vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX, I received a call from Credit Acceptance regarding my CFPB complaint. The reason for this report, was because a report was made that I was XXXX  days past due on my auto loan. I was told NUMEROUS times by NUMEROUS agents that I didn't have to make payments as my car was NOT in my possession. I was in an auto accident on XX/XX/XXXX and since then, I have had difficulty obtaining another auto loan and move on. I settled this account, and I even ended on good terms, but the company refuses to remove the remark on good terms as they are " Obligated to report accurate information. '' I am unsatisfied with this resolution, and I am requesting to push this to the fullest extent. I am not stopping until this is resolved, as I did nothing wrong. Nobody pays for a service they no longer have/use. It is incredibly unfair and offensive for Credit acceptance to keep a report of such a late payment all because they couldn't train their agents to give correct policies. I also have submitted a complaint with XXXX XXXX XXXX Office of the Attorney, XXXX XXXX XXXX XXXX. I will no longer have a mistake made by Credit Acceptance affect me for years to come. I have a family I need to take care of, and this is preventing me from getting a vehicle.

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 2025-07-22 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I have a collections account of XXXX with XXXX XXXX XXXX, I called yesterday XX/XX/year> ; I asked for a negotiation. The employee gave me a reduction to 40 % I asked for a settlement offer letter and she refused. I said I wouldnt pay without it because I needed confirmation. I also need the settlement offer for divorce purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/year>, MOHELA reported XXXX of my student loan accounts as XXXX days late to the credit bureaus. However, throughout XXXX, I contacted MOHELA multiple times and was informed that my loans were in forbearance due to a pending Income-Driven Repayment ( XXXX ) application. At no point was I notified that the application had been canceled or that I needed to begin making payments. 

On XX/XX/year>, I spoke with a MOHELA representative who confirmed that the XXXX application had been canceled without notice and that my loans were in forbearance from XXXX through XX/XX/year>. Despite this, MOHELA reported the accounts as delinquent, which negatively impacted my XXXX XXXX. 

I requested that MOHELA correct the inaccurate reporting and update the credit bureaus, but the issue has not been resolved. I am requesting that the CFPB investigate XXXX failure to notify me of the IDR cancellation and their improper reporting of late payments during a time my loans were not in repayment status.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-22 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: TX

Complaint narrative:
I am writing to notify you of a fraudulent account that has appeared on my credit report. I did not open this account, nor did I authorize anyone to do so on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am disputing a XXXX XXXX XXXXXXXX account reporting inaccurately on my credit report. I am not liable for this debt and have no signed agreement or proof of obligation with XXXX. I formally disputed the account and demanded validation in accordance with XXXX XXXX XXXX, XXXX ( FCRA ) and XXXX XXXX XXXX ( FDCPA ). 

XXXX has not responded to my dispute or provided any documentation to verify the accuracy of the tradeline. This is a direct violation of the FCRA, specifically : XXXX ( a ) ( XXXX ) : Failure to investigate disputed information within XXXX  days XXXX ( b ) : Duty of furnisher to investigate, correct, and update inaccurate info XXXX ( b ) : Failure to maintain accuracy and integrity of information No original signed agreement, full accounting records, or legal validation have been provided. The account remains on my credit reports with false and harmful information. Discovers failure to respond also constitutes willful noncompliance under XXXX XXXX XXXX, exposing them to statutory damages

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 2025-07-22 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: CA

Complaint narrative:
I am disputing a charged-off XXXX XXXX account reporting inaccurately on my credit report. I am not liable for this debt and have no signed agreement or proof of obligation with XXXX. I formally disputed the account and demanded validation in accordance with 15 USC 1681g, 1681i ( FCRA ) and 15 USC 1692g ( FDCPA ). 

XXXX has not responded to my dispute or provided any documentation to verify the accuracy of the tradeline. This is a direct violation of the FCRA, specifically : 1681i ( a ) ( 1 ) : Failure to investigate disputed information within 30 days 1681s-2 ( b ) : Duty of furnisher to investigate, correct, and update inaccurate info 1681e ( b ) : Failure to maintain accuracy and integrity of information No original signed agreement, full accounting records, or legal validation have been provided. The account remains on my credit reports with false and harmful information. XXXX failure to respond also constitutes willful noncompliance under 15 USC 1681n, exposing them to statutory damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EdFinancial Services
State: TX

Complaint narrative:
I disputed a student loan with ED Financial over XXXX days ago due to FERPA, Privacy Act, and Higher Education Act violations. I never received a response. Instead, the account was marked payment deferred, which does not resolve the legal concerns. 

I also submitted a dispute through XXXX  The result was that the account remained, and no real investigation occurred. 

I sent a second escalation letter by certified mail and I am now filing this complaint because my privacy rights were violated, and the servicer failed to act within the required legal timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
All these accounts within the attachments explains that my consumer rights are being violated and they should be removed from all three credit reports 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
All these accounts within the attachments explains that my consumer rights are being violated and they should be removed from all three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$1400.00}

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 2025-07-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, someone gained access to my dormant Home Depot Citibank account, locked me out, and maxed the card. This was brought to my attention in XXXX when I received a XX/XX/XXXXday late payment notification through identity theft protection services at XXXX. I filed a dispute through Experian on XX/XX/XXXX. On XX/XX/XXXX, Citibank denied the dispute and stated that I owned the account. I called Citibank on XX/XX/XXXX. They denied me access to the account, as I could not verify the information that the thief changed. I filed another dispute through XXXX via XXXX identity theft protection on XX/XX/XXXX. On XX/XX/XXXX, Citibank denied the dispute, stating that I own the account and debt. However, they can't verify that I am the person who can gain access to the account to report it lost or stolen. On XX/XX/XXXX, Citibank marked the account as XXXX  days past due. I am locked out. If I pay the amount, the thief can just max the card again.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On * * XX/XX/XXXX * *, I initiated a wire transfer for * * {$20000.00} * * through * * Regions Bank * * on behalf of my client. The transfer was intended to be completed promptly, but as of today, my client has not received the funds. This delay has resulted in significant financial losses on my end, totaling * * {$100000.00} * *. 
# # # # Timeline of Actions Taken : - * * XX/XX/XXXX * * : Wire transfer of * * {$20000.00} * * was initiated via * * Regions Bank * *. 
- * * XX/XX/XXXX * * : I contacted customer service at Regions Bank to confirm the status of the transfer. I was informed that the transfer was being processed. 
- * * XX/XX/XXXX * * : Followed up again with Regions Bank and was told to wait for a few more days as they were experiencing delays. 
- * * XX/XX/XXXX * * : I visited the Regions Bank branch in person to inquire about the transfer. Despite my repeated requests, I was not provided with any documentation or updates. 
- * * XX/XX/XXXX, XXXX, XXXX * * : Made another visit to the Regions Bank office to seek assistance. Still did not receive any concrete information regarding the transaction. 

Given that it has been over XXXX weeks without resolution, I request immediate action on this matter, as it is impacting my business significantly. 

Thank you for your prompt attention to this issue.

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 2025-07-22 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: PR

Complaint narrative:
The credit bureaus reinstate these accounts without the legally required five-day notice. These accounts were eliminated for being fraudulent and containing errors. Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENTLY OPEN, EQUIFAX : XXXXXXXX XXXX ERROR REPORTED, EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REINSTATE WITHOUT 5 DAYS NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PR

Complaint narrative:
The credit bureaus reinstate these accounts without the legally required five-day notice. These accounts were eliminated for being fraudulent and containing errors. Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENTLY OPEN, EQUIFAX : XXXXXXXX XXXX ERROR REPORTED, EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REINSTATE WITHOUT 5 DAYS NOTICE.

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 2025-07-22 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: MoneyLion Inc.
State: CA

Complaint narrative:
It Shows in my credit but I have no knowledge of it or was the money was ever taken out Or used

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
In XX/XX/year>, I disputed several inaccurate accounts on my TransUnion credit report. Some were updated, but others were marked verified as accurate without any supporting documentation or validation. This violates FCRA XXXX and XXXX ( a ). Additionally, the reporting format appears noncompliant with XXXX XXXX XXXX standards. I am requesting full documentation or deletion of all unverifiable accounts. See attached letter for details.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX reported XXXX late payments on my credit report for amounts of {$10.00} and {$20.00}. These payments were not over XXXX  days late, and I was not notified of any delinquency. I disputed the entries with Equifax and provided proof that my account is current. Despite this, the late payments remain on my report with no valid verification. 

I am requesting that these inaccurate and unverifiable late payment entries be removed from my Equifax credit report in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-07-22 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: NC

Complaint narrative:
Im not familiar with these inquiries. They seem unauthorized and possibly fraudulent. Please take swift action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation