vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
I am filing a complaint to formally dispute certain items on my credit report that may have been obtained or shared without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

According to this section of the FCRA, a consumer reporting agency may not furnish a consumer report to any person unless it is for a purpose authorized by the FCRA. Furthermore, any person obtaining a report must have a certified permissible purpose. It has come to my attention that the following entities may have accessed or listed accounts on my credit file without my consent and without a valid legal basis : Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Acct # : XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX  XXXXXXXX XXXX XXXX  Balance Owed : {$88.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XXXX XXXXXX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I sent them a dispute letter which hasnt been acknowledged by certified mail. Truck was stolen. And I received letter stating it was paid off. They claim I it was XXXX left. They keep putting more and more late payments on report. Credit acceptance is the name of company.

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 2025-07-30 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: NC

Complaint narrative:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and to notify you that I am a confirmed victim of identity theft, connected to the Equifax data breach of 2017, which exposed the personal and financial data of over 140 million Americans including mine.

I did not authorize or initiate the alleged account referenced above. This item is the result of fraudulent activity, and I am demanding an immediate investigation and removal of the account in question.

In accordance with my rights under 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be :

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a Victim of Identify theft and have provided with both a FTC report and Police report to have the accounts deleted from my credit reports. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Under the Illinois Collection Agency Act, I request verification of your active license to collect debt in Illinois. I was unable to verify License # XXXX in the XXXX database. Please provide the official agency name under which you are licensed in Illinois, and a copy of your certificate or active status confirmation. 

Also The Amount Sequium is attempting to Collect on this alleged account differs from XXXX XXXX. third-party collectors are not legally allowed to inflate the debt unless Sequium is buying the debt and misrepresenting the amount ( also illegal under the Fair Debt Collection Practices Act FDCPA ) Please provide : - A copy of the original agreement or proof that I owe this debt Billing statement is NOT a validation of debt according to the FCRA - The amount of the original debt and a breakdown of any added interest/fees - Proof you are licensed to collect debt in Illinois ( including license number, agency name, and status If you can't provide me with this information I'm requesting a cease and desist immediately. 


Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony closed my acct and never gave me a reason for closure. The account status unfairly impacted my score and credit standing. Once Synchrony closed my account, my credit score dropped significantly. I am requesting : a review and correction of how this is reported removal or clarification that the closure was not due to delinquency or misuse. I have never been late since opening the account.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I had a CD for $ XXXX that expired from XXXX XXXX XXXX XXXX. Upon maturity of that CD, I received a check from this bank and deposited it into another bank of mine, Citizens Bank. I deposited the check around 3-4 weeks ago Citizens bank refuses to release the funds of my check, claiming they werent able to verify the validity of the funds. However, when I contacted Citizens with a XXXX supervisor on the line, Citizens is unable to provide a date or method of contacting XXXX, which makes it hard to believe a contact attempt was even made. My funds were put on hold three times, and the date keeps getting extended for no reason. Can you please help me? 

I attached a letter from XXXX assuring the validity of the funds. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I discovered a fraudulent activity listed on my credit report that does not belong to me. I believe this is a result of identity theft. The accounts in question appears to be opened without my knowledge or consent. I did not authorize this account or inquries, and I have never conducted any business with the company reporting it. The account is negatively affecting my XXXX XXXX and does not reflect my financial activity or responsibility : XXXX XXXX XXXX  Account XXXX XXXX Date opened : XX/XX/XXXX Balance : {$29.00} Account name XXXX  Account number XXXX Date opened : XX/XX/XXXX Balance : {$2400.00} Addresses : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I noticed unauthorized inquiries on my credit report after recently reviewing it. Also I noticed duplicate inquiries. Please remove the following items asap Inquiries : XXXX XXXX XXXX XXXX XXXX ( multiple duplicates ) XXXX  XXXX  Please remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I financed a purchase of XXXX supplements through XXXX XXXX XXXX which is originated and serviced by Affirm ( Loan ID : XXXX ). I received a counterfeit product. I provided photographic proof that the packaging lacked the required QR code found on all legitimate XXXX products. Additionally, the merchants website ( XXXX ) has since disappeared the domain is inactive, and the store is no longer listed in the XXXX XXXX 

I filed a dispute with Affirm, but it was closed in the merchants favor. When I followed up with further documentation and requested escalation, I was told to restart the dispute using a self-service portal with no meaningful review of the evidence already submitted. Attempts to reach their support by phone were deflected and unhelpful. Despite being clearly misled and sold a counterfeit product by a fraudulent merchant Affirm supported, I was offered no refund. 

I ultimately paid the full balance of {$200.00} to avoid derogatory reporting, but I do not believe I should have had to. I am requesting that the CFPB investigate Affirms failure to support consumers in disputes involving counterfeit goods, and their failure to take accountability for merchants operating fraudulently through their financing and XXXX XXXX 

Loan ID : XXXX Loan Processed : XX/XX/year> Loan Paid in Full : XX/XX/year> Amount paid : {$200.00} Fraudulent Merchant ( Domain no longer active ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
So ive been going back and forth with the company navy federal for years now about this account. I called and asked for freeze on my billing for 60-90 days. They agreed and told me at the time that for 3 months I dont have to pay and my life if the loan will be extended 3 months and interest will be added. I agreed and everything was good. Little did I know they approved it and never submitted it or one manager said it might have been a clerical error to keep trying to talk to someone I was never supposed to be late because if there hardship program. I was never late and because I lost my job I asked for time to get another job. Well I didnt make a payment because this was never supposed to be billed. Well I went XXXX and 60 days past due. The following month I paid it even tho I didnt have much saved up. I asked for a month of hardship again and they agreed and yet again it reported as 30 days late so when I called they apologized and said they would fix it. I started back making payments as promised to them but time and time again calling and sending letters I got nothing back from them. They assured me multiple times talking to them they would fix this issue and was never fixed by them. This is not my fault. I did as they asked. Called and requested time with there hardship program but they never honored what they told me. Ive been trying for years to get this removed. The customer service agent is the one who recommended me to put a dispute with CFPB that theyll be the only ones who care and can help me. 

This is only reporting on XXXX XXXX XXXX reporting correct and XXXX  is reporting correct. It was removed from the two but not XXXX. This should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX, LVNV Funding LLC, XXXX XXXX XXXX, XXXX, and XXXX all once owned a Allegedly debt accounts of my sister and I. They have mixed up our accounts and emails, exposing our personal information to an unauthorized third party. On multiple occasions XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
Subject : Formal Credit Report Dispute and Request for Validation under FCRA Dear Experian, I am writing to formally dispute several inaccurate and potentially unverifiable accounts listed on my credit report. I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any accounts that can not be properly validated with the necessary documentation. 

Specifically, I am disputing the following accounts : XXXX XXXXXXXX XXXX SS XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Potentially Negative Months XXXX XXXX 25 Potentially Negative Months Furthermore XXXX the XXXXXXXX XXXX account is being inaccurately XXXXeported as a repossession, which is factually incorrect. Enclosed is an official letter from XXXX XXXX, confirming that the vehicle in question was declared a total loss, not repossessed. 

Per the FCRA, I formally request the following : Provide a valid Forward Flow Agreement and the complete Chain of Assignment for each account listed above to validate their accuracy and legal standing. If the accounts can not be verified with original, documented proof, I demand their immediate deletion from my credit report. Please confirm your findings and any updates to my report in writing within 30 days, as mandated by the FCRA. I expect all future communications regarding this matter to be in writing. Please include an updated copy of my credit report showing the results of your investigation. 

Thank you for your prompt attention to 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