vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-12 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 XXXX 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 2025-08-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have several fraudulent inquiries on my credit report that I do not recognize That I demand to be removed in 4 days after receiving this complaint XXXX. XXXX Date XXXX Reported to XXXX  XXXX. Navy FCU Date XXXX Reported to XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX reported to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I have several fraudulent inquiries on my credit report that I do not recognize That I demand to be removed in 4 days after receiving this complaint 1. XXXX Date XXXX Reported to XXXX 2. XXXX XXXX Date XXXX Reported to XXXX 3. XXXX XXXX XXXX XXXX XXXX reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
Credit Acceptance continues to report inaccurate balances and account information. The account was repossessed in XX/XX/XXXX but was not closed until XX/XX/XXXX, even though it should have been closed on the date of repossession. 

I have never received a Right to Redeem notice or Bill of Sale, both of which are required under applicable law. I have sent multiple written requests for proper debt validation under 15 U.S.C. 1692g ( b ), but Credit Acceptance has failed to provide the requested documentation. 

The continued reporting of inaccurate balances and account statuses is a violation of 15 U.S.C. 1681s-2XXXX XXXX XXXX XXXX have already deleted this account, which further confirms the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in connection with an alleged eviction debt. Despite being placed on notice through a prior CFPB complaint, they have failed to provide lawful validation or correct their reporting. XXXX XXXX XXXX reply does not resolve my complaint and, in fact, confirms my allegations. 

XXXX. Duplicate XXXX XXXX of Inaccuracy In their response, XXXX XXXX admits that a duplicate tradeline existed and has now been removed. This is direct evidence of inaccurate reporting under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( b ). This duplicate reporting remained on my consumer reports for an extended period, causing score damage, housing denials, and reputational harm. The fact that they removed it now does not cure the harm already caused. 

XXXX. Proof They Were Already On Notice of My Dispute XXXX XXXX attached my previous dispute letter and their prior CFPB response to this case. This proves they were already on notice of my dispute prior to this complaint and were therefore required under : FCRA XXXX ( a ) to conduct a reasonable reinvestigation ; and FDCPA XXXX ( b ) to cease collection and furnishings until the debt was validated. 

Despite this, they continued furnishing inaccurate and unvalidated information. 

XXXX. Incomplete and Deficient Validation The companys so-called validation does not meet the requirements of the FDCPA. Their documentation fails to : Provide a complete and accurate itemization of all charges that matches the original court judgment. 
Explain the conflicting balances and altered documents ( including the use of whiteout ). 
Show the full chain of assignment proving their legal right to collect. 
Include evidence that all amounts claimed are lawful and accurate under the lease agreement and applicable state law. 

Simply sending copies of a lease, application, prior CFPB responses, and inconsistent balance statements does not constitute proper validation. 

XXXX. Ongoing Violations XXXX XXXX continues to furnish this tradeline to consumer reporting agencies despite failing to cure the inaccuracy and fully validate the debt. This violates : FCRA XXXX Failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) Furnishing inaccurate information after notice of dispute. 
FDCPA XXXX Using misleading and deceptive representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX IN, XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX, XXXX, XXXX XXXX, XXXX IN, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Cease and Desist Notice Regarding Debt Collection Communication Re : Account Number XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced above.

I do not wish to be contacted by phone, mail, email, or any other means concerning this matter. Under the FDCPA, once this request is received, you are legally prohibited from contacting me further except to notify me of either : 1. Your intent to take specific legal action, or 2. That collection efforts have been terminated. 

Any further communication beyond those permitted by law will be considered a violation of 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX IN, XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX, XXXX, XXXX XXXX, XXXX IN, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them, and their presence on my credit report is inaccurate and misleading. 

I take the accuracy of my credit profile very seriously and require immediate clarification as to why these accounts are appearing and who is responsible for reporting them.

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 2025-08-12 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: FL

Complaint narrative:
I am disputing multiple inaccurate, fraudulent, and reinserted items on my credit reports with Experian, XXXX and TransUnion. These accounts and inquiries are the result of identity theft, have been previously deleted after investigation, and were unlawfully reinserted without providing the required written notice at least five business days before reinsertion, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Fraudulent and Reinserted Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$35000.00} Status : Charge-off Past due {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$650.00} Status : Charge-off Past due {$650.00} XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} Status : Collection Past due {$1100.00} These accounts must be permanently blocked unless verified according to FCRA procedures. 

Duplicate Accounts ( violates XXXX XXXX XXXX ( b ) maximum possible accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance {$2500.00} Unauthorized Hard Inquiries ( violates 15 USC 1681b permissible purpose ) : XXXXXXXX XXXX XXXXXX/XX/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 did not authorize these inquiries, did not apply for credit or services with these entities, and demand certification of permissible purpose, including the name and contact of the individual who accessed my file. 

I have provided an FTC Identity Theft Report ( Report # XXXX ) and police report. Under FCRA 605B, these fraudulent items must be blocked permanently. Continued reporting after notice constitutes willful violations under 15 USC 1681n and negligent violations under 1681o, making the bureaus liable for statutory damages, actual damages, attorneys fees, and costs.

This dispute covers all inaccurate accounts, inquiries, and addresses across all three credit bureaus. I demand full reinvestigation under 15 USC 1681i, deletion of unverifiable items, and written confirmation of all 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 2025-08-12 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 a victim of identity theft and my credit report contains accounts and inquiries I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all fraudulent items from my file. 

Please confirm in writing once these corrections have 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 2025-08-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$1000.00}

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/year>2024 opened a checking account at pnc. i was promised i would get {$400.00} with checking account and signing up w direct deposit. my income met their specifications and they only gave me half. i called and they said they accidentally signed me up for wrong account. i asked for it to be fixed and to give me promised money. they called me several times but it was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-12 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 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 response to consumer: Closed with non-monetary relief