vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I attempted an authorized purchase with my XXXX card to American Credit- which has yet to be reapplied to my loan.

Since then, I have mailed multiple appeal letters, escalated to supervisors, and requested reviews of my calls, but I have continued to receive inconsistent explanations. Even opened a dispute to get sorted.

I also provided proof directly to American Credit, including documentation from XXXX, and even participated in conference calls with my bank so there could be no misunderstanding. 

At this point, the funds remain improperly withheld and unaccounted for. I have been given the runaround for months, with no resolution from either the branches or phone support. 

I am therefore formally requesting that American Credit issue a full refund of the improperly debited amount without further delay. The documentation, bank confirmations, and conference call discussions all establish that these funds were returned to the American Credit on XXXX, and refunding them to me is the only appropriate and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
Dispute of Unverified Accounts FCRA 1681i ( a ) ( 5 ) I need answers. I disputed the accounts listed below, and by law you had 30 days to verify them with actual documentation : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} OK, I gave you the chance to handle this the right way. I wasnt asking for muchjust proof. 
Real proof. Not some lazy verified stamp with no documents, no contracts, no signatures, no nothing. Aint no way you think sending me the same recycled response over and over counts as an actual investigation.

Im not asking for a made up billing statement! I need proof with my signature that these accounts reporting belong to me! If you continue to lie and commit fraud I will take further action! I know my rights. 
So, let me ask you directly : why would you leave these accounts on my report if you cant even show me actual records? Why would you risk breaking federal law just to protect information you clearly cant back up? Why would you expect me to accept your word for it when even the furnishers themselves couldnt confirm you contacted them? 
At this point, it looks like you didnt investigate at allyou just rubber-stamped it, closed the file, and hoped I wouldnt push back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I previously filed a 605B identity theft dispute regarding a fraudulent XXXX account , and Equifax rightfully removed it. However, they have now reinserted the same account without providing the required five-day notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). I provided proof to them including XXXX FTC reports now with phone calls and recorded calls when the agent stated they do not do investigations. This is why they have been sued. However, The account was allegedly sold to XXXX XXXX XXXX, but XXXX  : Never reported the account to the credit bureaus Never attempted to collect Has confirmed by letter and on a recorded phone call that the account is fraudulent Officially closed the investigation Despite this, XXXX has continued furnishing this account to Equifax for reinsertion, despite having no legal basis to do so. I have demanded that Equifax : Provide the full audit trail under FCRA 611 ( a ) ( 1 ) and FCRA 609 ( a ) ( 1 ) Identify the agent responsible for verifying or approving the reinsertion Disclose the name, ID number, email address, timestamp of activity, and system ( s ) used to validate this debt with XXXX To date, I have received no documentation, no evidence of validation, and no confirmation that any of this was actually received or reviewed. This is important due to them continually reporting the debt without any actual verifiable info. I need to know who keeps validating this " debt ''. Rico charges may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations.

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, SS XXXX TO WHOM IT MAY CONCERN, I HAVE SEVERAL ERRORS ON MY CREDIT FILE I NEED CORRECTED. 
MY CURRENT AND ONLY ADDRESSES IS XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX, XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I previously filed a 605B identity theft dispute regarding a fraudulent XXXX account , and Equifax rightfully removed it. However, they have now reinserted the same account without providing the required five-day notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). I provided proof to them including XXXX FTC reports now with phone calls and recorded calls when the agent stated they do not do investigations. This is why they have been sued. However, The account was allegedly sold to XXXX XXXX XXXX, but XXXX  : Never reported the account to the credit bureaus Never attempted to collect Has confirmed by letter and on a recorded phone call that the account is fraudulent Officially closed the investigation Despite this, XXXX has continued furnishing this account to Equifax for reinsertion, despite having no legal basis to do so. I have demanded that Equifax : Provide the full audit trail under FCRA 611 ( a ) ( 1 ) and FCRA 609 ( a ) ( 1 ) Identify the agent responsible for verifying or approving the reinsertion Disclose the name, ID number, email address, timestamp of activity, and system ( s ) used to validate this debt with XXXX To date, I have received no documentation, no evidence of validation, and no confirmation that any of this was actually received or reviewed. This is important due to them continually reporting the debt without any actual verifiable info. I need to know who keeps validating this " debt ''. Rico charges may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

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

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

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

Company 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Derogatory Accounts Request for Deletion under FCRA & 15 USC To Whom It May Concern, I am writing to dispute and request the deletion of derogatory accounts currently appearing on my credit report. These accounts are inaccurate, unverifiable, or otherwise reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, I dispute the following derogatory accounts reported by TransUnion : XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  ( Closed ; was 60 days past due ) XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  ( 120 Days Past Due ) XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  ( Charge-off ) XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX ( 30 Days Past Due ) XXXX XXXX XXXX XXXX Account ( Original Creditor : XXXX XXXX XXXX {$3200.00} ) XXXX XXXX XXXX Collection Account ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$600.00} ) XXXX XXXX Collection Account ( Original Creditor : XXXX XXXX XXXX {$1600.00} ) XXXX XXXX Collection Account ( Original Creditor : XXXX XXXX XXXX {$5300.00} ) XXXX XXXX XXXX Account ( Original Creditor : XXXX XXXX XXXX {$1500.00} ) Pursuant to 15 U.S.C. 1681i, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the disputed information can not be verified, it must be deleted from my credit report. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting information they know or should know is inaccurate. 

Because the accounts listed above are inaccurate and/or unverifiable, I request their immediate deletion from my credit report. Please provide me with written confirmation once these deletions have been completed. If you maintain that the information is accurate, I request a detailed description of the method of verification, including the name, address, and telephone number of each furnisher contacted, as required by law. 

Please be advised that failure to comply with these obligations may constitute willful noncompliance with the FCRA and subject your agency to liability under 15 U.S.C. 1681n and 1681o. 

Thank you for your prompt attention to this matter. I expect a full response within the time allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX/ XXXX : 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, Synchrony Bank closed my long-standing credit account without prior notice or valid justification. I received a generic letter stating that the closure may have been due to inactivity, delinquencies, use of a credit counseling service, or account upgrade. None of these reasons apply to my account.

I have maintained exceptional payment history, never missed a payment, and this account was one of my oldest with a high credit limit. Its closure has negatively impacted my credit score by reducing my available credit and shortening my average account age.

I contacted Synchrony Bank to request a specific reason for the closure and confirmation that no negative reporting was made to credit bureaus. As of now, I have not received a clear explanation or resolution.

I believe this action may violate the Fair Credit Reporting Act ( FCRA ) due to lack of transparency and potential reliance on inaccurate or unverifiable information. I am requesting a full investigation and appropriate corrective action.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: LA

Complaint narrative:
On or near the first of XXXX I noticed an invalid entry on a TransUnion credit report. The entry was from XXXX XXXX XXXX ( XXXX ) for {$1800.00}. They were trying to send me a bill from the XXXX XXXX XXXXXXXX XXXX This is absolutely not mine ( I live and work in Louisiana for over 10+ years ) and I've tried to have XXXX send me any type of loan application or other bill ( besides a statement which is not a bill ) that listed my SSN, my address ( which is in Louisiana ) or anything tying back to me. I have never associated with anybody from the college. I sent this request TWICE via certified mail ( costing me over {$10.00} each time ). To date they keep repeating this bill is mine, but they have failed to provide any type of actual documentation. They want me to file an identity theft report with the police, but I can't using just a statement. I need to show my SSN was actually being used. They have REFUSED to provide any real original billing information. I'm requesting that you either have XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX correct this error of provide the necessary information I need to file a police report. Additionally, a search of the XXXX XXXX XXXX XXXX shows where has been rampant fraud and many other complaints like mine over erroneous collection attempts including the use of XXXX. Also, on the statement, an address of XXXX XXXX XXXX XXXX, XXXX XXXX, NV and id number of XXXX is shown, none of which can be associated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CREDIT SCORE IS TANKED. XXXX XXXX XXXX XXXX MISREPORTED A LOAN THAT WAS PAID ON TIME AND CLOSED OUT ( TRADED THE VEHICLE IN FOR ANOTHER ). THEY GAVE ME THE RUNAROUND AS A GLITCH IN THE SYSTEM. OVER A MONTH HAS TRANSPIRED, WITH NO UPDATES TO THE REMEDY.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was trying to get access to Experian to lift a credit freeze but they blocked my account for putting the wrong password once, so i try to login using my phone ad other server but it was impossible, when i try to do it over the phone they ask what i need though and automated robot, and i told him what i need, and the robot told me it will need verification, but when it was about to ask me for the code number they send to my phone, they just sorry we couldn't help you today and close the call, they don't let me talk to an agent, when i try all my best to get to an agent the robot said " free membership users only can use robot or a AI chatbot, and only paid membership can use a live agent '' Please help me fixing this is the third time the block my account and i need to wait for hours to get access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Please remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1600.00} Highest balance {$2000.00} Terms - On record until XX/XX/XXXXXXXX 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