vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and Im filing a complaint because the credit bureaus are allowing inaccurate reporting on my credit file. 

Here are the accounts in question : XXXX XXXX ( {$3600.00} ) Each bureau reports different late history and charge-off remarks, which makes it impossible to know which ( if any ) is correct. 

XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ) TransUnion shows this account as disputed, meets FCRA, while Equifax lists it as a collection, 120 days late. This is inaccurate and misleading. 

XXXX XXXX XXXX XXXX XXXX ( {$730.00} ) TransUnion shows placed for collection, Experian shows it as closed, and Equifax says subject has not satisfied debt. These can not all be true.

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 2025-09-03 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: PA

Complaint narrative:
My name is XXXX XXXX, and Im filing a complaint because the credit bureaus are allowing inaccurate reporting on my credit file. 

Here are the accounts in question : XXXX XXXX ( {$3600.00} ) Each bureau reports different late history and charge-off remarks, which makes it impossible to know which ( if any ) is correct. 

XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ) TransUnion shows this account as disputed, meets FCRA, while Equifax lists it as a collection, 120 days late. This is inaccurate and misleading. 

XXXX XXXX XXXX XXXX XXXX ( {$730.00} ) TransUnion shows placed for collection, Experian shows it as closed, and Equifax says subject has not satisfied debt. These can not all be true.

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 information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
L Subject : Incorrect Late Payment Reporting Under CARES Act Credit Acceptance Account # XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting by Credit Acceptance Corporation on my account ( # XXXX ). Specifically, late payments were reported for XXXX and XX/XX/year>, despite protections afforded under the CARES Act. 
During this period, I was enrolled in a payment accommodation due to COVID-19 hardship, and my account was not considered delinquent under the terms of that accommodation. According to the CARES Act, furnishers are required to report accounts as current if a consumer is in an accommodation and was current at the time the accommodation was made. I believe Credit Acceptance failed to comply with this requirement.

These late payment notations have negatively impacted my credit profile and do not reflect the actual status of my account during the accommodation period. I have attempted to resolve this directly with Credit Acceptance, but the issue remains unresolved. 
I respectfully request that the CFPB investigate this matter and assist in having the inaccurate late payments removed from my credit report. I am also requesting confirmation that Credit Acceptance is adhering to CARES Act reporting guidelines for all affected consumers.

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 2025-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding an account being reported on my credit file by Lockhart , Morris & Montgomery , Inc. ( LMM ) on behalf of XXXX. I previously disputed this account with Equifax. Equifax informed me that the account had been verified, but refused to provide details on how it was verified. They instructed me to contact Lockhart directly regarding this matter.

I contacted Lockhart and demanded the account be deleted immediately from my credit file because the information they reported was inaccurate and incomplete. Specifically : 1. Lockhart modified dates, balances, and other account details after I filed my dispute with Equifax. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), any information that is inaccurate or modified after a dispute must be deleted immediately. Verification or modification after the fact does not allow the furnisher to continue reporting the account. 
2. Lockhart is not the original creditor ; they are reporting for XXXX. Regardless, they are legally required to provide accurate information and can not continue reporting inaccurate or modified data. 
XXXX. I have email documentation and demand letters showing that I requested deletion and explained the legal requirement under the FCRA. Despite my formal demand, the account remains on my credit file, which is harming my credit score and financial opportunities.

I am therefore requesting that the CFPB : Ensure that Lockhart removes the entire collection from my credit file immediately.

Investigate Lockhart for violations of the FCRA for reporting inaccurate information after a dispute and modifying account details post-dispute.

Require Lockhart to provide written confirmation of deletion to me.

I have attached all relevant documentation, including : Copies of my credit report showing the disputed account Email correspondence and demand letters This account is inaccurate, modified post-dispute, and legally required to be deleted immediately. I request the CFPB enforce my rights under federal law and ensure Lockhart complies fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Company Name - Portfolio Recovery Associates Backstory - Got into some credit card debt with XXXX  XXXX. I was proactive and tried to negotiate a lower borrow rate so that I could pay them back directly. The interest was out of control and they were unwilling to negotiate so my debt was sent to collections. Portfolio Recovery Associates is the company that's reached out. I've been working on resolving this issue for literally years and the credit score impact is problematic.

Portfolio Recovery Associates offered a great deal to settle my debt. I verbally agreed but asked for the agreement in writing and they have been non-responsive for well over a month now and I'm just trying to move forward and close out my debt.

I wasn't sure how to categorize my complaint. When I call to speak to a real person, they escalate me to a manager who claims they're not able to provide our verbally agreed upon terms in writing and their portal reflects something very different. I ask who I need to speak to in order to get our verbal agreement in writing and they turn extremely combative on the phone. 

I want to settle my debt, I need a willing dance partner, Portfolio Recovery Associates has been stringing me along for too long. I attached some email communication.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I signed up for XXXX XXXX and immediately canceled it. I never had the XXXX XXXX. XXXX continued to bill me for the service but then when they found the error, they completely deleted it. There is no delinquent history with XXXX at all. I never had a XXXX account. XXXX has fixed this on their end, but the credit bureaus still report missed payments on my credit when I in fact, never had a XXXX account. I NEVER HAD A XXXX ACCOUNT. I HAVE NO DEBT WITH XXXX AND I WANT THIS ENTIRE RECORD REMOVED FROM MY CREDIT REPORT ON ALL THREE BUREAUS IMMEDIATELY.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
I am XXXX XXXX XXXX & I receive Social Security retirement benefits. On XX/XX/year> my Social Security direct deposit was sent to my Comerica Bank account. Instead of making my benefits available to me, Comerica applied the funds to a negative account balance and froze my account. 

These are my only means of support, and I need them for food, rent, and medicine. Federal law protects Social Security benefits from being taken or set off by a bank. I told Comerica this, but they insisted they could still use my benefits to cover a negative balance. I was even hung up on by XXXX, the vice president of their quality department representatives when I tried to dispute this. 

I have been given a case number by Comerica : XXXX. Comerica has refused to release my benefits, leaving me without access to the money I need to live. 

I am asking the CFPB to require Comerica Bank to immediately release my Social Security benefits and ensure that they do not use future deposits to cover negative balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, a charge of {$9900.00} from XXXX XXXX XXXX posted to my Capital One Spark Miles account. 
The charge appeared on my XX/XX/year> statement. 
I filed a billing dispute in XX/XX/year>, well within 60 days of the statement date. 
On XX/XX/year>, Capital One closed the dispute, claiming the timeframe had expired. 
Their letter shows they calculated the 60-day deadline from the transaction date ( XX/XX/XXXX ) rather than the statement date, which is inconsistent with the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

Under the FCBA, consumers have 60 days from the statement date to dispute billing errors. My dispute was therefore timely. 
I am requesting CFPB assistance to have Capital One reopen and properly review my dispute under the correct FCBA standard.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-09-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX I am writing to dispute the inaccurate reporting of the above-referenced account pursuant to My rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Grounds for Dispute : 1. This account is listed as a charge-off, but the information is inaccurate, incomplete, and Unverifiable.

2. Under FCRA 611, you must conduct a reasonable reinvestigation of this account within 30 Days.

3. I demand documented evidence, including the original signed agreement and a complete Accounting of the alleged debt.

4. If the creditor can not substantiate the accuracy of the charge-off with proper Documentation, the item must be deleted from 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 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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

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 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

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