vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal dispute regarding inaccurate and inconsistent account data being reported on my consumer credit file. I have submitted a detailed, line-by-line side-by-side comparison, clearly marked with discrepancies in bold red, demonstrating violations of Metro 2 compliance standards and federal law. These include direct violations of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ( failure to conduct a lawful reinvestigation and correct or delete inaccurate information ). I am demanding a true, human-led reinvestigation, not a system-generated outcome based on dispute codes or automated templates. This dispute must be taken seriously and evaluated by a qualified representative, with full documentation of the reinvestigation retained as required by law. A generic, system-driven response will be treated as non-compliance. This agency is not above the law. I expect full accountability and strict compliance with every letter of the FCRA. The 30-day legal window to conduct a lawful reinvestigation and provide a final resolution is mandatory, not optional.

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 2025-08-04 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: LA

Complaint narrative:
The consumer reporting agency is in willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. I provided a valid Identity Theft Report, sufficient proof of identity, and a formal written request for removal, fully meeting the legal requirements established under federal law. Nevertheless, the agency failed to block the disputed information within the four-business-day timeframe mandated by statute. This noncompliance constitutes a direct violation of my rights under the FCRA and has resulted in ongoing financial harm and reputational damage.

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 2025-08-04 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: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : 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 Disputed Account Information : LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-08-04 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: OH

Complaint narrative:
I am writing to dispute the inclusion of my XXXX XXXX XXXX discharge as a public record by Experian. The bankruptcy was discharged on XX/XX/year>, and this information was made public without my permission. I did not authorize anyone to share my personal details regarding this bankruptcy. 
Reference Number : XXXX I am writing to dispute the inclusion of my XXXX XXXX XXXX discharge as a public record by TransUnion. The bankruptcy was discharged on XX/XX/year>, and this information was made public without my permission. I did not authorize anyone to share my personal details regarding this bankruptcy. 
Reference 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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

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 2025-08-04 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-04 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: Wildhorse Financial Services, LLC
State: FL

Complaint narrative:
A company by the name Gravity lending gave permission to two lenders to run hard inquiries on me for the purposes of a loan which I never gave authorization to. I have already spoken to gravity lending upper management several times and they have told me that they will contact XXXX XXXX and XXXX  to have them removed and they have notone of the inquiries is from XXXX  XXXX Inquiry : XXXX. XXXX, 2025 on XXXX and XXXX POSTAL SERVICE Inquiry : XXXX. XXXX, 2025 + Credit Unions ( XXXX ) XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding was deleted from my XXXX credit report after a dispute, but it was reinserted around XX/XX/year>, without notifying me. 

Under the FCRA, they are supposed to send a written notice within 5 business days, and I never got anything.

This is hurting my credit, and im asking for it to be remove due to this violation. I've attached by report showing the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: DISCOVER BANK
State: DE

Complaint narrative:
I have a debit card with Discover bank. The account has my social security deposited in that account every month. Yesterday I tried to use that card at XXXXXXXX XXXX XXXX and it was denied ( {$6.00} ) and I had to pay cash for my purchase although the balance in the account was more than {$300.00}. Today, XX/XX/year> I tried to use this card at XXXX  XXXX  fore a purchase of more than {$20.00} and it was denied again. I called the number on that credit card ( XXXX ) while trying to use the card and was told that the card has issue. This is so upsetting at my age of XXXX and the need to use that card because of money there which I need to use for food and other necessary expenses!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX [ XXXX Credit Bureau Name : XXXX  XXXX Equifax / XXXX  ] Re : Unauthorized or Unverified Hard Inquiries Request for Immediate Removal SSN ( last 4 ) : XXXX XXXX : XX/XX/XXXX FTC Identity Theft Report # : XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of XXXX hard inquiries that recently appeared on my credit report. These inquiries were made without my full authorization and are not tied to any open or active account on my file. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA 604, 15 U.S.C. 1681b ), a hard inquiry may only be placed on a consumers report if there is a permissible purpose and explicit authorization. Additionally, the FCRA mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they furnish. If the inquiry can not be fully verified including proof of authorization it must be removed. 

These inquiries are not associated with any currently open account, and I have not received documentation confirming that I authorized these pulls. Furthermore, I have filed an Identity Theft Report with the Federal Trade Commission, Report Number XXXX, to further support my claim. 

Accordingly, I request that these inquiries be removed from my credit report immediately. Please investigate and respond with written confirmation of the results of your investigation within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This auto loan account is listed as closed but still shows an abnormally high unpaid balance of XXXX. I voluntarily surrendered the vehicle and was not the primary borrower. 

This collection account with progressive is inaccurate and was never validated. I previously submitted a debt validation request to the collector, but no proper validation was received. Under FDCPA 809 ( b ) and FCRA 611, this account should be removed due to failure to validate and ongoing reporting despite dispute

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal dispute regarding inaccurate and inconsistent account data being reported on my consumer credit file. I have submitted a detailed, line-by-line side-by-side comparison, clearly marked with discrepancies in bold red, demonstrating violations of Metro 2 compliance standards and federal law. These include direct violations of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ( failure to conduct a lawful reinvestigation and correct or delete inaccurate information ). I am demanding a true, human-led reinvestigation, not a system-generated outcome based on dispute codes or automated templates. This dispute must be taken seriously and evaluated by a qualified representative, with full documentation of the reinvestigation retained as required by law. A generic, system-driven response will be treated as non-compliance. This agency is not above the law. I expect full accountability and strict compliance with every letter of the FCRA. The 30-day legal window to conduct a lawful reinvestigation and provide a final resolution is mandatory, not optional.

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 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am disputing a {$5600.00} collection placed by PRO COLLECT, reported on XX/XX/XXXX, and opened in XX/XX/XXXX. This stems from my lease at XXXX XXXX Apartments in XXXX XXXX, TX. 

In XXXX XXXX, the central A/C in my unit failed. Despite repeated service requests, the issue was never resolved. A technician visited weekly and admitted the unit needed full replacement, yet repairs were delayed for over a month. 

This caused my electricity bill to exceed {$1000.00} in XXXX alone, and I was forced to vacate and stay in hotels when power was shut off. The landlord failed to maintain livable conditions and violated Texas XXXX XXXX XXXX. Despite this, the complex placed a {$5600.00} collection against me for unpaid rent. 

I am requesting immediate removal of this collection and full investigation into the legality of the debt. I have documentation proving the uninhabitable conditions, inflated utilities, and financial 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute regarding inaccurate and inconsistent account data being reported on my consumer credit file. I have submitted a detailed, line-by-line side-by-side comparison, clearly marked with discrepancies in bold red, demonstrating violations of Metro 2 compliance standards and federal law. These include direct violations of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ( failure to conduct a lawful reinvestigation and correct or delete inaccurate information ). I am demanding a true, human-led reinvestigation, not a system-generated outcome based on dispute codes or automated templates. This dispute must be taken seriously and evaluated by a qualified representative, with full documentation of the reinvestigation retained as required by law. A generic, system-driven response will be treated as non-compliance. This agency is not above the law. I expect full accountability and strict compliance with every letter of the FCRA. The 30-day legal window to conduct a lawful reinvestigation and provide a final resolution is mandatory, not optional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX [ Credit Bureau XXXX ] [ Address ] Re : Dispute of Charge-Off Entry under FCRA Section 1681 To Whom It May Concern : I am writing to dispute a charge-off entry on my credit report. The account in question is : Creditor : PATIENTFI Account Number : Date of Charge-Off : XX/XX/XXXX This information is inaccurate/incomplete because the account was paid off early and the payment history and amount incorrect Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter removing the inaccurate information from my credit report. 

Please complete your investigation within the 30-day window as required by law. Kindly send me a written confirmation of the outcome. 

Sincerely, 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