vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year> case number XXXX was XXXX through the XXXX district XXXX of Illinois. In this discharge Ally financial was in closed in this case and XXXX. Yet after several disputes last one being on XX/XX/year>. This company still fraudulently reports this account as open on my credit reports with a balance. 

Even with all of the documentation proven that this debt has been XXXX and within in my chapter XXXX. They refuse to update my credit file accurately even after the bureau reached out to them as well. 

This company is fraudulent and disregarding all laws regarding accurate credit reporting and the laws of the XXXX XXXX XXXX. 

This information to corrected ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the following accounts that are currently listed on my credit report. These accounts are inaccurately reported, and I request a thorough investigation into each entry. 

CHARGED OFF XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$130.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$64.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$590.00}

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 explanation
Consumer complaint received 2025-12-04 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: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from your company was placed within my Experian credit file without my permission and need to be removed. The Act specifies that you must document your reasons for requesting my report and as far as Im concerned its without my permission and is in error, remove them as well. I am depending upon your company to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute multiple inaccurate entries on my credit report. The accounts listed below contain errors that are negatively affecting my credit standing. I request your assistance in investigating and correcting these inaccuracies as soon as possible. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} * * Reported as Late Payment. I have never made late payments on this account. The late payment status is inaccurate and must be corrected to reflect my true payment history. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4400.00} * * Reported as Charge-Off. I have no knowledge of this account. I request a thorough investigation and deletion of this account from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} * * Reported as Charge-Off. I do not recognize this account. I request deletion from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9600.00} * * Reported as Late Payment. I have always paid this account on time. The late payment status is false and must be corrected immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$14000.00} * * Reported as Collection. I have no knowledge of this account. I request its removal from my credit report. 
XXXX. XXXX XXXX Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Reported as Collection. I do not recognize this account and request deletion from my credit report. 
These inaccuracies are causing substantial harm to my creditworthiness. I respectfully request that CFPB investigate these accounts and ensure that all erroneous reporting is corrected or removed promptly.

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 2025-12-04 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CO

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 2025-12-04 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: CO

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 2025-12-04 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Credit Acceptance Corporation ( CREDITACPT  ) for illegally reporting CLOSED account with inflated balance, outdated information, and harmful inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

This account were closed in XXXX, yet they continue to be updated with new balance information in XXXX, which is not only inaccurate but This is impossible and constitutes : False balance reporting Re-aging of debt Furnishing information after account closure Failure to report accurate date of closure These actions violate FCRA 15 U.S.C. 1681s-2 ( a ) the furnisher must NOT report false, misleading, or outdated information. 



1.Credit Acceptance Corp CLOSED XX/XX/XXXXXXXX  This account is also closed but is still being updated in XXXX  with a balance of {$8600.00}, even though the highest balance was {$11000.00} and the loan ended years ago. 

Again, this is : Illegal updating of a closed account False balance reporting Inaccurate payment history Re-aging of an old debt Violating the 7-year reporting rules FCRA requires all information furnished to be accurate, current, and verifiable these accounts fail all three.

2. This Furnisher Are Violating Federal Law This account clearly show : Incorrect balances Accounts marked CLOSED but still being updated Negative reporting beyond normal reporting timeframes Failure to properly report date of first delinquency ( DOFD ) Failure to report accurate final payment information This is willful noncompliance with the FCRA, including : 1681s-2 ( a ) duty to provide accurate information 1681i duty to reinvestigate inaccuracies 1681e ( b ) requirement for maximum accuracy Their reporting is causing : Credit score damage Denial of financial opportunities Ongoing reputational harm I have the right under FCRA to have inaccurate or unverifiable information deleted, not corrected.

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 2025-12-04 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that are inaccurately reported on my credit report. I request that these items be thoroughly investigated and corrected as necessary. 

Inquiries : XXXX  Date : XX/XX/year> Late Payments : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2025-12-04 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 formally dispute the following accounts that are currently listed on my credit report. These accounts are inaccurately reported, and I request a thorough investigation into each entry. 


CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/year>XXXX  Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 recently reviewed my credit report and noticed fraudulent accounts that are damaging my credit score. Please remove these reports, as they are affecting my ability to obtain credit

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 2025-12-04 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXXXXXX

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 2025-12-04 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: AZ

Complaint narrative:
I am submitting this statement as a consumer seeking correction of inaccurate and unverifiable information appearing on my credit reports. I am requesting that the Consumer Financial Protection Bureau assist in ensuring that each credit reporting agencyXXXX XXXX  and TransUnionfully investigates these disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

Charged Off Accounts Unverified or Inaccurate Reporting XXXX Acct # XXXX Reported XX/XX/XXXXXXXX  with {$1300.00} balance. I do not recognize this account. Please validate or delete if unverifiable. 

Hard Inquiries Unfamiliar or Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these inquiries. Please confirm permissible purpose or remove them as unauthorized. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX Please verify any reported late payments for accuracy and completeness. Remove if not verifiable.

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 2025-12-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 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: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
FIRST, I TRIED to PAY the credit card OFF IN FULL. Several days later I was notified THEY REVERSED THE CHARGES. 
SECONDLY, I HAD THIS ACCOUNT ( as I do ALL my MONTHLY bills ) setup on AUTO PAY. 
AFTER SEVERAL MONTHS, I notice- THEY HAD STOPPED my AUTOPAY. ( without informing me ). * I SENT THEM correspondence asking WHY they did this WITHOUT NOTIFYING ME! 
TO THIS DAY, I HAVE NOT RECEIVED A EXPLANATION- even AFTER being CONTACTED BY THE CREDIT BUREAU .

I HAVE A SCREENSHOT OF THE COMMUNICATION I SENT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: MO

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX Creditor Being Reported : XXXX XXXX Account Ending : XXXX Issue : Charge-off reporting inaccurately after being sold ; no verification provided Complaint Description : XXXX XXXX is reporting a charge-off that has been sold, yet they continue to report negative information with no verification. 

I disputed this account four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No response has ever been received, which violates : FCRA 1681i Must reinvestigate within 30 days FCRA 1681s-2 ( b ) Must investigate after bureau notification FCRA 1681g Must provide method of verification FCRA 1681e ( b ) Must maintain accurate reporting The account is : Sold Reporting inconsistently Not being updated Not being validated in ANY response Federal law requires immediate deletion of this unverifiable negative information. 

This inaccurate charge-off has caused : Higher interest rates Credit denials Severe impact on my credit score Requested Resolution : I am requesting the full deletion of this charge-off from the credit bureaus due to XXXX XXXX  failure to verify , failure to investigate, and inaccurate continuing reporting.

Company response to consumer: Closed with explanation