vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I recently checked my credit report in order to get a new loan and saw an account that I have no knowledge of. I contacted the company, credit acceptance, and they are claiming I have an auto loan for a vehicle I do not own, have, or sign any kind of contract for. The car loan is from XX/XX/year> and the remaining balance showing on the loan is {$16000.00}. I contacted the company and they are not being helpful.

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 2025-05-01 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my TransUnion credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). The following accounts are erroneously reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX for There are XXXX XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$14000.00}. XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$1100.00}. XXXX. XXXXXXXX XXXX -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXXXXXX XXXX account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately XXXX. XXXX Account A XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. I request that TransUnion conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my TransUnion credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). The following accounts are erroneously reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX for There are XXXX XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. XXXX. XXXX XXXX XXXX reported XX/XX/XXXX in the amount of {$14000.00}. XXXX. XXXX XXXX XXXX reported XX/XX/XXXX in the amount of {$1100.00}. XXXX. XXXX XXXX  -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX XXXX reported XXXX XXXX, XXXX {$0.00}. This XXXX XXXX  account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately XXXX. XXXX Account XXXX XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. I request that TransUnion conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX in the Recovery Department sent over a settlement in which I do have the entire phone call recorded - along with the settlement agreement I have attached here. Regional Acceptance was paid the settlement in its entirety by money order per their request. The account was settled and paid but Regional Acceptance is still reporting an inaccurate balance on my credit report when the account should be paid and closed.

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 2025-05-01 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-01 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 a 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 non-monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-01 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: NJ

Complaint narrative:
I received a letter from the irs saying fraud alert. I pulled my credit report and disputed information. Experian failed to do a proper investigation. The debt collector is not even licensed and bonded to collect a debt in my state and Is not even authorized to do so. They illegally report this information to the credit bureaus.

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 2025-05-01 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-05-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-01 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 have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: TN

Complaint narrative:
I was refused admittance into the class action law suit. I was told because i was not delinquent at the time but I was more than delinquent, I was in bankruptcy and XXXXMohela deceived me and my attorney into believing this private student loan was not eligible for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have unauthorized inquiries on my Transunion credit report that must be removed immediately per 15 USC 1681B XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing a formal complaint regarding my Bank of America account ending in XXXX XXXX XXXX XXXX XXXX. I have repeatedly experienced issues where my available balance is manipulated, and funds are withheld far longer than necessary after transactions are clearly deducted. This creates false balance deficits and causes unjust maintenance fees and other restrictions. 

On or around Monday, XX/XX/2025, my account balance was approximately {$500.00}. That same day, a {$450.00} charge from XXXX was deducted from my available balance. Despite this, the bank did not finalize the transaction or show it as completed until XXXX XXXX my money for over a week while pretending the funds were still pending. 

During that time, I only spent small amounts : {$94.00}, {$16.00}, and {$19.00}. Logically, after deducting those from {$1200.00} and considering the {$450.00} already withheld, my balance should have remained well above {$600.00}. However, when I checked, my available balance dropped to as low as {$100.00}, and a monthly maintenance fee was charged even though my actual funds were clearly sufficient to meet account requirements. 

This gap between deposits and withdrawals does not add up. My money was being held, deducted, and re-classified in a way that masked my true balance. If I had withdrawn the money in cash, I would have received the correct amountproving the problem lies within the systems internal holds. 

I raised the issue with a bank teller, who acknowledged the mismatch and advised me to file a claim. However, I was told that claims must be submitted through a separate department, and no correction could be made in-branch. 

This practice has happened more than once and seems systematic : My money is deducted immediately from available balance, But held for long periods before being fully processed, Leading to blocked access to my funds, and in some cases, Triggering fees based on an artificially reduced available balance. 

My Contact Info : Name : XXXX XXXX XXXX Phone : XXXX Email : 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