vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account : # XXXX  2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-28 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: CA

Complaint narrative:
I am filing a formal complaint and dispute regarding multiple inaccurate and unverified accounts reported by Experian. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I demand immediate investigation and appropriate action. Below is a detailed list of the accounts in question : 1. XXXX XXXX {$13000.00} Charge-Off Violation : FCRA 15 U.S. Code 1681i failure to maintain accurate and complete information.

Request : Provide a valid 1099-C for cancellation of debt or delete the account. 

2. XXXX XXXX {$3100.00} Charge-Off Violation : FCRA 15 U.S. Code 1681s-2 continued reporting of inaccurate information after dispute.

Request : Provide a valid 1099-C or delete immediately. 

3. XXXX XXXX XXXX XXXX {$5300.00} Charge-Off Violation : FCRA 15 U.S. Code 1681e ( b ) reporting outdated, inaccurate, or unverifiable data.

Request : Provide a 1099-C or remove the account. 

4. XXXX XXXX {$330.00} Charge-Off Violation : FCRA 15 U.S. Code 1681b lack of permissible purpose and inaccurate reporting.

Request : Produce 1099-C or delete the tradeline. 

5. XXXX XXXX XXXX {$290.00} Charge-Off Violation : FCRA 15 U.S. Code 1681i failure to verify item after prior dispute.

Request : Provide 1099-C or delete. 

6. XXXX XXXX {$810.00} Written-Off ( Paid, Closed ) Violation : FCRA 15 U.S. Code 1681c obsolete account reporting beyond necessary retention.

Request : Explain basis for written off reporting or delete. 

7. XXXX XXXX ( Open Account ) 25 Late Payments Violation : FCRA 1681e ( b ) inaccurate, excessive negative data reporting. 
Request : Correct payment history or remove derogatory marks. 

8. XXXX XXXX XXXX {$600.00} Collection Violation : FDCPA 807 ( 8 ) & FCRA 1681i misleading, unverifiable collection activity.

Request : Remove the collection or show full verification and chain of custody from original creditor.

9. XXXX XXXX XXXX  {$280.00} Collection Violation : FCRA 1681i lack of verification from original creditor ( XXXX ).

Request : Delete the account or provide signed contract and itemization of debt.

These accounts are causing undue harm to my credit profile in violation of federal law. If a 1099-C form has been filed for any charge-off, it constitutes debt forgiveness, which must not be reported as collectible. If not, the data furnishers must cease reporting until validated.

Please investigate and enforce my rights under FCRA and FDCPA. I demand correction or removal of these entries.

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 2025-05-28 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:
I received my annual credit report and the following items are being reported but they are not my accounts. I was in an active XXXX XXXX XXXX in 2021 and would not have applied for credit during that process. 
Accounts listed are reported by XXXX XXXX XXXX for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again these accounts were not opened by me and I have not received any benefits from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding a debit card transaction involving a merchant listed as XXXX XXXX, where I was charged {$5500.00} for a product or service that was never provided.

I initially filed a dispute with Navy Federal Credit Union in XXXX 2024. Shockingly, the claim was closed the same day it was opened, without a proper investigation or any communication regarding the outcome.

After that, I requested an appeal and followed up repeatedly over a period of more than 60 days. During this time, XXXX XXXX failed to provide any documentation or updates about the case, which I am entitled to under federal law ( Regulation E ).

It wasnt until I explicitly requested documentation and cited my rights under Regulation E that XXXX XXXX  suddenly reopened the case and initiated a chargeback. This strongly suggests that the bank had skipped essential steps and was not honest or transparent in how the claim was initially handled.

I want to emphasize that {$5500.00} is not a small amount, and the way this case has been handled has left me feeling ignored and mistreated. I believe XXXX XXXX has ignored its legal obligations, failed to follow the proper dispute resolution process, and deliberately avoided issuing a provisional credit, which I am entitled to under Regulation E if the investigation could not be completed within 10 business days.

I have been a loyal customer of XXXX XXXX for years, but this process has raised serious concerns about fairness and accountability. I am not asking for anything unreasonable only to be treated fairly and in accordance with federal law.

I respectfully request CFPB 's support in : Ensuring this claim is properly and fairly reviewed Determining why no provisional credit has been issued Holding XXXX XXXX accountable for mishandling the dispute process and delaying resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMMERCE BANK
State: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and incomplete reporting by a credit union concerning an auto loan account appearing on my credit report. 
XXXX XXXX XXXX Key Issues : 1. Improper Profit/Loss Reporting : The credit union has reported a profit/loss or charge-off on my credit report related to this auto loan.

However, they have not issued a Form 1099-C to me for the cancelled debt as required by IRS regulations .

If they claimed the charged-off amount as a loss for tax deduction purposes, then they are legally required to report the forgiven debt as income to me via a 1099-C.

2. Vehicle Never Registered with DMV : The vehicle associated with this loan was never registered with the DMV in my name or otherwise.

If the title was never transferred or the car was never legally registered, this raises serious questions about the validity of the debt and whether I ever had full legal ownership of the vehicle.

3. Impact on Credit : As a result of the profit/loss status, my credit report now shows a derogatory account, affecting my score and ability to secure credit.

The reporting is potentially fraudulent or negligent, and I am requesting an urgent investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate accounts being reported on my Equifax credit report. My personal information was exposed in a known data breach, and I am concerned that some of the accounts below may have been misreported, altered, or mishandled due to compromised data. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( a ), Equifax is required to ensure maximum possible accuracy of information and remove unverifiable or erroneous items. 

I am requesting the investigation and permanent deletion or correction of the following accounts, which are inaccurately reported or contain misleading remarks : XXXX - XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | Closed : XX/XX/XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX | Closed : XX/XX/XXXX XXXX/XXXX  Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX  ( Charge Account ) Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX XXXX  XXXX  Opened XXXX XX/XX/XXXX | Closed : XX/XX/XXXX These remarks do not reflect my payment history, some accounts were never delinquent, and several carry misleading bankruptcy-related notes that can not be validated. I have not authorized Equifax to report these derogatory items, and I am exercising my right under XXXX and FCRA to request : Full reinvestigation of each account Removal of Included in Bankruptcy, Consumer disputes, or other derogatory remarks that can not be verified A corrected copy of my credit report upon resolution. 

I have attached a copy of my government-issued ID, proof of address, Please respond within XXXX  days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX OF Date : XXXX/24 XXXX Date : XXXX/24 XXXX XXXX  Date : XXXX24 XXXX XXXX XXXX Date : XXXX/24 XXXX Date : XXXX/24XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and am disputing an account that was fraudulently opened under my name without my authorization. The account was reported by XXXX XXXX for a balance of {$1200.00} tied to XXXX XXXX ( XXXX ), opened on or around XX/XX/XXXX. 

I have never had an account with XXXX, never lived at the address associated with this utility account, and did not open or authorize this account. I filed a police report with the XXXX Police Department on XX/XX/XXXX, confirming the identity theft. I also contacted the FTC and placed a fraud alert on my credit file. 

I requested full validation of the debt from XXXX XXXX, including a signed contract, utility application, and proof of residency. They did not provide any documentation linking me to the account. 

This collection is now being falsely reported on my Experian credit report and is damaging my credit profile. I am requesting that the CFPB take corrective action to have this account removed under the Fair Credit Reporting Act ( FCRA ) 605B and to prevent further unlawful reporting of fraudulent debt.

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 2025-05-28 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LEXISNEXIS
State: AZ

Complaint narrative:
My rights have been violated, and as a consumer, I have a fundamental right to privacy. LexisNexis accessed the PACER system to obtain this information without my consent, and I never authorized them to report it on my credit report. The bankruptcy court itself does not report or provide this data to consumer reporting agencies, as established under 11 U.S.C. 107 and XXXX XXXX of XXXX  Procedure 5003 and 9037. The bankruptcy court is not involved in reporting information to credit agencies, nor is it responsible for verifying or validating data in consumers ' credit reports. While LexisNexis claims to have verified this information ( see file uploaded by LexisNexis ), it is important to note that, as stated, the bankruptcy court neither reports nor verifies such details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX  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 XXXX XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX 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 2025-05-28 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PRG Ventures, Inc
State: ME

Complaint narrative:
I received a cash advance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is advertised and structured as a non-recourse advance. Their XXXX XXXX XXXX states that they have no legal or contractual claim for repayment, will not engage in debt collection, and will not report nonpayment to credit bureaus. 

On XX/XX/2025, I attempted to revoke ACH and debit card authorization under Regulation E ( 12 CFR 205.10 ). Their agreement lists XXXX as the valid method for doing so, but that inbox is non-functional. I then submitted the revocation via in-app chat, clearly citing Regulation E and requesting confirmation that all debit authorizations had been revoked and no further withdrawals would be made. 

Instead of honoring the request, the company responded that I needed to have a valid payment method on file to revoke authorizationthis directly contradicts Regulation E, which gives consumers the right to revoke at any time and without conditions. When I challenged this and restated my legal rights, they eventually said they would submit the request but included a vague statement that they reserve all rights under contract and applicable law, despite their own agreement stating they waive legal claims. 

I requested confirmation that my account had been unlinked from all payment methods and that no further debits would occur. They did not provide that confirmation. 

This company is misrepresenting consumers revocation rights, making it difficult to revoke authorization, and providing false legal conditions in violation of federal EFT law. I am requesting that the CFPB investigate this practice and require the company to comply with Regulation E in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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