vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp
State: FL

Complaint narrative:
I have disputed the account reported by MERCHANTS ACCEPTANCE C ( Account Number : XXXX ), which they claim is for financing a XXXXXXXX XXXX XXXX XXXX. The contract and statement they provided do not contain my genuine signature the signature on the contract is not mine. 

This is clear evidence that this debt is fraudulent and not authorized by me. I demand immediate removal of this account from all credit reporting agencies. Continued reporting of this account without my authorization or a valid signature violates the Fair Credit Reporting Act ( FCRA ) and is causing irreparable harm to my credit and reputation. 

I expect swift corrective action and full compliance with my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains information that I believe is inaccurate and unverifiable. I previously submitted a dispute to [ Experian / TransUnion / Equifax ] about the following account : The credit bureau responded that the account was " verified, '' but they did not explain how it was verified or provide any proof. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) help me get answers to the following : 1. Who was contacted to verify the account?

2. What company or data furnisher provided the verification?

3. What documents were used to confirm the information? 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation, and I believe the bureau has not fully met that obligation. 

I have included copies of my ID, proof of address, and previous dispute communications to support this complaint. I am requesting a full investigation, and I would like this account removed if it can not be properly verified with evidence. 

Thank you for your assistance

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 2025-07-31 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: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
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 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 explanation
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
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 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 explanation
Consumer complaint received 2025-07-31 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:
there some things on my report that not mine please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there some things on my report that not mine please help

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 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I do not owe this debt due to the fact I have 2 different insurances and I was told everything was covered. At first I received phone calls after I told them not to call me, but my insurance company. They continued to call me. They also never provided paperwork of this debt with my signature from themselves or the original party they bought the alleged debt from. I asked for a paper copy of my debt sent to my adress and never received one.

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 2025-07-31 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:
I am submitting a follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I am submitting a follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 2025-07-31 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-31 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: NY

Complaint narrative:
XXXX XXXX is reporting a negative account on my credit report through TransUnion without my authorization or a permissible purpose, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I never consented to them furnishing this information, and this reporting is causing damage to my credit profile. This may also violate 15 U.S.C. 1681s-2 ( a ), which requires information furnishers to report data accurately and with proper authority.

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 2025-07-31 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: GA

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 2025-07-31 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: MI

Complaint narrative:
Issue : Inaccurate and inconsistent credit reporting ; failure to properly investigate disputes ; continued reporting of delinquencies after legal resolution and settlement. 

Company : Credit Acceptance Corporation What Happened : I am disputing Credit Acceptances continued inaccurate and inconsistent reporting of my auto loan account. Despite my account being legally resolved through a court-approved payment plan and eventual settlement, Credit Acceptance has continued to furnish false and misleading information to the credit bureaus. 

Key facts : In XX/XX/XXXX, Credit Acceptance retained XXXX, XXXX XXXX XXXX XXXX and assessed a suit fee on my account, initiating legal action. 

A default judgment was entered on XX/XX/XXXX, after which garnishment proceedings began. 

A court-approved installment payment plan was established to stop garnishment, which I complied with. 

On XX/XX/XXXX, I paid the settlement balance in full, and the attorney firm issued a refund for overpayment. 

Despite this, Credit Acceptance continued to report the account as past due. 

On XX/XX/XXXX, Credit Acceptance received my certified mail arbitration and dispute package, yet they have failed to correct my credit report or respond appropriately. 

My account is reported to XXXX XXXX XXXX, but is completely missing from XXXX, showing inconsistent and incomplete reporting across the XXXX major credit bureaus. 

XXXX XXXX XXXX reports also disagree with each other : one reflects the account as XXXX  days late, while the other shows it as XXXX  days late, despite being the same account. 

As of todays date, the account is still being furnished as XXXX  days late, even though the balance is {$0.00} and the account is closed, which is false and damaging. 

Multiple CFPB complaints have already been filed on this matter without resolution. 

Attempts to obtain records from their legal counsel, XXXX, XXXX XXXX XXXX XXXX, have been ignored ( both by mail and email ). 

Impact : This inaccurate and conflicting reporting has severely harmed my creditworthiness. I have been denied housing and auto loans, forced into higher interest rates, and faced ongoing reputational and financial damage despite having satisfied the debt in full.

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 2025-07-31 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Debt Collection & Credit Reporting Violations Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Company Complained About : Name : Spring Oaks Capital , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary : I am filing this complaint due to multiple, unresolved violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by Spring Oaks Capital , LLC related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Despite prior disputes through the credit reporting agencies, Spring Oaks Capital has continued to report inaccurate information. They are actively furnishing misleading and harmful data to the credit bureaus in violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( a ) ( 3 ), as well as XXXX XXXX  reporting standards .

Violations : Inaccurate Credit Reporting : Accounts are reported as Open : Collection accounts must be reported as closed underXXXX XXXX XXXX guidelines. An open status implies an active credit relationship, which is false for third-party collections.

Past Due Amount reported : Collections are already in default and should not reflect a past due balance, as this misrepresents the nature of the debt and causes double damage to my credit profile. 

Payment history segments are inappropriately populated : Payment history should not be reported for collection accounts. 


Evidence Attached ( if submitting digitally ) : Screenshot of current credit report showing open status and past due amounts. 

Signed, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a continuation of a previously submitted CFPB complaint involving XXXX  and XXXX. Due to the system 's limit of three companies, I am filing this second complaint to address the same legal violations committed by the furnishers listed here : XXXX XXXX, Capital One, and XXXX 

I have active security freezes on all major secondary consumer reporting agencies, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These furnishers have continued to report and/or verify derogatory information despite the fact that they had no legal or technical ability to verify my identity or disputes. This is a clear violation of the FCRA and FACTA. 

XXXX XXXX ( XXXX accounts ) : Both accounts were charged off and remain on file. Verification is impossible with secondary bureaus frozen, and no proof was ever provided. 

Capital One ( XXXX open accounts ) : I am not disputing the existence of the accounts, but I am disputing the late payment history reported and verified multiple times. Verification could not have legally occurred, as the bureaus used to verify late payment behavior were frozen. 

XXXXXXXX XXXX XXXXXXXX : This charged-off account continues to report, and the furnisher falsely verified it despite frozen third-party data sources. 

These companies are being reported both to the CFPB and to the Georgia Attorney General for potential enforcement under the XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Applicable federal violations include : FCRA 604 No permissible purpose due to frozen files FCRA 611 Failure to conduct proper investigations FCRA 623 ( a ) Reporting unverifiable/inaccurate data 15 USC 1681n & 1681o Civil liability for willful and negligent noncompliance FACTA 312 ( implied ) Verification not possible with security freezes in place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Response to TD Bank 's Claim Regarding Withheld Funds XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau CC : TD Bank Legal Department Federal Deposit Insurance Corporation ( FDIC ) New Jersey Office of the Attorney General Subject : Response to TD Bank 's Claim Regarding Withheld Funds - Supporting Documentation Included Dear CFPB Representative, I am writing in response to TD Bank 's assertion that certain wire transfers and checks associated with my account were invalid, resulting in the prolonged withholding of funds. I formally dispute this claim and submit the following evidence validating the transactions. 
Attached is an email from XXXX XXXX at XXXX XXXX XXXX, dated XX/XX/year>, confirming valid payments made to XXXX XXXX XXXX XXXX. The documentation includes detailed payment breakdowns for the following vehicle VINs : - VIN : XXXX - Total Paid : {$26000.00} - VIN : XXXX - Total Paid : {$14000.00} These summaries verify that XXXX XXXX XXXX XXXX received the funds as part of legitimate vehicle transactions. The payment records include vehicle price, lending fees, and applicable deductions, all issued by XXXX, a trusted dealer services partner. There are no fraud claims or retractions associated with these payments from XXXX or any related institution. 
In addition, XXXX XXXX took a loan from XXXX XXXX XXXX XXXX to support the transaction. The issued check cleared successfully, and XXXX has been making continuous payments on that loan as agreed. I also have supporting documentation verifying these facts. 
TD Bank 's interference by unjustly holding the funds has hindered the successful completion of this deal, negatively impacting both the business and the individuals involved. 
We respectfully request that TD Bank promptly release the withheld funds or provide verifiable documentation supporting their fraud claims, which have not been produced to date. 
We also request the Consumer Financial Protection Bureau 's assistance in resolving this matter and ensuring that the account holder 's rights are upheld. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am requesting the immediate and permanent removal of the following unauthorized credit inquiries from my credit report due to identity theft : XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> These inquiries were not authorized by me. They are the result of identity theft, not legitimate applications. I have already submitted the required identity theft documentation, including : Government-issued photo ID Social Security card Proof of address FTC Identity Theft Report Under 15 U.S.C. 1681b ( c ), credit reporting agencies are not permitted to report inquiries made without the consumers knowledge or consent. Further, 15 U.S.C. 1681c2 requires that identity theft-related information be blocked within XXXX business days of receiving proper documentation. 

I am requesting the following actions : Immediately delete the XXXX unauthorized inquiries listed above. 

XXXX all related identity theft information from reappearing on my file. 

Provide written confirmation of the deletions and blocks. 

Send an updated, corrected copy of my credit report reflecting these changes within XXXX business days. 

If this is not resolved promptly, I will file formal complaints with the CFPB, FTC, BBB, and State Attorneys General. I will also pursue my legal rights under FCRA XXXX, which provides for up to {$1000.00} per violation, plus legal fees and actual damages. 

This is a lawful and time-sensitive demand under federal law. I expect immediate compliance and written confirmation of resolution.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation