vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently filed a XXXX XXXX against my property for a garage XXXX unit personal loan. I never authorized my home to be used as collateral, never signed any document granting XXXX rights, and was never notified by mail. There was no court order or legal proceeding authorizing this XXXX. Filing a lien without consent violates Texas and federal law and constitutes fraud. 

Violations Alleged : Texas XXXX XXXX XXXX XXXX XXXX : No authenticated security agreement or wet signature. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Misrepresentation of debt. 
Texas XXXX XXXX XXXX : False statement to obtain property or credit. 
XXXX Article XXXX : Requires valid security agreement for XXXX. 
FDCPA ( 15 U.S.C. 1692e ) : False representation of legal status of debt.

TILA ( 15 U.S.C. 1638 ) : Misrepresentation of loan terms. 
XXXX XXXX ( XXXX XXXX. XXXX, XXXX ) : Fraudulent XXXX filings and electronic requests. 

XXXX XXXX XXXX XXXX illegally filed a XXXX XXXX on my property for a personal loan without my permission, without a wet signature, and without any court order or notice. These were unsecured loans, yet they misrepresented them as secured, violating XXXX XXXX ( XXXX, XXXX ) and federal laws ( FDCPA, TILA, UCC Article 9 ). This fraudulent XXXX must be removed immediately, and XXXX XXXX must confirm they have no interest in my property.

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 2025-12-22 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS

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 2025-12-22 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: WV

Complaint narrative:
EQUIFAX : 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 ALL THOSE INQUIRIES I DONT RECOGNIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I no longer have possession of the vehicle associated with this account. Any continued reporting of monthly delinquency or collection activity without full verification of repossession, sale, and deficiency balance constitutes unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i was looking at my credit report noticed a bunch of fraudulent inquires that i never did nor did i give my consent for any of the companies to run my credit here are tbe fraudulent inquires on my report below XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These hard inquiries were not made without my authorization and therefore violates 15 U.S.C. 1681b, as there was no permissible purpose.

Because the inquiries is the result of fraud and/or identity theft, it also violates 15 U.S.C. 1681e ( b ) and must be removed, not corrected.

Continued reporting without proof of consumer authorization violates 15 U.S.C. 1681s-2 and 12 CFR 1006.34.

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 2025-12-22 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Someone open Milestone, indigo Credit card and XXXX its not minds its being reported to all three credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 filing this complaint against [ Bureau Name, e.g., Experian ] for failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ).

> Chronology of Violation : * On XX/XX/2025, I sent a second formal dispute and validation demand to XXXX XXXX XXXX XXXX XXXX ( the furnisher ) via Certified Mail XXXXXXXX XXXX  Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, a collector MUST cease all collection activityincluding reporting to credit bureausuntil verification is provided. 
* Despite my timely dispute, XXXX XXXX XXXX reported this unverified account to your agency on XX/XX/2025. 
* Furthermore, the item is not marked as " Disputed, '' which is a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ).

This is a clear case of " debt parking '' and coercive reporting. Since the furnisher ignored a legal stay on collection to place this on my report, the information is inherently unreliable and unverified. I demand the immediate removal of this tradeline.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

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 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Auto Loan Account Number : XXXX Vehicle : XXXX XXXX XXXX This letter serves as a formal cease and desist notice and demand for removal regarding the above-referenced auto loan currently being reported on my credit file. 

I dispute the accuracy, completeness, and/or legal validity of this auto loan as reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, you are required to report only information that is accurate, verifiable, and legally enforceable.

To date, you have failed to provide sufficient verification that : I am legally obligated for this auto loan, The reported balance, payment history, or status is accurate, and The reporting complies with federal law. 

Accordingly, I hereby demand that you : 1. Cease reporting this auto loan to all consumer reporting agencies immediately, and 2. Remove this account from XXXX XXXX XXXX, and any other reporting agency to which it has been furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency XXXX XXXX XXXX Account # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
The problem started this year XX/XX/XXXX. PHH Mortgage Services started calling me about a modification that I started and decided not to continue I believe in XXXX. I didn't go through with it and paid the unpaid balance at that time to bring my mortgage current. In XX/XX/XXXX they started calling me about a modification again. I told them I canceled that modification over a year ago. They insisted that I go through with the modification. I again told them no. 
PHH Mortgage Services then started sending me notices that I had not paid my mortgage in 3 years. I called them upset and told them they were trying to steal from me. Now they are currently claiming I haven't paid my mortgage since XXXX of XXXX. That is an intentional lie because I sent my banking statement of my payment to VA showing I've paid my mortgage since XXXX of XXXX. 
The only reason I am late for XXXX and XX/XX/XXXX is because PHH Mortgage Services is intentionally blocking me from paying my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Some inquiries in my credit report that i didnt recognized. 
* TransUnion : XXXXXXXX XXXX ( finance ) ( XX/XX/XXXX ) -XXXX XXXX ( Bank ) ( XX/XX/XXXX ) * EQUIFAX : XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ) -XXXXXXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and Experian has no collection form XXXX XXXX XXXX and asking to pay a balance that I was not apart of the accountXXXX XXXX confirm that I need to reach to Experian and can't reach out to anyone to assist me.

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 2025-12-22 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am writing to formally dispute XXXX or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately. Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I visited the XXXX XXXX, where I was repeatedly approached by a sales representative who pressured me to enroll in a timeshare program. I experienced significant distress due to the incessant solicitations while I was on vacation. Furthermore, the information provided to me was misleading, as it contained hidden terms that only became apparent after I was inadvertently entangled in a contract. 

I have made numerous attempts to extricate myself from this timeshare agreement ; however, all efforts have been unsuccessful. So, I have decided to pursue legal action with an attorney, and XXXX is now proposing a {$9000.00} settlement that I am unable to afford while trying to secure a place to live. I find myself unable to accept this settlement due to the circumstances under which I was misled into acquiring this timeshare. 

I am currently purchasing my first home, but the bank will deny my loan application because XXXX reported the timeshare as a mortgage obligation. Despite my requests for XXXX to amend this reporting, they have not taken any action. This situation has significantly impacted my life, as I work long and strenuous hours as a nurse and find myself without a stable living arrangement ; I am currently residing in a relative 's basement. 

This living situation is untenable, especially after many years of hard work, sacrifice, and dedication to my profession. I would appreciate some help resolving this matter, as securing a home is very important to me. XXXX should not be listing this obligation as a mortgage, and I did not consent to such terms under duress. I appreciate any help you can give me with this pressing matter. ( The timeshare account # is 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