vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TN

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 605B of the Fair Credit Reporting Act.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). 

I disputed a collection account with Experian and XXXX  related to an alleged XXXX  debt from XXXX NC, which XXXX is reporting with a balance of {$850.00}. I disputed this item directly with Experian and XXXX, and the account was updated but not changed. This indicates that XXXX verified the account without conducting a reasonable investigation, as required by law. 

XXXX has not provided any evidence that it owns or has been assigned this debt, nor any contract or documentation to support its claim. I believe they are falsely reporting inaccurate and unverifiable information on my credit report, causing financial harm. 
I have attached my original dispute, Experians response, and a formal Notice of Intent to XXXX sent to XXXX. 
I am requesting the following resolution : Full validation of the debt, including chain of title and original contract from the creditor, XXXX XXXX deletion of the tradeline with written confirmation, and a settlement offer contingent upon deletion, if no validation can be produced. 

XXXX  failure to comply with federal law has interfered with my ability to access credit and financial opportunities, and this complaint serves as a formal demand for regulatory intervention.

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 2025-07-03 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:
YOUR COMPLAINT I HAVE VIEW MY XXXX  REPORT XXXX  XXXX  XXXX  IS REPORTING ON MY CREDIT REPORT I HAVE CONTACT THEM OVER AND WHICH I HAVE BEEN SPEAKING WITH THE SAME PERSON FOR LIKE A XXXX  NOW XXXX XXXX AND SHE REPEATED TOLD ME SHE WOULD REMOVE THE ACCOUNT XXXX  XXXX  XXXX  ACCOUNT DUE TO FRAUD BUT NOW IT XX/XX/year> IS STILL REPORTING ON MY CREDIT REPORT ITS ONLY REPORTING ON EQUIFAX CREDIT AND I HAVE DISPUTED WITH EQUIFAX OVER AND OVER FOR THE PASS XXXX  MONTHS AND THEY KEEP ON POSTING IT RIGHT BACK ON MY CREDIT REPORT, DUE TO FRAUD PLEASE REMOVE THE ACCOUNT OF MY CREDIT REPORT AS SOON AS XXXX. AND UPDATE MY CREDIT REPORT PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
This company is going against the Electronic Fund Transfer Act ( EFTA ), also known as Regulation E. When I signed up for the loan the only option they gave me was to sign up for automatic payments out of my checking account. They did not allow me to sign up for a paper copy bill. This is against the law, also when I asked about revoking auto debit payments they told me I couldnt do it. I had to call and speak to a manager in order to get the correct information. I highly recommend looking into this company, because I do not think they are following federal guidelines and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions denial of my fraud claim, which involved a spoofing scam, a form of unauthorized electronic fund transfer via social engineering and manipulation.

Despite clearly explaining that I was deceived by someone impersonating a legitimate entity, Navy Federal denied my claim, labeling it as authorized. However, this determination fails to recognize that I was the victim of fraudulent inducement, which falls under Regulation E protections. 

Here are the details : Date of transaction : XX/XX/year> Amount lost : {$3800.00} Type of scam : Spoofing/impersonation How it happened : I was contacted by the official Navy Federal Credit Union phone number, and when I picked up, it was someone claiming to be a Navy Federal representative , who appeared credible and had some of my personal information already proceeded to ask the typical questions a Navy Federal representative would ask before proceeding. I was then informed that my bank account had been completely compromised, and I was instructed to transfer my funds into a secure bank account, as they were unable to secure my original account. I would need to move my funds to a secure account for 2 days, and I would receive a credit until the funds are back in my account. They used persuasive tactics and spoofed contact information to gain my trust. Under that false belief, I initiated the transfer.

Although I physically initiated the transaction, I did so under fraudulent pretenses, misled by a scammer exploiting my trust in Navy Federals systems. The fraudsters deception should be treated as unauthorized access, consistent with Consumer Financial Protection Bureau guidance and case precedent on electronic fraud.

Additionally : I reported the fraud to Navy Federal within the required timeline ( within 60 days of the statement ). As well as reached out to the other banks or organizations involved in the transfer ( Apple, Lead bank and Sutton bank ) Navy Federal did not appear to conduct a thorough investigation or provide detailed reasoning for the denial.

I was not provided with clear documentation of how they concluded the transaction was authorized.

This was not a simple mistake or buyers remorse it was a clear case of fraud, and I am seeking full reimbursement of the funds stolen. I trusted Navy Federal to protect my assets, and I am deeply concerned by their failure to treat spoofing-based fraud with the seriousness it deserves.

I request that the Consumer Financial Protection Bureau investigate this denial and encourage Navy Federal to reevaluate their decision in light of their responsibility under Regulation E and federal consumer protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: CA

Complaint narrative:
I received {$500.00} deposit in my account I never signed any loan documents I had gone online and filled out several applications. It turned out to be XXXXXXXX XXXX. Thay have now withdrawn over {$1000.00} from my account. I now need to close the account to stop them from withdrawn any more funds. These online scammers need to be held accountable. If they are allow to continue how many others will they scam. A warning to all never do business with this scammers. If they do not respond I will be fileing a lawsuit

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 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XXXX I received a communication from Midland Credit Management ( MCM ) regarding an alleged debt. In response, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and mailed a formal debt validation request to MCM via certified mail with return receipt on In my letter, I requested that MCM provide documentation verifying the debt, including the name of the original creditor, a breakdown of the charges, and proof that they are legally authorized to collect this debt. I also requested that they cease collection activity and mark the debt as disputed on any credit report until they validate it.

As of today, I have not received a response to my request, and the debt may still be appearing on my credit report and/or collection activity may still be ongoing.

I am now seeking assistance to ensure this matter is properly investigated and resolved in accordance with the FDCPA and FCRA.

The account number listed on my credit reports shown as XXXX in the amount of {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A collection company is trying to collect a debt for an apartment complex I never lived at with an address which is not listed as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Unauthorized accounts are being reported under my name without my knowledge or consent. I have never opened, authorized, or managed these accounts. This is unacceptable and results in misleading and inaccurate information on my credit report, which misrepresents my financial history. 
I take my credit standing seriously, and the presence of these accounts is deeply concerning. I request immediate clarification regarding how these accounts appeared and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Michigan, with financing through XXXX XXXX XXXX. The sale was misrepresented, and the vehicle had undisclosed issues. I was sold a car under false pretenses with a service contract that did not provide proper coverage. I disputed the loan and asked XXXX XXXX to investigate, validate the debt, and stop reporting inaccurate tradeline information. 

I submitted a formal written dispute, demanding they cancel the debt due to the misrepresentation and failure to correct the matter. I also requested validation of the debt and supporting documents. To date, XXXX XXXX has failed to respond meaningfully or correct the information. They continue to report this tradeline, which is damaging my credit and was initiated under deceptive circumstances.

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 2025-07-04 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: GA

Complaint narrative:
After I disputed a medical collection account with the credit bureau, For XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX it was marked as verified. However, this account is for a medical debt that was sent to a third-party collection agency. Under the Health Insurance Portability and Accountability Act ( HIPAA ), a third-party debt collector should not have access to my private medical information without my explicit consent or a valid authorization.

When I requested validation from the collection agency or the credit bureau, I did not receive any documents that are compliant with HIPAA standards or that prove they had the legal right to access or report my medical information. Simply stating the debt is verified is not enough. They must provide actual documentation that does not violate HIPAA and that proves the debt is accurate, valid, and legally reportable.

I believe the verification process violated both my rights under the Fair Credit Reporting Act ( FCRA ) and HIPAA, and I am requesting that the CFPB require the credit bureaus and the collection agency to provide proper validation or remove the item from my credit report.

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 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX. I financed the amount of {$41000.00} on XX/XX/year>. I financed the vehicle through Kia XXXX XXXX I was attempting to give my first payment on vehicle on XX/XX/year>. I noticed the website did not let me register my account because it stated that my social security number and XXXX were incorrect. The website informed me to call customer service. ( XXXX ) On XX/XX/year> ; I went to the dealership at around XXXX and we called and spoke with multiple reps from Kia XXXX XXXX XXXX XXXXXXXX ) who have acknowledged that the Vehicle Sales Contract from XXXX XXXX contained the CORRECT Information. The representative from KIA XXXX XXXX acknowledged that they made a clerical error when creating my account on their end. They inputted an incorrect Social Security Number and possible DOB. The representative from KIA XXXX XXXX  spoke with the Finance Manager XXXX XXXX from XXXX XXXX and requested that I send a copy of my Social Security Card to fax # XXXX. XXXX and myself faxed my social security card and account number twice to this fax number on XX/XX/year> and I have an emailed receipt showing completion of this request. 

On XXXX XXXX ; I spoke with XXXX ( Escalations Dept KIA XXXX XXXX  ) ( Employee ID XXXX ) and she stated that she could not fix this clerical error and would have to file a complaint to KIA corporate. She requested that I fax my Birth Certificate and Social Security Card to KIA XXXX XXXX. She also acknowledged that they in fact did have access to the original Vehicle Sales Contract from XXXX XXXX and that it reflected my CORRECT Social Security Number. She could not verify where my social security card and account number were faxed too as they have not been received or attached to my file. She did acknowledge that the fax number was correct. I do not feel comfortable sending any more of my private information to KIA XXXX XXXX They should have sufficient information with the Vehicle Sales Contract that was sent in from the dealership XXXX XXXX. She provided me with a complaint service request number XXXX and stated that XXXX Corporate would follow up with me in XXXX days. 

I checked my credit report from multiple agencies and can see that the Hard Inquiry was pulled on the date of purchase but it does not reflect an account or a balance from KIA XXXX. My first month 's bill is due on XXXX XXXX and I need this sorted out so I can make a payment to my account and have digital records and access to my account containing balances and personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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