vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I have an affirm loan taken out under my social security in XXXX  that was not me. I recently went to take a loan for a car and saw that it was under my credit file. I have filed a police report for identity theft. The incident number is XXXX. The XXXX is XXXX and the badge number is XXXX. The contact phone number for the police XXXX is XXXX. 

The user used a fake email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to notify you that I am the victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, 15 U.S.C. 1681c2. One or more collection accounts listed on my credit report are the result of fraudulent activity and do not belong to me.

Disputed Collection Account ( s ) : Creditor/Collection Agency Name : LVNV Funding Account Number ( if known ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$530.00} Date XXXX Enclosed Documents ( Required under 605B ) : IDENTITY THEFT Identity Theft Report ( FTC report or police report ) Government-issued ID ( e.g., drivers license or passport )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
NELNET told me that they would remove this fraudulent account. They also told me that they would send me a fraud packet. I called them on several occasions to inform them that fraud was committed. Not to mention I received a fake XXXX fake credit reports the information was change on the XXXX  had no social security number my old job from years ago was reported as XXXX  employed I am volunteering with XXXX XXXX and XXXX people and XXXX in my XXXX. Next theirs XXXX names on the report. And the document has many colors. And the report show XXXX loans by NELNET and it includes XXXX defined for permanently XXXX. Now the XXXX is also in colored and it on shows XXXX loans no school for that matter none of my schools. Or other loans. No credits cards I had nothing. When requested for an updated report mind you I already now what's on my report and how it looks and they both were not real. All my information was tampered with. I'm asking them to please remove their server off my account. They are not suppose to be on my account. NELNETtold me they removed it and they even agree to do a fraud packet which I never received. When I spoke to fast they told me my loan was consolidated but on the fake credit report it srates that i paid installment ( paid in full ). Now i never paid installment almt all.This was never on my account when I applied for XXXX that's when this mess begin. This college was closed due to a scam.. please do not allow someone to block my opportunity to change my life for the better. Please help vindicate me and my case thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
XX/XX/year>, I called and complained with XXXX XXXX that they were not reporting accurately what my balance was on my account or that I'd made payments. They said they did, but had not. I submitted a complaint with CFPB and they updated their system on XX/XX/year>. 
I noticed today the account I still have open with XXXX XXXX/Comenity Bank is still active and has available credit to use, is not on my credit report anymore.

I called them and they stated that since I have a {$0.00} balance and haven't used the account they wont be reporting. 
I went back to XXXX and XX/XX/year> credit reports and they were on there for XX/XX/year>, but as of XX/XX/year> they took themselves off. 
I was upset and asked why they did that, they said they didn't take my account off. But I know they did. 
They're my oldest account for a credit card and it has affected my credit score age that they're not reporting accurately and my account has never been requested as closed but I find it extremely frustrating that they refuse to report my account to the XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-06-18 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite previously disputing this account, your response that the account was updated resulted in no actual correction or resolution. This constitutes a failure to perform a reasonable investigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/XXXX {$1000.00} I asked for them to verify the accuracies of this account and it came back verifed. As I look at my credit report, I see multiple errors from Date Major Delinquency XXXX Reported XX/XX/XXXX which is incorrect. How can the date opened XX/XX/XXXX be after the Date of XXXX Delinquency : XX/XX/XXXX. U.S.C 1681 i Reinvestigation is required. 

U.S.C 1681 ( XXXX ) ( B ) ( iii ) a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, was not given. 

I would like the assignment of debt! 
I would like to see the bill of sale! 
I would like to see the chain of custody agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 ( XXXX ) 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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: U.S. Auto Credit Corporation
State: KY

Complaint narrative:
I had a vehicle repossessed that resulted in my husbands wages being garnished. The garnishment stopped through my husband 's employer. I received a judgement for garnishment for the same loan today XX/XX/year>. My husbands last payment to them was in XXXX. They lawyer for the loan company auto credit stated that the beginning amount for the amount due was a little over XXXX my husband has paid XXXX of this. Lawyer stated we still owe XXXX we have proof of what we have paid. The lawyer is XXXXXXXX XXXX  XXXX  in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-18 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: TX

Complaint narrative:
This is a formal demand for immediate correction. The inaccuracies on my credit report violate the legal standard of maximum possible accuracy and are causing ongoing personal and financial harm. I demand a prompt, thorough re-investigation. Any unverifiable information must be corrected or permanently removed without delay.

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 2025-06-18 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: NC

Complaint narrative:
In XX/XX/XXXX my account was charged over and over from XXXX until XXXX with a total amount of {$200.00} from XXXX XXXX XXXX XXXX I started a dispute on XX/XX/XXXX and today on XX/XX/XXXX my dispute was denied. I havent bought or used XXXX XXXX since XX/XX/year> ( see screenshots below ). This is the XXXX time I get hacked from Chime Bank. I want to report the lack of security they have for transactions. They didnt sent me a text message until my account was already charged XXXX times on XX/XX/XXXX. As soon they sent me that text ( see screenshots below ) I blocked my card and requested a new card since mine was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. 

As a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. 

Under XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. 

The following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. 

I am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions

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 2025-06-18 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: TX

Complaint narrative:
This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. 

As a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. 

Under XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. 

The following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. 

I am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions

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 2025-06-18 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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