vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Subject : Ref : XXXX Request to restore PenFed credit line and remove systemic lock ( XXXX veteran account ) To : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX a XXXXXXXX XXXX and long-standing PenFed member. I was issued a credit card line, but PenFed has permanently capped it at {$500.00} and locked me out of any credit line increases, despite responsible usage. 

Although I had a single XXXX late on this account in the past, that occurred immediately after I was struck by a car while riding my bike an accident that left me permanently XXXX with severe XXXX XXXX XXXX ( TBI ) and compounding concussion effects. At the time, I was under documented medical care at XXXX XXXX XXXX and prescribed more than a dozen medications, including morphine. This was a documented medical crisis, not financial irresponsibility. Since that time, I have managed my credit responsibly despite living with XXXX. 

Over the past few months I have spent hours and hours trying to correct this issue. I have contacted PenFed repeatedly and even wrote directly to the president of the XXXX XXXX. Despite these efforts, the systemic lock remains in place and no resolution has been offered. 

When questioned, I was not given a proper adverse action notice as required under XXXX. Instead, I was told that internal system restrictions prevented increases. This lock has been in place for years with no path to restoration. 

Why this is harmful : It penalizes me for a single XXXX late caused directly by a documented disabling accident and medical crisis treated at XXXX XXXX XXXX XXXX 
Continuing to hold that against me years later, despite responsible management since, is disproportionate and unfair. 
It raises XXXX concerns when a XXXXXXXX XXXX  is permanently locked out of fair access to credit due to a medical event beyond their control. 
It contradicts PenFeds mission of serving veterans and military families.

Over the past few months I have spent countless hours attempting to resolve this, including writing directly to the president of PenFed, but the issue remains unaddressed. 
This is not just about me. I want this fixed for all service members with blast concussion injuries or severe XXXX, who deserve fair access and not lifelong penalties for documented medical events. 
It reflects unfair underwriting criteria. PenFed and similar institutions have referenced lack of real estate history as a top reason for declines. That is an unreasonable standard that discriminates against veterans, renters, and small business owners. Even XXXX has flagged this factor as inappropriate.

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 2025-09-30 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
This company put a medical bill on my credit. And I have XXXX different types of insurance in Florida for my XXXX. And also I am still recovering from my XXXX XXXX XXXX last year. And they also put if on my credit which I know they can't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Company proceeded to Court / Wage Garnishment without trying to work out balance. I was more than willing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Title max / TMX collect my vehicle for failure to pay. I tried to get cash in time to pay off the loan before the sale of vehicle like discussed within the agreement made through my complaint through CFPB .However I was unable to collect discussed cash in time. Now several months later I inquire about the sale of the vehicle and was told only that I owed no money, but in turn am not receiving any monies that were collect from a sale of said vehicle for above the amount that I owed. They could not tell provide me with anymore info than that. They told me at this time they had no further info. Now my issues is that by law any overages minus the amount I owed them goes to me. I would like proof of sale with amount collected. If their is any excess funds after subtracting what I owe, I would like that money returned. I am wanting to get this squared away asap. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I recently sent a complaint in reference to an account on XX/XX/XXXX of XXXX. All the information is inaccurate. It clearly states that it belongs to a person with a social of XXXX thats not my social. It does not belong to me if you look at XXXX you will see Midland Creditt a total of XXXX and XXXX it is imperative that this is removed off of my credit as I have stated it does not belong to me. The socials do not match. I was told if my social is not the ending of what was put on that response to give a call I did that and now Im sending another complaint. Please remove this fictitious things from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I recently made an additional payment toward my auto loan with the clear instruction that the full amount be applied directly to the principal balance. Over the past three weeks, I have contacted Hyundai XXXX XXXX customer service multiple times and spoken with various representatives, including front-line agents, supervisors, and members of the escalation team. 

The escalation team opened a case and provided me with a case number, stating it would take five business days for someone to be assigned. After a week with no response, I followed up and was told the original case had been deleted. A second case was then created, but I have yet to receive any update or resolution. 

Throughout this process, both customer service and supervisors have confirmed that they sent multiple emails to the payment processing team requesting that the payment be properly allocated to the principal. However, the correction has still not been made.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer MIDLAND CREDIT MANAGEMENT , INC . 
Re : Cease and Desist Demand Account # [ Insert Account Number ] Reported Date : XX/XX/XXXX Amount : {$1200.00} reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law.

Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law.

You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
As of XXXX XXXX a collection account was added to my credit report from a company called Nationwide Capital S. I have never been contacted by this company via mail, phone or email. I have no contact info for them, and they have added this to my credit report without proper notice and time to verify the 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 2025-09-30 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SAN DIEGO COUNTY CREDIT UNION
State: NC

Complaint narrative:
The XXXX credit bureaus XXXX, XXXX  and XXXX  are reporting a remaining balance of {$6100.00} for XXXX. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting my contract for my checking account.t. I therefore request that you immediately delete this specified item. I have written multiple letters, and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ATG Credit, LLC
State: GA

Complaint narrative:
This company is reporting on my credit and I am not aware of this company I was a victim of identity theft

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loans need forgiveness because the debt has become an overwhelming financial burden, limiting my ability to build savings, invest in my future, and maintain financial stability. Despite my efforts to repay, the interest continues to grow, making it difficult to get ahead. Forgiveness would provide much-needed relief and allow me to focus on creating long-term financial security.

Company response to consumer: Closed with explanation