vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX is furnishing a negative collection account under my name to all three major credit bureaus. However, I have never received proper validation of this debt as required by 15 U.S. Code 1692g ( FDCPA ). Additionally, XXXX has failed to provide any original signed contract or legally binding agreement bearing my signature, which violates my rights under FCRA Section 609 ( a ) ( 1 ) and FCRA Section 623 ( a ) ( 1 ) ( A ). 

The Fair Credit Reporting Act mandates that only accurate, complete, and verifiable information may be reported. XXXX has failed to validate the accuracy of this account and continues to report it, which is a willful violation of federal law. 

I am also protected under 15 U.S. Code 1681s-2, which prohibits any person or company from furnishing inaccurate information to a consumer reporting agency once a formal dispute has been submitted. I believe XXXX is knowingly in violation of this 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
b'Subject: Inaccurate Credit Reporting of Student Loan Accounts by XXXXn\nI am filing this complaint to report inaccurate and XXXX credit reporting related to my XXXX XXXX XXXX student loans. Two loans, originally serviced by Navient, with XXXX  numbers:\n\nXXXX\n\nwere marked as XXXX on XX/XX/2024 However, on XX/XX/2024, both loans were successfully XXXX  and brought out of default, and they are now listed as paid in full.\n\nAs of this filing, the XXXX XXXX XXXX MOHELA (my current loan servicer), and XXXX (the guarantor) have all confirmed that my student loan accounts are either current or in in-school deferment, as I am enrolled in a graduate program.\n\nDespite this, XXXX continues to report XXXX remarks referencing two XXXX student loans. I believe these entries are inaccurate and tied to the aforementioned XXXX This false reporting has XXXX  my XXXX  and may interfere with future financial opportunities.\n\nI respectfully request that the CFPB investigate this matter and work with XXXX to ensure the immediate correction or removal of the erroneous XXXX  entries. This is a time-sensitive issue that is causing real XXXX to my financial standing.\n\nI am already in the process of reviewing this matter with legal counsel and am prepared to pursue all available remedies under the Fair Credit Reporting Act if this issue is not resolved promptly and in full.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX XXXX XXXX my mode of living and to my family! I demand the late payment reported to be XXXX They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime randomly XXXX  my account today with no prior warning or notice. My check was just deposited today and the account was XXXX shortly after. After calling customer service they said there was a break in policy or somewhat but they could not disclose any of the information pertaining to what policy 's were broken. I asked what was to happene about the money I had left in my account and was promptly told they could not issue me a refund. I've been using this account for almost XXXX  years with no issue and then I get a random XXXX and told theyre just get to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am trying to create an account with Experian but the email address and phone number is already linked to an account with my XXXX XXXX number and date of birth. I have tried multiple ways to contact Experian to try and get this resolved and there has been no resolution on their for the last XXXX  months. I need assistance in correcting the information on the Experian account so I can gain access to my XXXX XXXX with them.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-05 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" 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! 

"

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 2025-06-05 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: FL

Complaint narrative:
Finding XXXX  accounts, XXXX inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX  me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Equifax P.O. XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Sold Collection Account XXXX XXXX XXXX  Dispute Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} To Whom It XXXX Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my Equifax credit report. According to my records, this account was sold to a XXXX  debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 

Once a debt has been sold, the original creditor XXXX XXXX XXXX XXXX in this case ) should report the account as sold or transferred and with a XXXX balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 

Therefore, I request that Equifax : Immediately investigate this account and provide documented verification of the debt. 

Delete the account from my credit report if full documentation and ownership records are not provided within XXXX days. 

Send me a written statement of the results of your investigation. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to formally dispute and request the removal of an incorrectly reported auto loan on my credit report. 

Details : Lender : America First Credit Union XXXX XXXX : Approximately {$21000.00} Date of Origination : XX/XX/year> Issue : This loan is marked as XXXX  despite the vehicle being returned within XXXX  days, per the dealerships return policy. I did not retain or use the vehicle. 
Dealership : XXXX XXXX XXXX, AZ Attached is an official letter from the dealership acknowledging their error and confirming that this loan should not have been reported under my name. 

I kindly request that this account be removed or corrected from XXXX XXXX XXXX immediately, as it is inaccurately impacting my XXXX XXXX and ability to secure financing. 

Please confirm once the correction has been made or if any further documentation is required from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 looked at my Experian credit report on XX/XX/XXXX and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

* Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. * Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights * Account Name XXXX XXXX Account Number : XXXX has violated my rights * Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX ( 3rd party ) XXXXViolated my rights * Account Name XXXX XXXX Account Number XXXX has violated my rights * Account Name XXXX XXXX XXXX XXXX Number XXXX Account Type XXXX XXXX XXXX ( 3rd party ) has violated my rights * Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights * Account Name XXXX Account Number : XXXX has violated my rights * Account Name XXXX Account Number : XXXX has violated my rights HARD INQUIRIES NOT PERMITTED BY XXXX XXXX XXXX XXXX Inquired XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX Inquired on XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX Inquired on : XXXX has violated my rights XXXX XXXX XXXX XXXX Inquired on XXXX XXXX has violated my rights * XXXX XXXX XXXX Inquired on XXXX XXXX XXXX violated my rights XXXX XXXX XXXX XXXX Inquired on XXXX has violated my rights XXXX XXXX XXXX XXXX Inquired on XXXX XXXX has violated my rights

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 2025-06-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. 
XXXX ( a ) ), I request immediate blocking and deletion within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: KY

Complaint narrative:
Professional Credit Service sent me a collection notice. I called and told them this must be a mistake. I asked for a bill and they told me to call the company that allegedly hired them. I feel they should provide information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
" I was utterly shocked and XXXX upon discovering XXXX  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! 

"

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is the company I was involved in with identity theft which left me with a {$1000.00} debt collection on my credit. I called the collection agency who have the debt to get the debt validation info and none was sent. Date opened was XXXX

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