to 15 USC 1681b ( a ) ( 2 ). XXXX  and XXXX  do not have any instructions from me to furnish this information to third parties, and they certainly do not have my consent to do so. Further, any and all statements to XXXX  and XXXX, verbal, written or otherwise, which : ( a ) explicitly affirm consent ; or ( b ) can be construed to imply consent for the furnishing of my nonpublic personal information is hereby REVOKED and REJECTED. I reserve and exercise my continuing right as a consumer to opt out of disclosure pursuant to 12 CFR 1016.7 ( h ) The financial institution in dispute never informed me of my rights involving the privacy of my personal information, nor have they informed me of my right to exercise nondisclosure of such information, pursuant to 15 USC 6802 ( b ) ( 1 ) ( C ). Not to mention the report itself contains information prohibited by law to be made public without proper authorization. Said report is an adverse item of information, which is not a record of a conviction of crimes antedated by more than seven years, and it is without exemption. This is a clear violation of law pursuant to 15 USC 1681c ( a ) ( 5 ). 

It is expected of all consumer reporting agencies to abide by the compliance procedures and limit the furnishing of consumer reports to the purposes permitted by law and for no other circumstance pursuant to 15 USC 1681e ( a ). Further, it is expected of all financial institutions to fulfill their duty in providing accurate information and refrain from furnishing any information relating to a consumer when they know or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements for the immediate and permanent deletion of the following inaccurately reported address, unauthorized inquiries, and unverifiable accounts listed on my credit file. 

Do not use e-OSCAR or any other automated dispute system in the handling of this dispute. Only a manual investigation with original documentation is acceptable. 
1. Inaccurate Address to Be Deleted Immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not current, accurate, or verifiably linked to me, and are not associated with any legitimate or open accounts. 
2. Unauthorized Inquiries to Be Permanently Deleted : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX I never authorized these inquiries and therefore demand either ( 1 ) permanent deletion, or ( 2 ) original signed documentation proving my consent from the data furnisher. Screenshots, electronic timestamps, or unverifiable forms do not meet compliance. 
3. Unverifiable/Disputed Accounts to Be Deleted Immediately : XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$3100.00} - This account is not recognized and has no proven relationship to me. I demand full verification or permanent deletion. 
XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} - I dispute this account in its entirety and demand verifiable proof of account ownership ( with wet-ink signature ), or deletion. 
Legal Basis for this Request : FCRA 609 Right to request full documentation of any account or inquiry reported. 
FCRA 611 Mandates a full, reasonable investigation and accurate reporting.

FCRA 605B ( 15 U.S. Code 1681c2 ) Requires blocking unverifiable or fraudulent information.

Metro 2 Standards Demand accurate, complete, and verifiable reporting from data furnishers.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AR

Complaint narrative:
I am a U.S. citizen currently living in XXXX and am unable to access my federal benefits via XXXX XXXX I submitted all required documentation ( passport, drivers license, SSN, bank documents ) weeks ago and was told by an agent named XXXX that my documents were under review. He claimed to have tried to reach me, but I have no record of a missed call or message. I have filed a formal complaint with XXXX XXXX, but I have received no resolution. 

I am now in an emergency situation where I can not pay my rent due to being unable to complete an ACH transfer or access funds from my XXXX XXXX account. I request that this issue be escalated and resolved immediately, and that I am contacted via email at [ XXXX XXXX  ] since I can not receive reliable phone service overseas. 

This delay and lack of access to funds have created a financial hardship and is putting my housing security at risk.

Company response to consumer: Closed with non-monetary relief