vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
What happened? 
I discovered multiple inaccurate and fraudulent accounts on my TransUnion credit report, which are the result of identity theft. I did not open or authorize the following accounts : XXXX Opened XX/XX/XXXX Reported balance : {$4000.00} XXXXXXXX XXXX  Opened XX/XX/XXXX Reported balance : {$540.00} XXXX XXXX Opened XX/XX/XXXX Reported balance : {$3400.00} XXXX Opened XX/XX/XXXX Reported balance : {$0.00} XXXX Opened XX/XX/XXXX Reported balance : {$0.00} XXXX XXXX Opened XX/XX/XXXX Reported balance : {$17000.00} These accounts were not initiated or authorized by me. I have filed a police report to document this identity theft and have also contacted TransUnion directly to request removal. These fraudulent entries have caused severe harm to my creditworthiness and financial reputation.

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 2025-05-19 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per XXXX XXXX. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I returned a XXXX home Wi-Fi box in-store, following their instructions. The store representative handled the return and was responsible for shipping the device back. I handed over the device in great condition, no defects and barely used. 

Later, I was informed that the device was damaged during transit and that I would be charged {$220.00}. I was never notified or shown any evidence of damage at the time of return. The charge was then sent to a collection agency, Credence Resource Management, and is now showing up on my credit reports. 

This debt is inaccurate and unfair. I did not damage the device, and XXXX has no valid proof that I did. The store handled shipping and should be liable for any damage that occurred after I handed over the device. 

I am requesting the immediate removal of this collection account from all credit reporting agencies and that the collection be canceled. I should not be penalized for a shipping issue caused by XXXX own staff. 

I have already filed disputes with the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I ran my credit and I seen some unauthorized inquirers on meh credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I have no clue what this is for. I dont have any outstanding cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Account Dept. Of XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action. 

I am writing to formally request vertification of my student loan records and to dispute any inaccuraciess with the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and applicable consumer protection laws. 

As a student, I have the right to access my educational records, which includes information about any student loans. 
I am seeking to verify the following details regarding my student loans. 
XXXXThe total amount borrowed and any outstanding balance. 
XXXX. The terms and conditions of the loans including interest and repayment schedules. 
XXXX. Documentaion related to the loans, including promissory notes and disclosures. 
XXXX. Information regarding any past due amounts or defaults if applicable. 

Furthermore, I believe there may be inaccuracies in my loan records, potentially violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection regulations. I request that you provide clarification on any disccrepancies and detailed account of how the information was calculated. 

Please respond to this request within the timeframe specified by XXXX as I need to ensure my records are accurate and complaint with consumer law. If you require any additional information or documentation to process my request please don not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
My account with XXXX XXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC
1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX and XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from 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 2025-05-20 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , XXXX  credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately Bridgecrest Account Number : XXXX Balance : {$34000.00} Status : Charged-off ( Closed ) XXXX XXXX Account Number : XXXX Balance : {$8500.00} Status : Charged-off ( Closed These accounts are a result of identity theft and potential data compromise beyond my control These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law.

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting.

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice. 


Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files. 

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA.

Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After graduating XXXX XXXX, I had some parts of XXXX of my student payments set up on Auto-pay through the loan servicer XXXX XXXX for the amount of {$200.00} per month. During COVID, these loans were paused as they were in talks of student loan forgiveness. They were paused for over a XXXX  to a XXXX XXXX XXXX XXXX. During this time, XXXX had apparently acquired XXXX XXXX in a merger of some sort and took over my loans from XXXX XXXX. The only way I found out about this was due to my Credit Score dropping by XXXX points for a XXXX past due balance. I had never gotten contacted through phone or physical mail about the change of company and the disabling of auto-pay. It was only after my credit was negatively affected did I go back to the old email I had used when I had gotten the loan and it said something about the change. This email was among many other scam emails trying to get student repayment and I was unable to discern what was real or fake during that time and whether or not it was a scam- I just assumed real student loan companies would have sent me something VIA mail. Up until recently, I had been at the same address but never received anything from them showing the transition from XXXX XXXX to XXXX and assumed my auto pay had resumed and it continued to pay the balance OR the student loans had been forgiven. Instead, it has not only accrued interest but it has also negatively affected my credit score from over XXXX to XXXX. I can not apply for some apartments and housing without this being fixed. I am more than willing to make payments and I have spoken to XXXX about this problem and wanted it to be resolved but they had notified me that the period of Goodwill is over and since i am not MIlitary, Bankrupt, or a current student they can not drop this off of my credit report. I plan on bringing the account current in a short amount of time while i'm in a period of financial hardship, but this has all affected my life and my credit in a very unexpected and negative way when I had thought this loan had already been taken care of.

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 2025-05-20 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: VA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in the Equifax data breach. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PayTomorrow, LLC
State: CA

Complaint narrative:
I sent a formal payment revocation notice to PayTomorrow on XX/XX/year>, revoking all ACH and credit card authorization under the Electronic Fund Transfer Act ( Regulation E ).

Despite this, PayTomorrow attempted to charge my XXXX  XXXX credit card ending in XXXX a total of XXXX times, on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These charges are unauthorized, clearly violating Reg E.

Additionally, PayTomorrow reported this lease to XXXX  in XX/XX/year>, without marking the account as disputed which violates the Fair Credit Reporting Act ( FCRA ). 

I have notified PayTomorrow repeatedly, and they continue attempting charges without consent. I request regulatory investigation and full relief.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: TX

Complaint narrative:
they opened the account without proper authorization anyone can open your account without valid proof this is hurting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

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. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
XXXX  loand serviced was changed and XXXX  sent a message saying that autopay would pay my mtg , butthe auto pay didn' go through  as  of teh XXXX, so I paid it. Valon processed a XXXX XXXX XXXX and not is playing games about goiving me a refund os XXXX. I called should take another XXXX  days. I called them the XXXX and XXXX  on teh XXXX  they said that it had already been sent to XXXX XXXX XXXX XXXX XXXX  has no record of receiving anything, and XXXX  is now saying the XXXX. The rep today said they don;t control processing times. I get paid by clients via ACH and it takes less than a day. 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  rep conversation::Thank you for your patience as I verified your information. I see you are inquiring about a refund from XXXX. Please accept our apologies for any confusion. While the payment was refunded on XXXX it can take XXXX business days for banks to process refunds or payments. As this was done on the XXXX  the fourth business day would be XXXX XXXX XXXX  originally inquired XXXX  when I saw it was withdrawn\n4:16 PM\nThe rep on 5/12 said 3 days. I need the money back. XXXX XXXX said there was nothing incoming and no holds XXXX XXXX  am filing a report to the CFPB. I want interest back on my money also. This has caused me a HUGE XXXX XXXX XXXX you did contact us on the XXXX  to request a refund, please know that the request first goes to our XXXX XXXX, who typically need XXXX  business days to process the ticket. Once the ticket is worked, it takes another XXXX  business days for us to move the funds internally. After that, there is an additional XXXX  business days for the funds to be sent to your bank. In this case, we were able to complete the refund on the XXXX. This is withing the expected XXXX  business days. that our representative stated. However, bank processing times can vary and usually take an additional XXXX  business days. Unfortunately, those processing times are outside both our control and your banks. Please accept my apologies my system is currently slow and it is taking time to type the response.."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NE

Complaint narrative:
XXXX XXXX XXXX, I submitted a request to Equifax to change my address. I submitted the proof of address. I also submitted a request to remove 4 items from my credit report because of inaccurate. I also requested that late payments be removed from an account that I wasnt charged any late fees, so I requested that the inaccurate information be updated on that 1 account.

1. Account XXXX should have been updated with no late payments. 
2. Accounts XXXX, XXXX, XXXX, XXXX were requested for removal for inaccurate information.

Company response to consumer: Closed with explanation