vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX : Cease and Desist Letter & Credit Dispute Notification Account Number : [ XXXX ] Dear Credit Control Services, This letter is to formally notify you that I dispute the validity of the above-referenced account. I request that you immediately cease all communication with me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 

I also dispute the reporting of this account to the credit bureaus and request that you investigate and verify the accuracy of this information. If you can not provide sufficient proof of the debt, including a signed contract or itemized statements, you are required to remove all references to this account from my credit file. 

Please note the following actions are required : Cease all further direct communication with me. 

Provide validation of the alleged debt within 30 days, including original documentation. 

Refrain from reporting, or immediately correct/remove, any inaccurate information related to this account from my credit report. 

Any further attempt to collect on this disputed debt, or failure to comply, will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action. 

Sincerely, 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX : Cease and Desist Letter & Credit Dispute Notification Account Number : [ XXXX ] Dear Credit Control Services, This letter is to formally notify you that I dispute the validity of the above-referenced account. I request that you immediately cease all communication with me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 

I also dispute the reporting of this account to the credit bureaus and request that you investigate and verify the accuracy of this information. If you can not provide sufficient proof of the debt, including a signed contract or itemized statements, you are required to remove all references to this account from my credit file. 

Please note the following actions are required : Cease all further direct communication with me. 

Provide validation of the alleged debt within 30 days, including original documentation. 

Refrain from reporting, or immediately correct/remove, any inaccurate information related to this account from my credit report. 

Any further attempt to collect on this disputed debt, or failure to comply, will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
On or around XX/XX/XXXX, a collection account was reported by XXXX XXXX XXXX, referencing an alleged debt originally from the XXXX XXXX XXXX in the amount of {$740.00}. This account has been reporting to TransUnion and Experian as a derogatory collection/charge-off. 

No documentation was provided to validate the accuracy of the debt, including the date of first delinquency or a record of any payment history. I did not receive prior notice of collection activity, and no contractual agreement or itemized statement has been furnished despite requests. 

As of XX/XX/XXXX, the account remains on my credit reports with no updates or verified substantiation. I believe this account has been reported inaccurately and in violation of the Fair Credit Reporting Act. I request that the reporting agencies and the collection agency provide verification or remove the account entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. XXXX USC XXXX Section XXXX States as followed : I have the right to privacy. XXXX USC XXXX Section XXXXA states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section XXXX ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. XXXX USC XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section XXXX ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. XXXX USC XXXX Section XXXX States as followed : I have the right to privacy. XXXX USC XXXX Section XXXXA states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section XXXX ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. XXXX USC XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section XXXX ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
I opened a XXXX  card with XXXX XXXX in XX/XX/XXXX. After financial XXXX, the account became XXXX  and was eventually XXXX XXXX in XXXX. Since then, Ive disputed the account because the reporting is both inaccurate and unverifiable. The reported account numbers differ between the credit bureaus, and each bureau displays different details, including balance and payment status. 

More importantly, the remarks on TransUnion show Profit and Loss Write-Off ( PRL ), which generally means the creditor wrote off the account and possibly sold or transferred it. However, when I submitted a prior dispute pointing this out, XXXX XXXX responded by saying they had not written the account off which directly contradicts the XXXX designation they themselves submitted. 

The payment history also shows repeated XXXX ( XXXX  ) codes each month, which misrepresents the status. A XXXX  is a one-time event, not a recurring XXXX. I believe the companys response was inaccurate and misleading. XXXX requesting that the CFPB investigate this tradeline and require XXXX to prove current ownership, provide supporting documentation, and correct or remove the account if unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
I opened a XXXX  card with XXXX XXXX in XX/XX/XXXX. After financial XXXX, the account became XXXX  and was eventually XXXX XXXX in XXXX. Since then, Ive disputed the account because the reporting is both inaccurate and unverifiable. The reported account numbers differ between the credit bureaus, and each bureau displays different details, including balance and payment status. 

More importantly, the remarks on TransUnion show Profit and Loss Write-Off ( PRL ), which generally means the creditor wrote off the account and possibly sold or transferred it. However, when I submitted a prior dispute pointing this out, XXXX XXXX responded by saying they had not written the account off which directly contradicts the XXXX designation they themselves submitted. 

The payment history also shows repeated XXXX ( XXXX  ) codes each month, which misrepresents the status. A XXXX  is a one-time event, not a recurring XXXX. I believe the companys response was inaccurate and misleading. XXXX requesting that the CFPB investigate this tradeline and require XXXX to prove current ownership, provide supporting documentation, and correct or remove the account if unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im reporting Navy Federal Credit Union for failing to provide transparency and full disclosure on a closed auto loan account ( Account XXXX. XXXX ), which they reported as Paid, Closed/Never Late in XXXX XXXX While it appears positive on the surface, I have serious reason to believe this promissory note was securitized, monetized, or reassigned behind the scenes without notice, consent, or disclosure to me as the original obligor. 

I have issued a formal Conditional Acceptance of any and all future claims or liens on this account and have demanded, in good faith, the chain of title, accounting records, proof of holder-in-due-course status, and any CUSIP or trust data showing if the note was pledged into a securities pool or sold to third-party investors. 

This is not a denial of the account this is about protecting my legal rights. Under UCC 1-308, 3-302, and 3-305, I have a right to know who holds the paper, who has standing to enforce it, and whether or not Navy Federal retained any true legal claim after payment. 
This is about title clarity, financial accuracy, and consumer protection. I am concerned the note may have been monetized or pledged in violation of my right to full disclosure, and I am prepared to escalate this to federal arbitration, file a UCC-1 Financing Statement asserting equitable interest, and notify the DMV of a lien dispute if Navy Federal can not validate its position as holder in due course.

If Navy Federal has nothing to hide, then disclosure should be simple. But so far, Ive received silence instead of documents. That silence speaks volumes and thats why Im here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
In XX/XX/XXXX, all three credit bureaus XXXX XXXX  and XXXX reported XXXX ( XXXX ) late payments on my student loan account ( XXXX XXXXXXXX XXXX XXXX XXXX ), citing missed payments from XX/XX/XXXX through XX/XX/XXXX. This caused a significant drop in my credit score across all platforms. 

However, I was never notified by the loan servicer regarding any missed or past-due payments no emails, no phone calls, and no mailed letters meaning I had no awareness or opportunity to act beforehand. 

As soon as I discovered the issue in XXXX, I took immediate corrective action : Paid the entire past-due amount in full Set up autopay to prevent any future issues Submitted a goodwill letter explaining the situation and requesting that the late payment marks be removed That goodwill request was granted, and as a result, both Experian and TransUnion updated my report in XX/XX/XXXX, removing the delinquencies and restoring my credit ( proof attached ). 

However, Equifax has not yet updated or corrected my file, and continues to report all XXXX late payments even though the issue has been fully resolved and acknowledged by the other two credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX  was fined nearly {$28.00} million for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} million fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute the reporting of a collection account by XXXX XXXX XXXX XXXX XXXX XXXX with an alleged balance of * * {$480.00} * *, reportedly opened on * * XX/XX/year> * *. 

U

nder the * * Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) * *, consumer reporting agencies are legally required to maintain * * maximum possible accuracy * * of the information contained in a consumers credit file. The continued reporting of this account, which has been marked as " placed for collection, '' is being disputed due to multiple inconsistencies and a * * potential data breach * *. * * Heres whats wrong : * * 1. * * I was never properly notified * * of this accounts placement for collection or any validation of the alleged debt. 2. * * There is no proof of original creditor validation * * or my authorization for this debt.

3. There have been recent, widespread * * data breaches impacting credit reporting and collection agencies * *, which raise serious concerns about the integrity and security of this data.

4. As required by * * 15 USC 1681c-2 * *, any information resulting from identity theft or compromise must be blocked or removed upon a proper request and supporting documentation.

Therefore, under the * * Metro 2 Compliance Format * * and the * * FCRA * *, I am requesting the following : - An immediate * * investigation * * of this account, including validation from the original creditor.

- Suspension of reporting during the investigation, as required under FCRA.

- If the item can not be 100 % verified with documented proof, * * permanently remove it from my credit file * *. 
- Provide a * * written response within 30 days * *, as required by law. 



Please update my file and send confirmation of the investigation results to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I mailed a certified letter to XXXX on XX/XX/year> asking for the following information : the amount of the alleged debt, the name of the original creditor, a detailed statement or copy of the original agreement that bear signature of the alleged debtor with promises to pay the original creditor, proof that your agency is licensed to collect debts in the state of Georgia, and a complete payment history, including ant interest, fees, or other charges added. 
The only information I have received are copies of bill, and that was printed on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$130.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$750.00}

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