vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to refinance the truck through my bank. 
I sent fifth third a payoff check in XXXX, after a few tries a a second check they finally processed my payoff and the check was cleared through the treasury dept ( 5/3 and XXXX XXXX  see this ). The check was applied to my loan, I recieved a refund for the overpayment XXXX and the title was sent to XXXX XXXX. Somehow the funds were removed and a check from fifth third was sent to XXXX XXXX  ( check XXXX ) but was denied because there was no reason for XXXX XXXX  to cash this check since it should have been applied to my account. I get told XXXX XXXX XXXX  come try to repossess my truck when they have 0 legal right to it. Now my credit has dropped over XXXX points and I have stayed in constant communication and tried to resolve this several times doing what they ask of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 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:
inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Please answer the following questions for this account that is reporting to my credit reports Date Opened : Date Closed : Date account sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance :

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 2025-05-08 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: CA

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 non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Im reaching out because theres an item on my credit report that is simply not accurate and does not meet the standards required under the Fair Credit Reporting Act. As you know, the FCRA mandates that all information reported must be complete, fair, and most importantly 100 % accurate. This item fails that standard.

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 2025-05-08 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts and hard inquiries listed on my TransUnion credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of the following entries : Disputed Accounts : XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Disputed Hard Inquiries : XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX Please verify these accounts and inquiries with the original furnishers. If any items can not be fully validated, they should be deleted from my report immediately as required by 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Re : Dispute of Inaccurate Rental Collection Account To Whom It May Concern : I am writing to dispute an inaccurate rental collection account listed on my credit reports. The disputed account refers to an alleged unpaid month 's rent from my previous residence at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. This account is incorrect and should be removed. 

My lease for this address was a fixed-term lease that ended on XX/XX/year>. I paid all rent due through XX/XX/year>, as confirmed by the attached lease and account statements. A recent screenshot shows a {$0.00} balance as of XX/XX/year>, reflecting that I had paid all charges through that date. I vacated the apartment on XX/XX/year>, fulfilling all obligations under the lease. The collection claim appears to be for an extra months rent ( due to no 30-day written notice ), but this claim is baseless under North Carolina law .

Under North Carolina law, a tenant with a fixed-term lease that ends on the specified date is not required to provide any notice to terminate XXXX XXXXXXXX 

. In other words, my lease simply expired as scheduled. Moreover, even if my tenancy became month-to-month by virtue of my paying the XXXX rent, N.C. Gen. Stat. 42-14 provides that only a 7-day notice is required to end a month-to-month tenancy ncleg.net, not a 30-day notice. A year-to-year tenancy similarly requires only one months notice. The collection agencys demand for an entire months rent for lack of a 30-day notice is inconsistent with these legal standards. 

In light of the above, I request that you investigate this matter and delete the inaccurate collection entry from my credit report. If you are unable to verify the validity of this debt, it must be removed in accordance with the Fair Credit Reporting Act. Please also mark this account as in dispute while your investigation is pending.

Enclosed are copies of the lease agreement and a statement showing a {$0.00} balance as of XX/XX/year>. These documents support my position that I paid all rent owed and that no additional months rent is due. 

Thank you for your prompt attention to this dispute. I look forward to your written confirmation that the erroneous collection account has been removed from my credit files. 

Sincerely, XXXX XXXX Enclosures : Lease Agreement; Rent Account Statement ( showing {$0.00} balance as of XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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:
The payment history and balance of the accounts of XXXX  is inaccurate. I have contacted the company directly and they have agreed that the statement is true. They did report inaccurate information about balances and payments on my credit 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 2025-05-08 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: NC

Complaint narrative:
Re : Dispute of Inaccurate Rental Collection Account To Whom It May Concern : I am writing to dispute an inaccurate rental collection account listed on my credit reports. The disputed account refers to an alleged unpaid month 's rent from my previous residence at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. This account is incorrect and should be removed. 

My lease for this address was a fixed-term lease that ended on XX/XX/year>. I paid all rent due through XX/XX/year>, as confirmed by the attached lease and account statements. A recent screenshot shows a {$0.00} balance as of XX/XX/year>, reflecting that I had paid all charges through that date. I vacated the apartment on XX/XX/year>, fulfilling all obligations under the lease. The collection claim appears to be for an extra months rent ( due to no 30-day written notice ), but this claim is baseless under North Carolina law .

Under North Carolina law, a tenant with a fixed-term lease that ends on the specified date is not required to provide any notice to terminate XXXX XXXXXXXX 

. In other words, my lease simply expired as scheduled. Moreover, even if my tenancy became month-to-month by virtue of my paying the XXXX rent, N.C. Gen. Stat. 42-14 provides that only a 7-day notice is required to end a month-to-month tenancy ncleg.net, not a 30-day notice. A year-to-year tenancy similarly requires only one months notice. The collection agencys demand for an entire months rent for lack of a 30-day notice is inconsistent with these legal standards. 

In light of the above, I request that you investigate this matter and delete the inaccurate collection entry from my credit report. If you are unable to verify the validity of this debt, it must be removed in accordance with the Fair Credit Reporting Act. Please also mark this account as in dispute while your investigation is pending.

Enclosed are copies of the lease agreement and a statement showing a {$0.00} balance as of XX/XX/year>. These documents support my position that I paid all rent owed and that no additional months rent is due. 

Thank you for your prompt attention to this dispute. I look forward to your written confirmation that the erroneous collection account has been removed from my credit files. 

Sincerely, XXXX XXXX Enclosures : Lease Agreement; Rent Account Statement ( showing {$0.00} balance as of XX/XX/year> )

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 2025-05-08 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: NC

Complaint narrative:
Re : Dispute of Inaccurate Rental Collection Account To Whom It May Concern : I am writing to dispute an inaccurate rental collection account listed on my credit reports. The disputed account refers to an alleged unpaid month 's rent from my previous residence at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. This account is incorrect and should be removed. 

My lease for this address was a fixed-term lease that ended on XX/XX/year>. I paid all rent due through XX/XX/year>, as confirmed by the attached lease and account statements. A recent screenshot shows a {$0.00} balance as of XX/XX/year>, reflecting that I had paid all charges through that date. I vacated the apartment on XX/XX/year>, fulfilling all obligations under the lease. The collection claim appears to be for an extra months rent ( due to no 30-day written notice ), but this claim is baseless under North Carolina law .

Under North Carolina law, a tenant with a fixed-term lease that ends on the specified date is not required to provide any notice to terminate XXXX XXXXXXXX 

. In other words, my lease simply expired as scheduled. Moreover, even if my tenancy became month-to-month by virtue of my paying the XXXX rent, N.C. Gen. Stat. 42-14 provides that only a 7-day notice is required to end a month-to-month tenancy ncleg.net, not a 30-day notice. A year-to-year tenancy similarly requires only one months notice. The collection agencys demand for an entire months rent for lack of a 30-day notice is inconsistent with these legal standards. 

In light of the above, I request that you investigate this matter and delete the inaccurate collection entry from my credit report. If you are unable to verify the validity of this debt, it must be removed in accordance with the Fair Credit Reporting Act. Please also mark this account as in dispute while your investigation is pending.

Enclosed are copies of the lease agreement and a statement showing a {$0.00} balance as of XX/XX/year>. These documents support my position that I paid all rent owed and that no additional months rent is due. 

Thank you for your prompt attention to this dispute. I look forward to your written confirmation that the erroneous collection account has been removed from my credit files. 

Sincerely, XXXX XXXX Enclosures : Lease Agreement; Rent Account Statement ( showing {$0.00} balance as of XX/XX/year> )

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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: PR

Complaint narrative:
I had a loan in XXXX that I paid in full of the tax money in 2005. But it still appeard in default. And every time I call, they said it will take like 3 months to eliminated from the fasfa form and it is still there. Every year that I need to study I have to request a letter and now that I tried to exit the fasfa with the loan simulator re payment it said there is and error.

Company response to consumer: Untimely response