vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
This complaint is about false late payment reporting by Experian on three accounts : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). I have never made a late payment on any of these accounts, yet Experian is reporting delinquency that is completely inaccurate. I am not disputing the accounts themselves or asking for deletion I am specifically challenging the late payment marks, which are false and must be corrected. This inaccurate reporting violates my rights under the Fair Credit Reporting Act. Experian is required under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of all information it reports. Reporting false derogatory marks without proper verification directly violates this requirement. Additionally, there is no valid permissible purpose for reporting false late payments under 15 U.S.C. 1681b. I also never gave written consent for such inaccurate data to appear, which qualifies for blocking under 15 U.S.C. 1681c-2. The failure to address and correct this misinformation after dispute constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I am demanding immediate correction of the false late payment entries not account deletion and full documentation of how Experian verified this inaccurate 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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Got in car accident and our car insurance trying to pay off car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

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 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: VA

Complaint narrative:
I settled a XXXX XXXX account ( ending in XXXX ), and it has been removed from my credit reports. Despite this, Unifin continues to call, text, and send mail demanding payment on a debt that was resolved. 
On XX/XX/year>, they sent another letter offering payment plans, even though I no longer owe the debt. This is a violation of the FDCPA and is causing stress and confusion. I have not received any new documentation proving I still owe anything. 
I am attaching the XX/XX/XXXX letter and a current credit report showing the account is no longer present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported under my name as a result of identity theft. Due to this fraudulent activity, I am currently unable to open a checking or savings account at multiple financial institutions. 

Specifically, I have been denied account access or services by the following banks : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The denials have been tied to negative entries found in XXXX and/or Early Warning Services XXXX which I believe are the direct result of identity fraud. I did not authorize any of the accounts or activity being reported. 

I am requesting an immediate investigation into these records and a full removal of any inaccurate, fraudulent, or unverifiable information associated with my name and Social Security number. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). 

Attached are supporting documents, including : My government-issued photo ID Proof of address A completed Identity Theft Affidavit ( if applicable ) A copy of the denied account letters ( if available ) I appreciate your prompt attention to this matter and request that all findings be reported to me in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to dispute an entry on his consumer report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Californias Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ). XXXX is reporting a hard inquiry by Navy FCU dated XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX. I did not apply for credit or otherwise authorize Navy FCU to pull his credit on any of these dates. 
Legal Basis for Dispute FCRA 1681b ( c ) requires permissible purpose ( e.g., a signed application ) before a hard inquiry may be made. No such authorization exists here.

FCRA 1681i ( a ) ( 1 ) ( A ) mandates a reasonable reinvestigation of any disputed item and deletion of information that can not be verified within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) requires that, if an item is found to be inaccurate or unverifiable, it must be deleted promptly.

Under California law, Cal. Civ. Code 1785.11 ( a ) obligates CRAs to report only accurate and complete information, and 1785.16 ( a ) mirrors the FCRAs reinvestigation requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The week of XX/XX/year>, I was notified from my XXXX account that my Synchrony-bank\XXXX-XXXX  account was closed causing my XXXX XXXX to drop XXXX points from XXXX to XXXX. This was my oldest account spanning XXXX  years, and that length of time helped my XXXX XXXX which I monitor frequently. I looked in my mail and email for any notification that my account would be closed due to inactivity. I found nothing. This is greatly affecting my ability to apply for a new home lease and will take time to repair. Had I been notified of closure I would have used the account to keep it active to maintain my credit. Knowing how sensitive and important credit scores are, this is XXXX and XXXX behavior that could be solved simply by notifying customers. I called XXXX XXXX  on XX/XX/XXXX to ask if my account can be reinstated or if the closure could be labeled as " closed by consumer '' to lessen the credit impact. She said no such thing could be done and there's no notification about account closure that gets sent out. I am now left to repair my credit caused by an action I had no control over.

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 2025-06-27 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:
Credit Report Date : XX/XX/XXXX Accounts in Dispute : XXXX XXXX, Account # XXXX {$2500.00} XXXX XXXX, Account # XXXX {$980.00} Dear CFPB XXXX, This letter is to demand the immediate removal of XXXX fraudulent charge-off accounts listed under XXXX XXXXXXXX on my Experian credit report. I never opened these accounts, never authorized any transactions, and did not consent to any credit agreement with XXXX XXXX. 

These accounts are not mine, and I reject any claim of debt or responsibility associated with them. I am exercising my full rights under federal law to have them permanently deleted. 

Legal Grounds for Deletion : Under FCRA XXXX / FACTA XXXX, I have the right to have any account resulting from identity theft or unauthorized use blocked and removed immediately. 
FCRA XXXX requires removal of any account that can not be fully verified with legally binding documentation including my signed consent and identification. 
FDCPA XXXX ( b ) prohibits collection activity if the debt is disputed and the collector can not provide legal validation. 
These accounts were either opened fraudulently or erroneously linked to my profile. I am not responsible for them and will not accept any validation that fails to show a signed agreement directly linking me to these debts. 

Data Breach Exposure : Given the scope of the XXXX XXXX XXXX data breach disclosed in XX/XX/XXXX, which exposed personal and financial data of over XXXX XXXX Americans, including names, SSNs, and contact details, I believe these accounts may be tied to fraudulent use of my information. Continuing to report them only increases the risk of further harm and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Credit Report Date : XX/XX/XXXX Accounts in Dispute : XXXX XXXX, Account # XXXX {$2500.00} XXXX XXXX, Account # XXXX {$980.00} Dear CFPB XXXX, This letter is to demand the immediate removal of XXXX fraudulent charge-off accounts listed under XXXX XXXXXXXX on my Experian credit report. I never opened these accounts, never authorized any transactions, and did not consent to any credit agreement with XXXX XXXX. 

These accounts are not mine, and I reject any claim of debt or responsibility associated with them. I am exercising my full rights under federal law to have them permanently deleted. 

Legal Grounds for Deletion : Under FCRA XXXX / FACTA XXXX, I have the right to have any account resulting from identity theft or unauthorized use blocked and removed immediately. 
FCRA XXXX requires removal of any account that can not be fully verified with legally binding documentation including my signed consent and identification. 
FDCPA XXXX ( b ) prohibits collection activity if the debt is disputed and the collector can not provide legal validation. 
These accounts were either opened fraudulently or erroneously linked to my profile. I am not responsible for them and will not accept any validation that fails to show a signed agreement directly linking me to these debts. 

Data Breach Exposure : Given the scope of the XXXX XXXX XXXX data breach disclosed in XX/XX/XXXX, which exposed personal and financial data of over XXXX XXXX Americans, including names, SSNs, and contact details, I believe these accounts may be tied to fraudulent use of my information. Continuing to report them only increases the risk of further harm and misrepresentation.

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 2025-06-27 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: TX

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within XXXX XXXX  All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am disputing a late payment that appears to be inaccurately recorded on my credit report. As someone who takes great care in maintaining financial obligations, I find this mark both surprising and concerning. It misrepresents my payment conduct and has already affected my access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On XX/XX/year> I went to XXXX in XXXX, California to pay my water bill through MoneyGram. 
My water company 's name is XXXX XXXX XXXX. The MoneyGram employee sent my payment to XXXX instead . I found out when I received a threat to turn off my water. I called the water company and they said they didn't get the money. With receipt in hand I went to XXXX and they opened a case with MoneyGram. Every time I checked back with XXXX they heard nothing from Moneygram and told me there nothing they could do for me. They told me to contact MoneyGram.

I contacted Moneygram several times and got more than XXXX case number for the different cases opened. I was told by MoneyGram to contact XXXX as they received the money. I contacted XXXX several times to only be told to contact MoneyGram.

I contacted Moneygram again and elevated my complaint to a supervisor. I was given another case number and today I received an email with a " resolution ", I was told yet again to contact XXXX as they are the ones who received my payment. I called them 3 times today and they said to call MoneyGram. XXXX further told me that the account number on my water bill is not duplicated anywhere in their system.

Moneygram confirmed that XXXX received the funds and only they can release them. XXXX said that only MoneyGram can ask them to release the funds. 

No one wants to take accountability for the lost money. And here I an a senior citizen who is on Social Security and now I am under threat of having the water turned off for the mistakes of others. The bill was for {$300.00} and I was charged a {$2.00} fee. All of which I paid in cash. 

I am beyond upset and stressed and do not know how to solve this problem. Please, make MoneyGram take accountability and return my funds so that I can pay my water bill before it is shut off. Thank you. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not delete this account immediately, please provide the required information. 
I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending 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 2025-06-27 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: IN

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 non-monetary relief