vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX Credit Acceptance Corporation [ Credit Acceptance Corporation Address ] Subject : Formal Dispute of Inaccurate Credit Reporting - Demand for Immediate Deletion Dear Credit Acceptance Corporation, This letter constitutes a formal dispute and demand for the immediate correction or deletion of inaccurate, unverifiable, or incomplete information that your company has furnished to the major credit reporting agencies ( XX/XX/XXXX and XX/XX/XXXX 
Detailed Account of Events This dispute relates to a vehicle repossession that occurred in XX/XX/XXXX. 
The vehicle was repossessed on or about XX/XX/XXXX. The vehicle was subsequently sold or auctioned months later. Your company is currently reporting an outstanding deficiency balance of {$21000.00}. 
Prior to this communication, I requested verification and clarification regarding the alleged balance, the sale price of the vehicle, and the precise calculation of this {$21000.00} deficiency. To date, I have never received sufficient, legally required verification or clarification documents from your company to validate the current reporting of this debt. The last action on this vehicle was its repossession and subsequent sale. I was told the repossession was XXXX, and the vehicle was repo and sold months later. 
Demand for Correction/Deletion The current reporting of this account is inaccurate, misleading, and/or unverifiable. 
Under 15 U.S.C. 1681i ( The Fair Credit Reporting Act - FCRA ), all information furnished to Consumer Reporting Agencies ( CRAs ) must be accurate and verifiable. I want a removal from the report immediately using federal law. Because you have failed to provide me with the necessary verification and clarity regarding the alleged deficiency balance and the disposition of the vehicle, you are reporting unverifiable information. 
I demand that you immediately : Cease and Desist all reporting of this account to all credit reporting agencies. 
Delete this tradeline from my consumer credit report in its entirety, as the information is inaccurate, incomplete, and unverifiable. 
I expect a thorough reinvestigation of this dispute and a written response confirming the action you have taken to correct this issue within 30 days of your receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
this debt does not belong to me I believe it a part of a data breach with XX/XX/XXXX my personal information they have is incorrect not how this is still on my report after explaining that my name is incorrect on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: WI

Complaint narrative:
This company has a charge off reporting to my credit report which means. This company wrote off this debt as a profit loss and never provided me with a 109C form. THIS IS ILLEGAL AND INACCURATE REPORTING. I am requesting this be throughly investigated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent contacting me first by text letting me know about a debt. I also received phone call from unknown number. I called them back at the number left on my voicemail and they stated there was a balance from an old account with XXXX XXXX  I told them I thought I paid that back in full and that it's not on my credit report. They stated that they have sent something out but it went to a previous address that I haven't lived at for 4 years. I asked them if they can either update the address or send me proof of it being that is not on my credit report and I swore that I paid it off. She asked me if it was my intent to commit fraud and go against the written agreement I said no. She also stated she could not send me written proof to my address. I asked him why not if she can find my number that I didn't have at the time then why couldn't she send proof to my current address that I owe the debt. I called XXXX XXXX afterwards to verify the day and every time I tried to call it disconnected once I put in my information. Not only was I willing to pay the balance but I just needed to verify that I owed it being that I thought I paid it and that this company who pops up as a scam on XXXX owns it now. So they threatened to sue even though I never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I am filing this complaint because the credit reporting agency has failed to properly investigate, correct, or remove inaccurate information on my credit report, despite multiple disputes submitted in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted several disputes regarding accounts and inquiries that are either reporting inaccurately or are the result of identity theft. I provided all required documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and detailed explanations. Despite this, the credit bureau has continued to : inaccurately verify information without a proper investigation fail to correct reporting errors refuse to block fraudulent information as required under FCRA 1681c-2 close disputes prematurely without reviewing the documents provided continue reporting incorrect balances, dates, payment histories, and statuses provide generic responses instead of a legitimate reinvestigation The bureau is in violation of FCRA 1681i, which requires a reasonable reinvestigation, and FCRA 1681c-2, which requires the blocking of fraudulent information when identity theft is reported. Their failure to investigate is causing ongoing financial harm, including denied credit, higher interest rates, and negative impacts on my ability to obtain housing and financial stability. 
I am requesting that the CFPB intervene and ensure that the credit bureau conducts a lawful, thorough reinvestigation, removes or corrects all inaccurate and fraudulent information, and provides written confirmation of 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 explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I HAD A VA LOAN ORIGINATED IN XXXX. AND IN XXXX, AN INTEREST RATE REDUCTION REPLACEMENT LOAN PROCESS WAS DONE. TRUIST SENT ME SOME DOCUMENTS THEY SAY THAT I HAD SIGNED, BUT THE SIGNATURE WAS FORGED. THEY HAVE TIME AND TIME AGAIN LIED TO THE CFPB THAT MY VA LOAN WAS NOT CHANGED TO A CONVENTIONAL. THE RESIDENTIAL LOAN APPLICATION THAT I AM LOOKING AT IS A XXXX XXXX, AND MY VA CASE AND LOAN NUMBERS ARE ALTERED AS THE AGENCY THAT SUPPLIED THE DOWN PAYMENT FOR THE LOAN, CAUSE THAT IS A BENEFIT OF ME BEING AXX/XX/XXXXVETERAN. THE VETERANS AFFAIRS GIVES THE BANK {$62000.00}, AND THE BANK ADDS IT TO THE LOAN TO BE PAID BACK TO THEM. I SEE THAT THE APPLICATION THEY SAY I SIGNED IS A XX/XX/XXXXXXXX APPLICATION. THE ONLY LOANS THAT THEY DO ARE CONVENTIONAL. XXXX XXXX ONLY PROCESSES VA LOANS. SO TRUIST DID CHANGE MY LOAN TO A CONVENTIONAL USING THE XX/XX/XXXX AND XXXX XXXX APPLICATION, SAYING THAT I SIGN IT. SO THIS XXXX IS NOT A BINDING CONTRACT AS IF IT NEVER EXISTED. AND TRUIST VIOLATED MY RIGHTS TO THE XXXX PROGRAM AS A BENEFIT UNDER CONTRACT OF THE VETERANS ADMINISTRATION 'S RULES AND REGULATIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My name is only legally spelled XXXX XXXX XXXX I have been fraudulently represented with different spelling of my name. Someone has fraudulently opened credit cards in my name. I have disputed any claims of any credit cards, cars, or employers who have not spelled my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit reporting agency has failed to properly investigate, correct, or remove inaccurate information on my credit report, despite multiple disputes submitted in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted several disputes regarding accounts and inquiries that are either reporting inaccurately or are the result of identity theft. I provided all required documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and detailed explanations. Despite this, the credit bureau has continued to : inaccurately verify information without a proper investigation fail to correct reporting errors refuse to block fraudulent information as required under FCRA 1681c-2 close disputes prematurely without reviewing the documents provided continue reporting incorrect balances, dates, payment histories, and statuses provide generic responses instead of a legitimate reinvestigation The bureau is in violation of FCRA 1681i, which requires a reasonable reinvestigation, and FCRA 1681c-2, which requires the blocking of fraudulent information when identity theft is reported. Their failure to investigate is causing ongoing financial harm, including denied credit, higher interest rates, and negative impacts on my ability to obtain housing and financial stability. 
I am requesting that the CFPB intervene and ensure that the credit bureau conducts a lawful, thorough reinvestigation, removes or corrects all inaccurate and fraudulent information, and provides written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I am filing this complaint because the credit reporting agency has failed to properly investigate, correct, or remove inaccurate information on my credit report, despite multiple disputes submitted in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted several disputes regarding accounts and inquiries that are either reporting inaccurately or are the result of identity theft. I provided all required documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and detailed explanations. Despite this, the credit bureau has continued to : inaccurately verify information without a proper investigation fail to correct reporting errors refuse to block fraudulent information as required under FCRA 1681c-2 close disputes prematurely without reviewing the documents provided continue reporting incorrect balances, dates, payment histories, and statuses provide generic responses instead of a legitimate reinvestigation The bureau is in violation of FCRA 1681i, which requires a reasonable reinvestigation, and FCRA 1681c-2, which requires the blocking of fraudulent information when identity theft is reported. Their failure to investigate is causing ongoing financial harm, including denied credit, higher interest rates, and negative impacts on my ability to obtain housing and financial stability. 
I am requesting that the CFPB intervene and ensure that the credit bureau conducts a lawful, thorough reinvestigation, removes or corrects all inaccurate and fraudulent information, and provides written confirmation of compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting a Debt validation letter for adding a debt to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I buy from XXXX XXXX before and i paid off early but i seen one payment late but i never late I am sure that was in correct information my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX'CFPB COMPLAINT NARRATIVE\nThis packet includes all fraud claims:\n XXXX XXXX   Card ending XXXX XXXX XXXX  Card ending XXXX XXXX XXXX  Card ending XXXX XXXX XXXX  Card ending XXXX XXXX XXXX  Card ending XXXXnAll disputed transactions occurred while I was incarcerated from XXXX XXXX through XXXX XXXX.\nI had zero access to:\n My card\n My mail\n My phone\n Verification codes\n Account credentials\nBank of America denied these claims without providing proof of authorization as required under:\n Regulation E  12 C.F.R. 1005.11(c)(4)\n Electronic Fund Transfer Act  15 U.S.C. 1693g(a)\nThis packet includes:\n All Regulation E letters\n Certified incarceration documents\n Time-served documentation\n Official custody 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 explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Three complaints that I submitted here on XXXX the XXXX to Experian transunion and Equifax are still open have not been addressed have not been anything and that XXXX is still on my credit report and I demanded it be taken off today now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Three complaints that I submitted here on XXXX the XXXX to Experian transunion and Equifax are still open have not been addressed have not been anything and that XXXX is still on my credit report and I demanded it be taken off today now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXCFPB COMPLAINT NARRATIVE\nThis packet includes all fraud claims:\n XXXX XXXX   Card ending XXXX XXXX XXXX  Card ending XXXX XXXX XXXX  Card ending XXXX XXXX XXXX   Card ending XXXX XXXX XXXX  Card ending XXXXAll disputed transactions occurred while I was incarcerated from XXXX XXXX through XXXX XXXX.\nI had zero access to:\n My card\n My mail\n My phone\n Verification codes\n Account credentials\nBank of America denied these claims without providing proof of authorization as required under:\n Regulation E  12 C.F.R. 1005.11(c)(4)\n Electronic Fund Transfer Act  15 U.S.C. 1693g(a)\nThis packet includes:\n All Regulation E letters\n Certified incarceration documents\n Time-served documentation\n Official custody 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 explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices prohibited by the FDCPA. They furnished this account without any agreement from me, and I did not sign any contract with them. A legal contract requires signatures from both parties, and I did not participate in any agreement whatsoever. They also failed to follow the proper 5-step validation procedure. 

According to the FDCPA, Im entitled to compensation for these violations. My rights were clearly violated and abused, and I am demanding that this account be removed immediately. 

To be transparent, this situation has created a real hardship for me. Ive been doing everything I can just to stay afloat, and dealing with an account that shouldve never been placed on my report has pushed me into even more stress and confusion. Ive been scrambling to manage my bills, keep my household stable, and protect my credit so I can rebuild my life but this unauthorized account has made that struggle even harder. Its mentally draining waking up every day worried about something that isnt even my debt. Im simply asking for fairness so I can move forward without carrying the weight of someone elses mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The are reporting wrong information to the bureas name addresses the reporting account closed but still showing open with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I was trying to order XXXX XXXX  in XXXX. XXXX is normally my base but I did upload a travel notice. Although I had it uploaded, the bank still block my card and let me wait for a reference letter. The bank refused to accommodate even I told them I was traveling. During this time I called agents XXXX for clarification. Some told me I will receive reference letter on their app while others said I will have it by mail. Very unclear and did not provide accommodation. 

XXXX process is chaos. I give them my phone number to verify and being told that the bank cant use the number. Been asking to provide other accounts information. I provide but still fail to verify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive repeatedly disputed several accounts that are inaccurate and can not be verified. Each time, the credit reporting agencies either ignored the substance of my disputes or recycled the same generic responses without addressing the actual issues. This falls short of their obligations under the Fair Credit Reporting Act. Im entitled to an investigation that is reasonable and supported by verifiable documentation, not automated form letters. Im requesting a full review of the disputed accounts and a detailed explanation of the steps taken to determine whether the information is accurate. If they can not verify the accounts with proper documentation, they are required to delete them. I need this resolved to prevent further harm to my credit and overall financial stability.

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