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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: RRD Financial LLC
State: VA

Complaint narrative:
I started financing a used car with this company Named RRD Financial, On XX/XX/XXXX of 2025 and they said they were gon na report my credit to XXXX Ive never been late on a payment but they still not reporting to the credit bureau. Ive paid XXXX payments of {$190.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to request that this hard inquiry be removed from my credit report as it negatively impacts my credit score. If this inquiry was made without my consent or due to an error, I kindly ask for its removal in accordance with the Fair Credit Reporting Act.

Please confirm the receipt of this request and inform me of any next steps in this process. If further documentation is required to support my claim, I am happy to provide it promptly.

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 2025-06-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Polio recovery continues to commit fraud by placing this account on my profile. I did not open this account. Someone stole my identity. This is the identity theft.gov report Im sending in however they continue to place this on my report as if Im the one who open the account I request a portfolio recovery be put under investigation for fraudulent activity per section 605 subsection BFCRA they must delete this item off my credit report within four business days, they have not responded with any original documentation with my original competent signature saying that I XXXX XXXX had this debt. I requested this information be blocked immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian the third party credit reporting agency, is selling monthly subscriptions for identity theft protection, while they sell off Americans information in the background. They are listed as the largest data broker. They have been getting away with this for over 12 years.

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 2025-06-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting evidence that XXXX XXXX has responded and has received my documentation, but still has not blocked this account and saying that my documentation from the CFPB is invalid I requested that the special handling department be put under an investigation in his portfolio recovery account be removed blocked immediately

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX customer service today XX/XX/XXXX at XXXX am XXXX. to complaint about the finance charge that it was charge in one shot for the amount of {$2600.00}. They just said that those fees and charges were accrued and i remembered that credit card was opened with a free APR for 24 months o XX/XX/XXXX and whatever balance after the promo will be subject to variable APR like any other regular credit card which is normal. But not that they will charge me all higher unlawful fees and charges outside of banking normal regulations the way that XXXX credit by commenity bank charge my account. My credit card balance on last statement of XXXX was {$2200.00} and they charge me XXXX time finance charge on XXXX for {$2600.00} and that makes my current balance goes up to {$4800.00} and will make me pay more on high APR and affect my credit score since the balance on the credit card went up over 90 %. I was about to have a heart attack by seeing this unlawful charges to consumers like that and the worst being denied by XXXX employees to help me reduce or eliminate the fee. I have never experience a such bad experience of a company lying to their customer and putting in place all this house rules to over charge people more than the federal reserve will allow banks to charge APR on credit card. I just one that finance charge of {$2600.00} to be remove on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am the parent of a deceased student. I originally took out a federal Parent PLUS Loan, which I later refinanced into a private loan through Firstmark Services. I was not properly informed that refinancing would strip away federal protections specifically, the discharge of the loan in the event of my childs death. 

My daughter passed away recently, and I have already spent over {$12000.00} in burial costs while currently unemployed. When I submitted a compassionate discharge request, Firstmark responded by offering only to remove her name from the loan but continue holding me fully responsible for repayment.

This is not only misleading but also unethical. I was not provided proper disclosure about losing discharge rights at the time of refinancing, and now I am being denied compassion or any clear options for relief.

I am requesting that Firstmark : Provide documentation showing what disclosures I was given during refinancing ; Consider a full discharge due to my daughters death and current hardship ; Place a hold on collection, interest, and reporting while this case is reviewed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I looked at my TransUnion XXXX XXXX credit report on XX/XX/year>, 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-06-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX 2011

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 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
I am submitting a formal complaint against Hunter Warfield for multiple violations of federal consumer protection laws related to an alleged debt from my former apartment. 

Details : Hunter Warfield reported a debt allegedly owed on or about XXXX to my credit reports without ever providing me written validation within five ( 5 ) days of initial communication, violating FDCPA 1692g ( a ).

The debt was reported without lawful validation, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ).

I never authorized Hunter Warfield to access, buy, or trade my personal consumer credit data. Their purchase and potential sale or securitization of this debt violated FCRA 604 ( a ) ( permissible purpose requirement ) and XXXX  XXXX ( unauthorized sharing of nonpublic financial information ). 
These actions likely constitute deceptive and unfair practices under Washington State Consumer Protection Act ( RCW 19.86 ). 

On XX/XX/XXXX, I sent a formal validation demand letter, including notarized affidavits, requiring full validation, cessation of credit reporting, and removal of the debt until properly validated. That letter is attached as proof of my dispute.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: FL

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to you have violated my rights 15 USC1992C and 15 USC1681 I A1A by in lawful communication. Please remove this collections off my credit report thank you Trans Union

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 2025-06-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
Submitted a transaction dispute on XX/XX/XXXX for a charge from XX/XX/XXXX. Hadnt heard from bank, so sent secure message on XX/XX/XXXX asking for update. No response to message. Messaged again on XX/XX/XXXXXXXX XXXX no response.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
According to you have violated my rights 15 USC 1992C by in lawful communication please remove this collection off of my credit report. Thank you.

Equifax

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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-06-28 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief