vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: CL Holdings LLC
State: GA

Complaint narrative:
Please be advised, this is MY SECOND WRITTEN REQUEST. Yhe unverifierd items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify this information is mine and correct. In your investigation you stated these accounts were " verified '' .and REPORTED CORRECTLY? WHO VERIFIED THEM? You have not provided me with any documents with my signature on it required by the FCRA Section 609 ( a ) (! ) ( A ) and Section 611 ( a0 ( 1 ) ( A ).

Section 611 of the FCRA you are required to " promptly delete all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
In XXXX roughly the XXXX I got a notification from XXXX XXXX that my credit score went down over XXXX points. I logged on immediately to find XXXX XXXX XXXX was claiming that they did not receive @ least XXXX of my monthly payments. I immediately got on the phone with them and let them know for years I have had auto payments directly from my bank to them. Never missing a payment. I prided myself on my credit score. The representive told me that they applied my car payment to and excise tax bill that I never received instead of putting it towards my loan. After an extremely long phone conversation he reassured me he fixed the problem and I would receive the bill in the mail. I stated that I hope this will not effect my credit as they took it upon themselves to apply my payments elsewhere. He assured me it would not. I never received the bill in the mail and then receive another notification that a payment was not made. I was extremely upset and asked they listen to the recorded line. They even showed in their noted that I mentioned my credit. I called again and was transferred and given the run around through different departments. I insisted they document our entire conversation but it seemed they only documented what they thought necessary. I then got on the phone with equifax as well as reaching out to transunion .letting them know they have false information. some employees were willing to give me their ID # XXXX and others stated they had no such info. I could go on and on.My car payment is {$460.00} a month. I can show bank statements that these monies came out on time. Although I never received an excise tax bill that they stated they would send out twice and they did not. I decided to pay it off over the phone in full without even seeing a bill. Also because I moved to Florida now, for whatever reason my car payment went up {$4.00} this XXXX did not let me know as well. So I adjusted the bank payments. You can clearly see how many years I paid all my bills in full and never late. I even sent a formal later stating to remove from my credit report and have gotten nowhere. Please help me. My credit score means everything! Like I said they claim I was on a recorded line So all info is there as well. I want to clarify this is a complaint about the credit reports and especially XXXX XXXX XXXX. If they had applied my car payment to my monthly car payment rather then take it upon themselves to apply it elsewhere I would not have this problem. Pertaining to the credit reports they do not have all info on this and I had asked to remove it and it still has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
In XXXX roughly the XXXX I got a notification from XXXX XXXX that my credit score went down over XXXX points. I logged on immediately to find XXXX XXXX XXXX was claiming that they did not receive @ least XXXX of my monthly payments. I immediately got on the phone with them and let them know for years I have had auto payments directly from my bank to them. Never missing a payment. I prided myself on my credit score. The representive told me that they applied my car payment to and excise tax bill that I never received instead of putting it towards my loan. After an extremely long phone conversation he reassured me he fixed the problem and I would receive the bill in the mail. I stated that I hope this will not effect my credit as they took it upon themselves to apply my payments elsewhere. He assured me it would not. I never received the bill in the mail and then receive another notification that a payment was not made. I was extremely upset and asked they listen to the recorded line. They even showed in their noted that I mentioned my credit. I called again and was transferred and given the run around through different departments. I insisted they document our entire conversation but it seemed they only documented what they thought necessary. I then got on the phone with equifax as well as reaching out to transunion .letting them know they have false information. some employees were willing to give me their ID # XXXX and others stated they had no such info. I could go on and on.My car payment is {$460.00} a month. I can show bank statements that these monies came out on time. Although I never received an excise tax bill that they stated they would send out twice and they did not. I decided to pay it off over the phone in full without even seeing a bill. Also because I moved to Florida now, for whatever reason my car payment went up {$4.00} this XXXX  did not let me know as well. So I adjusted the bank payments. You can clearly see how many years I paid all my bills in full and never late. I even sent a formal later stating to remove from my credit report and have gotten nowhere. Please help me. My credit score means everything! Like I said they claim I was on a recorded line So all info is there as well. I want to clarify this is a complaint about the credit reports and especially XXXX XXXX XXXX If they had applied my car payment to my monthly car payment rather then take it upon themselves to apply it elsewhere I would not have this problem. Pertaining to the credit reports they do not have all info on this and I had asked to remove it and it still has not been done.

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 2025-06-29 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
have been the victim of identity theft. On XX/XX/year>, I discovered that an unauthorized account was opened using my personal information. I did not open this account, nor did I authorize anyone else to do so on my behalf. I am requesting that this account be immediately closed and that all associated fraudulent charges be removed. I have filed a report with the Federal Trade Commission and have enclosed a copy of my FTC Identity Theft 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to withdraw XXXX from a bank of America atm and it gave me XXXX the slot then closed you can hear the money shuffle and then the slot opens and XXXX dollars comes out the slot closes again and money shuffles and XXXX came out of slot then the screen said thank you for using bank of America I instantly called the number on the machine and they told me that I will need to call my babk XXXXand make a report for wich I did I also made a police report this happened a XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX there are XXXX different addresses for this site the easiest way to find it is XXXX XXXX in XXXX it only has one bank of America atm and it's a major stop for the XXXX  XXXX XXXX XXXX. I again tried to contact bank of America again foe wich they told me to contact my bank 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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
My purse with my phone and wallet that contained my debit cards was stolen. All my accounts were used and all funds gone. I reported as soon as I could and now 6 months later my account was closed and my fraud reports were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Self Financial Inc.
State: NH

Complaint narrative:
XXXX XXXX has not corrected the account information from the last dispute with cfpb and still can't get my info corrected and still never got the monthly payment adjusted to where it should of been before the charges I did not authorized so they closed my account and now I want it removed from my credit report immediately. They didn't like all the complaints I filed. I can't get this company to do anything to fix my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
I submitted a dispute to TransUnion concerning a high balance amount of XXXX listed from XXXX on XXXX account. Upon review from lender, this is erroneous. There has NEVER been such a high amount on this account. There was a request for a credit limit increase in XX/XX/XXXX and a payment to an attorney was made in the amount of XXXX on XX/XX/XXXX. There is no such high balance amount ever listed on this account. 
TransUnion lists my credit utilization at 14 % when it was actually 6 %. TransUnion lists my Credit accounts XXXX but it is XXXX In addition to XXXX ( now FICO ), TransUnion is monitoring my credit 2 or more times a month. This poses a conflict between creditors reporting of billing cycles and consumer credit balances. The latter appears to be the rule with both TransUnion and or XXXX causing numerous drops in my FICO score from XXXX to currently XXXX. For example, TransUnion lists the high balance amounts of XXXX  XXXX but the actual balance XX/XX/XXXX was {$4000.00} which received payments of {$800.00} and {$1000.00} after per month since XX/XX/XXXX thus XXXX amount would be erroneous as reported by creditor of statement balance. 
TransUnion reported a drop score due to credit balance of XXXX ( XXXX ) An inquiry to TransUnion stating the credit amounts for both accounts XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were both incorrect. TransUnion resolved only " one '' dispute by informing that the XXXX XXXX account was deleted and dropped the score further to XXXX. XXXXXXXX XXXX was never addressed ( XXXX ) and the account was just recently updated to this amount. TransUnion followed up with a drop ( XXXX ) due to " credit decrease '' of XXXX. 
In conclusion, TransUnion is utilizing my " credit balances '' vs my credit statements from creditors to determine my credit worthiness.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Santander because they are still reporting a car loan on my credit report that should not be there. I returned the car in XXXX, and the loan was sold in XXXX. Despite this, it is still negatively affecting my credit. Ive requested that they remove it, as it is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding XXXX derogatory accounts being reported to the credit bureaus under the name XXXX XXXX XXXX. The account numbers ( partially redacted for privacy ) are : Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts are negatively impacting my credit reports. I am unaware of the origin or details of these accounts. While I XXXX have a vague idea of where they stem from, I have never received complete documentation, signed agreements, or validation from the creditor when I attempted to reach out to resolve the matter directly. 
Despite my good faith efforts to obtain clarity and resolve the issue, XXXX XXXX XXXX has failed to provide any legally required verification or substantiation of the debts. As such, I am disputing these accounts and demanding their immediate removal under the following laws and rights : Violations and Legal Grounds for Deletion : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681iI have the right to dispute inaccurate or unverifiable information on my credit report. The furnisher ( XXXX XXXX XXXX ) and credit bureaus are legally obligated to investigate within 30 days and must delete or correct any unverifiable information.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A data furnisher may not report information to credit bureaus if they know or have reasonable cause to believe the information is inaccurate.

FCRA, 15 U.S.C. 1681s-2 ( b ) Upon notice of a dispute, the furnisher is required to conduct a reasonable investigation, review all relevant information, and report the results back to the consumer reporting agency. If the information can not be verified, it must be deleted. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( if a third-party collector is involved ) If these are collection accounts, I demand full debt validation, including : The amount owed The name of the original creditor A copy of the original agreement bearing my signature Dates of origination and delinquencyFailure to provide this information in writing is a violation of federal law. 

My Demands : 1. Immediate removal of both XXXX XXXX XXXX accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from all credit bureaus ( XXXX XXXX XXXX XXXX ) unless full, documented verification is provided. 
2. A written explanation from the creditor and/or bureaus detailing how the debts were verified and validated.

3. If these accounts are not deleted, I will have no choice but to pursue further action by : Filing complaints with the FTC, State Attorney General, and BBB Seeking legal remedies for damages under FCRA and FDCPA These accounts are hindering my financial progress, and I have exhausted every effort on my own to rectify the matter. 
Thank you for your attention to this urgent complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
Please be advised that the Internal Revenue Service has formally acknowledged, via IRS XXXX XXXX dated XX/XX/year>, the revocation of any and all powers of attorney, third-party authorizations, or agency XXXX XXXX, implied, or presumedthat XXXX have previously permitted TransUnion, Equifax and Experian to access, report, collect, or transmit any 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 2025-06-29 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: SC

Complaint narrative:
Please be advised that the Internal Revenue Service has formally acknowledged, via IRS XXXX XXXX dated XX/XX/year>, the revocation of any and all powers of attorney, third-party authorizations, or agency XXXX XXXX, implied, or presumedthat XXXX have previously permitted TransUnion, Equifax and Experian to access, report, collect, or transmit any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. Unauthorized disclosures to third parties.

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 2025-06-29 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: TX

Complaint narrative:
I pulled my credit reports from Experian, Equifax, and TransUnion and identified multiple unauthorized hard inquiries that I did not initiate or authorize. These inquiries were not made by me and indicate potential identity theft. 

Per the Fair Credit Reporting Act, 15 U.S.C. 1681c2, I am formally requesting that these inquiries be blocked and permanently removed from my credit file. I have filed an FTC Identity Theft Report and submitted written disputes to each bureau. Below are the inquiries I am disputing : Experian Inquiries ( Unauthorized ) : 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 XXXXXX/XX/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 2025-06-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To Whom It May Concern, Subject : Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 I am writing to formally dispute and request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit file that were the result of identity theft, as provided for under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My personal information was compromised during the XXXX data breach, which exposed sensitive identifying information and resulted in unauthorized accounts being opened in my name.

In compliance with FCRA requirements, I am including the following documentation : A copy of my FTC Identity Theft Report A clear copy of my government-issued photo ID A copy of my Social Security card A utility bill as proof of current address I am disputing and demanding removal of the following fraudulent accounts : XXXX XXXX opened XX/XX/XXXX {$1300.00} Acct # XXXX XXXX opened XX/XX/XXXX {$46000.00} Acct # XXXXXXXX XXXX XXXX  opened XX/XX/XXXX {$3600.00} Acct # XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX {$580.00} Acct # XXXX XXXX XXXX opened XX/XX/XXXX {$3000.00} Acct # XXXX XXXX XXXX opened XX/XX/XXXX {$580.00} Acct # XXXXXXXX XXXX opened XX/XX/XXXX {$44000.00} Acct # XXXX XXXX opened XX/XX/XXXX {$310.00} Acct # XXXX Also remove : Last Name : XXXX This is not my legal last name Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with this address Fraudulent inquiries to be deleted : 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 Under 15 U.S.C . 1681c-2, I am demanding that you block and delete all information related to fraudulent accounts and inquiries resulting from identity theft within four ( 4 ) business days of receipt of this request.

Please send written confirmation that the fraudulent information has been removed. I expect this to be completed within the timeframe mandated by federal law.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am writing to formally dispute a collection account listed on my credit report. This account is being reported inaccurately and does not reflect a debt that I acknowledge or recognize as valid.

Company response to consumer: Closed with explanation