vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, P.C.
State: NJ

Complaint narrative:
I am writing to formally acknowledge that I have previously sent two certified letters with return receipts, requesting validation of the alleged debt referenced in their communications. Despite these requests, I have not received satisfactory documentation confirming their legal authority to collect this debt.

To reiterate, I requested the following items as part of the validation process : Agreement with their client that grants you the authority to collect on this alleged debt. Agreement that bears my signature wherein I agreed to pay the creditor Any insurance claims made by any creditor regarding this account. The signed contract with my signature for this alleged debt. Date of the original agreement and signed contract/application. Any judgments obtained by any creditor regarding this account. Name and address of the alleged creditor. Date this alleged debt became payable. Date of the original first late payment/delinquency/charge-off. All payments made toward the alleged debt. Verification that this debt was assigned or sold to your firm. A complete accounting of the alleged debt. And as of today, I have not received these items I asked for. They have threatened me with a judgements, and court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXXc-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is knowingly and willfully reporting fraudulent and unauthorized information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681c-2 ( Section 605B ). 

I submitted a legally valid FTC Identity Theft Report ( Report XXXX XXXX ) along with this dispute, which outlines in detail the following accounts that are the result of identity theft : XXXX Opened without my consent in XX/XX/XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX Fraudulent address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Inaccurate name variant : XXXX XXXX This identity theft was discovered in XX/XX/XXXX and is supported by an FTC report and sworn affidavit under penalty of perjury. You have everything you need to act. 

Demand for Action : Under Section 605B of the FCRA, Equifax is federally required to block these accounts, names, addresses, and inquiries from my report within 4 business days of receiving this notice and documentation. You have already received the following : Identity Theft Report filed with the FTC Statement affirming the fraud under penalty of perjury Detailed list of fraudulent accounts and inquiries Equifax has failed to comply with this federal law and is knowingly prolonging the harm caused by identity theft. This is a gross violation of consumer rights and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I have been requesting a complete payment history and breakdown of my auto loan from Ally Auto since XX/XX/scrub>t 2024. Despite multiple follow-ups via secure message and phone calls, I have not received the requested documentation. 
I noticed that my loan balance increased even though I have been making regular monthly payments. I do not understand how the payments are being applied, and Ally Auto has failed to provide any clear explanation. 
I sent a formal Request for Information and have still not received a response. I believe this may be a violation of my rights under federal law, and I need this matter resolved as soon as possible.

I am requesting a full payment history, breakdown of charges and interest, and an explanation for the increased loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
Around XX/XX/XXXX I submitted one application for a checking and savings account at Alliant Credit Union. Over the next week I received messages from Alliant via their secure messaging web portal about how they want a residential address on the application. Despite me clarifying that it is not required by law to collect a residential address, I continued to receive the same canned response. Even when I told them that I am submitting my application with that address and ask them to either approve it or deny it, I only received the same canned response. I then asked for an adverse action disclosure, and have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern, This letter is to inform your company that I want to dispute the following items on my Equifax credit profile : XXXX. XXXX XXXX XXXX account, inaccurate and unverifiable XXXX. XXXXXXXX XXXX XXXXXXXX XXXX account, invalid and not mine 3. Unauthorized hard inquiries Including XXXX XXXX XXXX XXXX XXXX 4. Incorrect or outdated personal information Keep only : XXXX XXXX XXXX, XXXX, GA XXXX Delete all other addresses and all employment history 5. Bankruptcy Already deleted by Equifax ; I request written confirmation it will remain removed and not be reinserted Did you see that your company was sued by the Consumer Financial Protection Bureau ( CFPB ) for unlawfully failing to properly investigate consumer disputes? The CFPB alleged that Equifax did not take sufficient steps to intake, investigate, and notify consumers about disputes, which resulted in false or inaccurate information staying on reports. 

Your company is also known for telling consumers that items will not be re-investigated once previously verified. We now know those investigations were often never properly done. I am demanding a complete and proper reinvestigation and for the removal of all items listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NewYork XXXX XX/XX/year> Subject : Request for Validation of Debt Pursuant to the FDCPA Dear, PORTFOLIO RECOVERY ASSOCIATES I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please consider this a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. 

Under the law, I have the right to receive detailed information about the alleged debt. Therefore, please provide the following : - The name and address of the original creditor ; - The amount of the alleged debt, including a breakdown of interest, fees, or other charges ; - Documentation proving that I am legally obligated to pay the debt ; - A copy of the signed agreement or contract, if applicable ; - Proof that your agency is authorized to collect this debt. 

Until this information is provided, you must cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, or if already reported, delete it from my credit reports. 

This is not a refusal to pay but a request for clarification and validation. Please respond in writing. I also request that you do not contact me by phone. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
Since XX/XX/year>, I have contacted Sallie Mae multiple times to request temporary forbearance on my private student loan due to financial hardship. I was laid off through no fault of my own earlier this year and have been actively searching for work since. Ive asked for a short-term forbearance period to avoid default while I stabilize my situation. 

Despite my efforts to communicate clearly and in good faith, Sallie Mae has repeatedly provided conflicting, confusing, and incomplete information. Most recently, in XX/XX/year>, a manager informed me that I would need to bring the account current by paying approximately {$1200.00} in order to be considered for forbearance but even if I made that payment, there was no guarantee I would qualify. 

When I asked for clarification, I was told decisions are made by an internal algorithm based on company policy, but no one could explain what the criteria are or why my current status didnt already qualify. I also asked what would happen if I paid the {$1200.00} and was still denied forbearance, and the answer was : nothing would change. I would simply be out of money money I need to survive with no resolution. 

Additionally, no one has been able to tell me how much the late fees will be if I do not pay, further contributing to the sense of uncertainty and financial risk Im facing. 

As of today, my amount due is over {$2900.00}, which I can not afford given my current unemployment and financial situation. I believe this behavior is exploitative, non-transparent, and predatory, especially toward borrowers actively trying to avoid delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation