vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/year> I was concerned that I wasn't able to login to my XXXX XXXX App and had tried to recover my a count login thinking that I may have just forgotten my password or username, however, upon calling their automated customer support line, I was told that my social security number associated with my XXXX XXXX card number, was not correct and did not match the information necessary to login into my app or online. Therefore, I proceeded with calling XXXX XXXX customer service to speak with an agent, to sort this matter out and let them know that some one or somehow my social security number associated with my XXXX XXXX account, app and card was incorrect when I tried to recover my a count login and that the social security number, my social security number, had been recently changed somehow. This prompted me to demand an investigation into fraudulent activity and to review recent transactions which I found to have been unauthorized by me. This coincided with a theft of my XXXX  and XXXX XXXX as well as unauthorized access and activity into my XXXX and XXXX XXXX and icloud. This recent theft occurred XXXX days before XX/XX/year> and it rendered my accessing my XXXXXXXX XXXX XXXX XXXX XXXXXXXX and online banking accounts, inaccessible, resulting in a very difficult recovery process that im still having to tackle with till now since my phone number, XXXX, and emails, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as well as autofill password information through those XXXX, XXXXXXXX XXXX XXXX XXXX  accounts were typically used to gain access into my online banking/financial accounts such as my XXXX XXXX. 

I had explained this to XXXX XXXX fraud department in a comprehensive interview by an agent who i had spoken to and who had purportedly recorded the conversation as well as taken my information down to file a claim. I was then told by this agent from XXXX XXXX customer service fraud division, that I would need to return a form that was to be sent to me to provide further information and an amount that was lost in order for me to be compensated while investing was going to go on. 

I sent the form in, never got a confirmation of receiving my form via mail and fax and then just hot a denial for my claim that I lost about XXXX in fraudulent transactions to my XXXX XXXX card and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I am filing this complaint because my Equifax credit report contains several errors that are harming me financially. These errors include inaccurate late payment reporting and unauthorized hard inquiries. 

First, three accounts are being reported with false late payments : XXXX ( XXXXXXXX XXXX XXXX  opened XX/XX/XXXX, balance {$350.00} ) * * is showing late payments that are not correct. These entries are lowering my score and damaging my creditworthiness without proper verification. 

XXXX XXXX ( XXXXXXXX XXXX XXXX opened XX/XX/XXXX, balance {$1800.00} ) * * is also reporting late payments inaccurately. During the period they claim I was late, I was disputing billing issues with the creditor. Instead of addressing my dispute, the creditor marked me as late, which is misleading and unfair. 

XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance {$27000.00} XXXX XXXX XXXX  is reporting me late even though I was enrolled in a hardship assistance program that was supposed to prevent negative reporting. Despite this agreement, XXXX XXXX still reported derogatory information, which has caused me serious harm, including higher costs and difficulty securing fair auto financing. 

These late payment entries are not accurate or fair, and they violate the requirement for credit reporting agencies and furnishers to report only verified and correct information. 

In addition, my report is showing multiple hard inquiries that I did not authorize : XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I never gave these companies permission to access my credit report. Each unauthorized inquiry has lowered my score and created the false impression that I am aggressively seeking new credit, which is not true. Allowing these inquiries without my consent violates my rights under the Fair Credit Reporting Act ( FCRA ). 

These errors have directly impacted my financial stability. I have faced denials of credit, higher interest rates, and increased insurance premiums due to inaccurate reporting and unauthorized access to my credit file. 

I am requesting that the CFPB require Equifax and the furnishers of these accounts to conduct a proper investigation. Any account information that can not be verified with documented proof should be corrected or deleted, and all unauthorized inquiries must be removed from my report. 

I want my Equifax credit file to reflect only accurate and verifiable information, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I have asked a few times for debt validation, to no avail. Every time I ask for debt validation EdFinancial never submits it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Removal of Inaccurate Account Dear Consumer Financial Protection Bureau, I am writing to dispute an inaccurate account appearing on my credit report. The following account is being reported incorrectly and should be removed : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me.

This information is incorrect and is negatively affecting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and delete the inaccurate account from my credit file.

Enclosed are my FTC report number Please complete your investigation within the timeframe required by law and send me written confirmation of the results along with an updated copy of my credit report.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX Enclosures : FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed my FTC identity theft reports ( FTC REPORT NUMBERS : XXXX, and XXXX ) to support my claim. 
The following accounts were not authorized by me and are the result of identity theft : 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 XXXXXXXX I have repeatedly contacted your bureau , but you have failed to provide a resolution. Under federal law, you must block this information within four business days. These fraudulent accounts are directly preventing me from obtaining financing for a home for my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom this may concern, I have recently pulled my credit report and noticed that there are collection listings from different agencies. I have never been notified of these collections or that I owed the debt. This letter is to inform you that I have the right to request validation of this debt to collect money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt, or stop collection activity and remove it altogether. According to 15 USC 1692 ( C ) my rights were violated by unlawful communication. Please remove this collection from my credit report. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 2025-08-16 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: EQUIFAX, INC.
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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I dont believe this information is accurate. I should not have a XXXX reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I dont believe this information is accurate. I should not have a XXXX reported on my account

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Request for Cease and Desist of Collection Communications I told them to stop contacting you, but they keep trying via phone calls and mail to my house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$660.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$42.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
My credit report is showing multiple bankruptcy records ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Under the Fair Credit Reporting Act, specifically 611 ( 15 U.S.C. 1681i ), any item on a credit report that can not be verified must be deleted. Credit reporting agencies are also required under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy. Reporting duplicate bankruptcies or inconsistent filing dates is a clear violation of this requirement.

I request that the company investigate the source of these bankruptcy entries and remove any that are inaccurate, duplicate, or can not be verified directly with the court

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 2025-08-17 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: AL

Complaint narrative:
The creditor ( XXXX ) is reporting an account ( XXXX XXXX XXXX XXXX XXXX ) as open while also listing it as a charge off. This is inaccurate and misleading.Under FCRA Section 1681i ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate or incomplete information. According to FCRA guidelines and industry credit reporting standards, a charged-off account must be reported as closed, since charge-off status indicates the creditor has terminated the account and written off the debt as a loss. 
Reporting a charged-off account as open misrepresents the accounts status and damages my credit profile unfairly. 
In addition, I have formally requested from the creditor a copy of IRS Form 1099-C ( Cancellation of Debt ) for this account. Despite repeated written and verbal requests, the creditor has failed to provide the required documentation or confirm whether the debt has been canceled and reported to the IRS. 
This lack of response raises compliance concerns under IRS regulations as well as consumer protection obligations to provide transparency regarding a potentially forgiven debt.

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 2025-08-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX Equifax, XXXX XXXX  All XXXX  XX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Attempts to collect debt not owed. The vehicle was totaled loss the towing company never turned in the plates for the vehicle to the dmv also they would not allow access to the vehicle because all the personal information was inside the vehicle, so I had no way of showing proof of ownership the tow company stated all plates had been turned over to dmv all information turned into the original creditor collection agency Attempts to collect debt not owed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance is suing us when we voluntarily sent vehicle back in couple months which they took a long time to pick up after I called them, and trying to charge us {$12000.00}. Not to mention car didnt run right and their warranty was a joke and they didnt tell us amount of monthly payments until after the signing they made it look like it was cheaper then charged about {$640.00} a month or {$670.00} I forget exact monthly payment. They set people up for failure in every way possible.

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 2025-08-17 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: KY

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS

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 2025-08-16 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: OH

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with explanation