vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Credit Dispute Identity Theft from Verified Data Breaches Dear CFPB Representative, I am submitting this formal dispute due to multiple fraudulent and inaccurate accounts listed on my credit report, which I believe are directly related to well-documented data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These breaches exposed both my personal and small business data, which has since been used maliciously. 

As a result, the following accounts have appeared on my XXXX  credit report and are negatively impacting my credit : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$13000.00} XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MoneyLion XXXX XXXX XXXX XXXX Opened post-breach These accounts were not opened, authorized, or used by me. I am a victim of identity theft, and these entries were fraudulently created or reported using my compromised information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the following actions : Immediate removal of the listed accounts from my credit file. 
A corrected version of my credit report. 
A written response confirming the results of your investigation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NE

Complaint narrative:
This is my XXXX and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading 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
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: WI

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 XXXX 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Credit Dispute Identity Theft from Verified Data Breaches Dear CFPB Representative, I am submitting this formal dispute due to multiple fraudulent and inaccurate accounts listed on my credit report, which I believe are directly related to well-documented data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These breaches exposed both my personal and small business data, which has since been used maliciously. 

As a result, the following accounts have appeared on my XXXX credit report and are negatively impacting my credit : XXXX. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX {$910.00} XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$13000.00} XXXX. XXXX. Sezzle XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened post-breach These accounts were not opened, authorized, or used by me. I am a victim of identity theft, and these entries were fraudulently created or reported using my compromised information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the following actions : Immediate removal of the listed accounts from my credit file.

A corrected version of my credit report. 
A written response confirming the results of your investigation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate and damaging information to the credit reporting agencies concerning my auto loan account referenced above. 
The facts of the matter are as follows : The vehicle associated with this loan was deemed a total loss in XX/XX/year>. 
The insurance company issued a settlement check for the loss, which was sent to and received by XXXX XXXX XXXX in XX/XX/year>. 
A secondary payment from the XXXX insurance provider was also issued and receivea to cover the remaining palance. 
In XX/XX/year>, XXXX XXXX XXXX sent a paid-in-full letter, confirming that the loan was satisfied in full. 
Despite the above, they are still inaccurately reporting the loan on my credit report as a repossession with a remaining balance of {$4100.00}. This is completely incorrect, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I was never in repossession status, and the loan was paid off through proper channels by both the insurance company and XXXX coverage. 
I have attempted to dispute this directly through the credit bureaus and contacted the lender, but the inaccurate information persists, causing unnecessary damage to my credit report and financial well-being.I am requesting that the CFPB investigate this matter and compel XXXX XXXX Acceptance to : Immediately correct the inaccurate reporting Update all credit bureaus to reflect the paid-in-full status Remove any mention of repossession or outstanding balance

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 2025-07-25 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate and damaging information to the credit reporting agencies concerning my auto loan account referenced above. 
The facts of the matter are as follows : The vehicle associated with this loan was deemed a total loss in XX/XX/year>. 
The insurance company issued a settlement check for the loss, which was sent to and received by XXXX XXXX XXXX in XX/XX/year>. 
A secondary payment from the XXXX insurance provider was also issued and receivea to cover the remaining palance. 
In XX/XX/year>, XXXX XXXX XXXX sent a paid-in-full letter, confirming that the loan was satisfied in full. 
Despite the above, they are still inaccurately reporting the loan on my credit report as a repossession with a remaining balance of {$4100.00}. This is completely incorrect, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I was never in repossession status, and the loan was paid off through proper channels by both the insurance company and XXXX coverage. 
I have attempted to dispute this directly through the credit bureaus and contacted the lender, but the inaccurate information persists, causing unnecessary damage to my credit report and financial well-being.I am requesting that the CFPB investigate this matter and compel XXXX XXXX Acceptance to : Immediately correct the inaccurate reporting Update all credit bureaus to reflect the paid-in-full status Remove any mention of repossession or outstanding balance

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 2025-07-25 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: FL

Complaint narrative:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.\nXXXX XXXX XXXX XXXX  Balance: $0.00\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL 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 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 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 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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Sunbelt Credit initially reported a secured loan on my credit file as opened in XX/XX/XXXX and closed on XX/XX/XXXX, with a {$0.00} balance. The account was marked as 100 % paid, with all payments made on time. This was reflected in my credit report at that time, confirming the loan was successfully paid off and closed. 

However, on XX/XX/XXXX, Sunbelt Credit re-reported the account with a new balance of {$380.00}, claiming I had only paid negative 1 % of the loan, a figure that is both factually incorrect and mathematically impossible. In this updated report, they also falsely listed the loan as being opened on XX/XX/XXXX, contradicting their earlier report and the original loan agreement, which began in XX/XX/XXXX. 

To make matters worse, on XX/XX/XXXX, they reported the same incorrect information again, claiming the account had been closed on XX/XX/XXXX, not XX/XX/XXXX as originally stated. 

This reporting contains multiple factual inconsistencies, including : False opening date, Incorrect balance after the loan was already marked paid in full, Impossible payment percentage, Conflicting closure dates, And repeated re-reporting after the account was already resolved. 


These actions are damaging to my credit profile and appear to violate the Fair Credit Reporting Act ( FCRA ), specifically around accurate reporting and re-aging of debt. 

I am requesting a full investigation into this matter and that the inaccurate entries be corrected or removed entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am filing a complaint regarding the way this account with SYNCB/JC PENNEY DC is being reported on my credit report. The account was charged off and may have been sold or transferred, yet the creditor continues to report a balance. No debt collector is reporting this account under their own name, and I have not received any verification of current ownership. 

Under the Fair Credit Reporting Act ( FCRA ), this tradeline may be inaccurate or incomplete. If the debt has been sold, SYNCB/JC PENNEY DC should no longer report a balance or attempt to collect. The continued reporting of this account with no updates or verification may constitute noncompliance with the FCRA.

I am requesting that this account be deleted entirely from my credit report if it can not be verified as accurate, complete, and compliant with federal 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 2025-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit reports I found a surmount of inquiries on my report in which I did not authorize. All these inquiries are in fragment on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and blemish on my credibility and I was denied credit. Please correct this according to thein accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602A Which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states : No customer reporting agency may take any customer 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
Upon reviewing my credit reports I found a surmount of inquiries on my report in which I did not authorize. All these inquiries are in fragment on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and blemish on my credibility and I was denied credit. Please correct this according to thein accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602A Which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states : No customer reporting agency may take any customer 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.

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 2025-07-25 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: DC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-25 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am filing this complaint against American Credit Acceptance for reporting inaccurate and damaging information to the credit reporting agencies concerning my auto loan account referenced above. 
The facts of the matter are as follows : The vehicle associated with this loan was deemed a total loss in XX/XX/year>. 
The insurance company issued a settlement check for the loss, which was sent to and received by American Credit Acceptance in XX/XX/year>. 
A secondary payment from the XXXX insurance provider was also issued and receivea to cover the remaining palance. 
In XX/XX/year>, American Credit Acceptance sent a paid-in-full letter, confirming that the loan was satisfied in full. 
Despite the above, they are still inaccurately reporting the loan on my credit report as a repossession with a remaining balance of {$4100.00}. This is completely incorrect, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I was never in repossession status, and the loan was paid off through proper channels by both the insurance company and XXXX coverage. 
I have attempted to dispute this directly through the credit bureaus and contacted the lender, but the inaccurate information persists, causing unnecessary damage to my credit report and financial well-being.I am requesting that the CFPB investigate this matter and compel American Credit Acceptance to : Immediately correct the inaccurate reporting Update all credit bureaus to reflect the paid-in-full status Remove any mention of repossession or outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Charge-Off Entry Account # XXXX XXXX  XXXX XXXX XXXX  XXXX Dear CFPB, I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving my credit. 

In light of my efforts to rebuild my credit and maintain a positive payment history going forward, I kindly ask that you consider removing this charge-off as a goodwill gesture. I believe that this would reflect positively on my credit profile and help me achieve my financial goals. 

Enclosed are supporting documents demonstrating my current stability and good payment behavior, such as [ list any relevant documents if applicable ]. 

Please confirm in writing if you agree to remove the charge-off. I appreciate your understanding and consideration. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Charge-Off Entry Account # XXXX XXXX  XXXX XXXX XXXX  XXXX Dear CFPB, I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving my credit. 

In light of my efforts to rebuild my credit and maintain a positive payment history going forward, I kindly ask that you consider removing this charge-off as a goodwill gesture. I believe that this would reflect positively on my credit profile and help me achieve my financial goals. 

Enclosed are supporting documents demonstrating my current stability and good payment behavior, such as [ list any relevant documents if applicable ]. 

Please confirm in writing if you agree to remove the charge-off. I appreciate your understanding and consideration. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation