vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Ongoing Credit Reporting After Charge-Off and IRS Write-Off I am filing a complaint regarding a vehicle loan account with United Auto Credit on my credit report with the amount of XXXX remaining ; for which I was the co-signer. The vehicle in question was repossessed and, according to the dealership/lender, the account was charged off and written off to the IRS. Despite this, the creditor is continuing to report the account monthly to the credit bureaus as if it is active, with an increasing delinquency status and balance. 

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as the account should reflect its correct status including the fact that it was charged off and/or canceled. Furthermore, if a 1099-C form was issued and the debt was considered canceled, continuing to report the balance and delinquency can be misleading and potentially unlawful.

I am requesting that the CFPB investigate this creditors credit reporting practices. I also request a full audit of how the account has been reported to the credit bureaus since the charge-off and repossession, and that any inaccurate or misleading reporting be corrected or removed entirely.

Please let me know if any additional documentation is needed to support this claim. I am also prepared to dispute this directly with the credit bureaus and provide any 1099-C or dealership documentation available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
The car was stolen police found in the insurance and XXXX was supposed to pay off the car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on XXXX  different days. This is an inaccurate report. The last activity and the last reported is also reporting differently. Where did you receive these inaccurate reports? Please delete these inaccurate reports immediately.

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 2025-05-24 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: CL Holdings LLC
State: GA

Complaint narrative:
Several companies have reported to my credit report and I have no knowledge or consent for these companies to have my information. They're trying to collect monies that I do not owe them because I have no contract with them. They opened these accounts back in XXXX, XXXX, and XXXX, for XXXX of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
they call my phone from XXXX  everyday all day... email me everyday .. and try to access my bank account and wont allow me to change the bank account to one that I can pay the bills with

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I received an email from Chase stating that my phone number had been removed from my XXXX account. I did not authorize this. I immediately contacted Chase customer service. The first representative told me that Chase was parting ways with me, which was alarming and confusing. When I asked for clarification, the issue was escalated. A second representative told me that the message had been a mistake and that they had intended to remove a different customers information. 

Despite multiple follow-up calls to both Chase and XXXX over the past few months, I have been unable to re-enroll my phone number or even add a new email to continue using XXXX through the Chase app. This has caused ongoing inconvenience and raises concerns about account security and customer communication. I am seeking a resolution that allows me to resume using XXXX through Chase and a clear explanation of why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have sent multiple requests for a reinvestigation into the following inaccuracies on my report. Transunion has failed to provide any acceptable amount of proof to verify XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The return response from Transunion is continually verified with no proof provided. I am demanding Transunion to provide proof for the method of verification, if you can not provide proof, remove the inaccurate account from my report. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.

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 2025-05-24 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent collections on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN REFUSE TO INVESTIGATE ACCORDING TO FCRA AND PROVIDE DOCUMENT

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 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: NFM, INC
State: VA

Complaint narrative:
On XX/XX/scrub>/25 working with NFM lending out of XXXX VA, agent XXXX XXXX purposely avoided providing a loan estimate sheet after application repeatedly asking for 3 days. Once texted Good morning, my offer on the XXXX XXXX property has been accepted, Id like a full loan estimate sheet with the closing cost breakdown and fees as Im shopping between brokers and would like to compare the full information. Thank you! After having provided a pre approval letter I was texted back Congratulations! I think were going to separate ways at this point. Im not interested in competing or being compared. Good luck to you XXXX. Congratulations on the house. This was not an attempt on my part to use his offer to negotiate a lower rate/closing cost with another broker, but purely to compare. Throughout the whole process all I was provided was a cash to close amount, monthly payment, and rate. This experience was horrible as a first time homebuyer and led to a delay in being able to purchase my home. Thankfully the sellers were understanding and willing to work with me, but XXXX was horrible about being honest with me about the breakdown of fees, and purposely avoided any conversation where I asked for that information. As someone going through the process for the first time my realtor was the one reason I was able to get out of this pickle

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XX/XX/XXXX My Personal Information was HACKED by Unauthorized XXXX XXXX ( XXXX ) By Criminal Intent in Unauthorized XXXX  XXXX To XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Agent Confirmled That An Illegal Crime in Emergency XXXX XXXX Allows XXXX XXXX XXXX To Alter The XX/XX/XXXX XXXX XXXX XXXX XXXX To Bill A Foreign Country XXXX XXXX By Unauthorized Currency NOT XXXX Dollars UNAUTHORIZED This Is Illegal Criminal XXXX  Lending Act Violations with XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Is Required To Investigate This Horrific Phishing At XXXX XXXX XXXX XXXX and Identity Theft In TransUnion XXXX XXXX XXXX XXXX XXXX XXXX by E MAIL Verification with CFPB XXXX  XXXX in FBI XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX Due Process of Law Termination With XXXX XXXX ; Year Membership Required in Obstruction of Justice by Federal Law In Consumer Lending Act Fraud Unresolved Since XX/XX/XXXX - A Financial Attack By Conspiracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called Captial One and spoke with XXXX. The account XXXX was reported to the credit bureau instead of XXXX. XXXX does not report until XX/XX/XXXX. They are telling me they did report the account XXXX. I spoke to XXXX the manager and she confirmed as well. The acct ending in XXXX is not even due yet and it has been reported already this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
on XX/XX/XXXX I received a XXXX XXXX alert that a hard inquiry has hit my credit. This inquiry came from Citibank NA/THD at the location of XXXX, TN. I called the XXXX number associated with the inquiry and was sent to automated response for home depot card services. After entering the necessary information ( SS # ) I was stuck in an endless loop of " We can not find an account with that SS # ''. Only way I could speak to a real person was to attempt to open a new account. I was then transferred 3 times to finally get to the " retail fraud protection team '' where I was immediately disconnected. Tried this process 3 more times with the same results. After 4 hours of calls with no results I attempted to call equifax. Their offices were closed. I called XXXX  again on XX/XX/XXXX at XXXX and reported the inquiry as fraudulent. They instructed me to file this report. I have never applied for a Home Depot credit card. The last credit app I submitted was for the lease of my truck on XXXX XXXX XXXX. Besides reporting fraudulent inquiry to protect myself this is an official complaint of Citibank services for making this process impossible to complete. They need to have better phone services so people can call and at least report fraud to protect themselves.

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 2025-05-24 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: NM

Complaint narrative:
Unable to complete disputes or recieve fair equitable report from any agency or data furnisher. Also unathorized use of trademark with multiple warnings about $ XXXX standard usage fee shall be charged for any unathorized use of my mark. If you dont want to pay fees then do not use!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/scrub>/2023 XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXXXXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XX/XX/scrub>/2023, XXXX XXXX  XX/XX/year>2023. 
XXXX XXXX XXXX  XX/XX/scrub>/2023, XXXX XXXX  XXXX/XXXX/2023 & XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/scrub>/2023 XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXXXXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XX/XX/scrub>/2023, XXXX XXXX  XX/XX/year>2023. 
XXXX XXXX XXXX  XX/XX/scrub>/2023, XXXX XXXX  XXXX/XXXX/2023 & XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This issue has been on going since I entered the military in XXXX. AMEX refuses to honor the SCRA on my account. I meet all the requirements and have been struggling to make payments on this card due to the extremely high interest rate of 36 %. I have tirelessly tried to resolve this matter myself with no end in sight. Ive sent in everything AMEX has requested and still have not gotten XXXX ounce of a resolution from This company. Every other company I called thanked me for my service, no questions asked and back dates all of my account. The one with the highest balance and longest professional relationship is the XXXX who will not honor this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
FERPA and/or PPR violations across three Federal loans with XXXX Dept . of Education. Education Law XXXX protects student personally identifiable information ( PII ) from unauthorized disclosure. Additionally, Education Law XXXX provides the student rights regarding the PII. I have not authorized any disclosure of my information and my account and PII has been compromised recently as my lender has changed several times without my notice as well as third party organizations accessing my information for efficiency audits without authorization. Loan XXXX was opened in XXXX, loan XXXX in XXXX and loan XXXX in XXXX totaling a current balance of {$53000.00}. I have reached out several times to the lender and individual credit bureaus without success.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Request to Remove Inaccurate Address from Credit Report. 

I have previously submitted a dispute through the FTC and provided a valid residential lease agreement as proof of my current residence at : XXXX XXXX XXXX XXXX XXXX, pa XXXX Despite this, I have received repeated responses that a government-issued ID is required. However, I must emphasize that the lease agreement is a valid legal document that proves current residency, and the Fair Credit Reporting Act ( FCRA ), under 15 U.S. Code 1681i, mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information if a consumer notifies them of inaccurate or incomplete data. 

I am again requesting that this outdated address be removed immediately from my credit report, as it is no longer accurate or relevant to my identity or credit file. Please consider the enclosed lease agreement as proof of my current address. Denying this request based on the lack of a photo ID is unreasonable and not in compliance with the FCRA, which does not stipulate a specific form of proof, but rather requires a reinvestigation based on all relevant information provided by the consumer. 

Furthermore, I want to clarify that I am not disputing the addition of my new address which is correctly reflected in my file but rather requesting the removal of outdated and no longer valid addresses that should not be associated with my current credit profile. Maintaining multiple addresses, especially ones I have not resided at in years, is not only misleading but also exposes me to potential fraud or misidentification, which can negatively impact my creditworthiness. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), Experian is required to maintain accurate and up-to-date information, and retaining obsolete addresses violates this obligation. Since you have verified my current address, there is no justifiable reason to retain the previous addresses, particularly when I've provided documentation.

According to my rights under the Fair Credit Reporting Act, I formally request the removal of the following outdated addresses from my credit file. Maintaining old, inaccurate, or unverifiable addresses violates FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Further, under FCRA 1681i ( a ), you are required to conduct a reinvestigation of disputed information and delete anything that can not be verified.

The presence of these old addresses poses a risk of identity confusion or fraud and is not relevant to my current financial profile. Please treat this as a formal dispute and reinvestigation request and confirm removal in writing.

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