vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am a U.S. XXXX veteran with a 100 % Permanent & XXXX XXXXXXXX rating. In XX/XX/XXXX, I traveled to XXXX  to visit family for XXXX. During that trip, my XXXX became high-risk and I was no longer medically cleared to return to my apartment in XXXX XXXX XXXX Despite not being able to return, I continued to pay my rent in full from XX/XX/XXXX through XX/XX/XXXX. 

On or around XX/XX/XXXX, I received a call from XXXX XXXX ' property manager, XXXXXXXX XXXX XXXX XXXX. He said the unit appeared unoccupied based on inspection photos. I explained my medical situation and that I could not return until after my XX/XX/XXXX due date. He offered to allow me to terminate the lease with no penalty due to my medical hardship. He requested that I send a doctors note confirming I could not travel and a notice to vacate listing the name of my movers. 

I complied with both requests. I submitted my XXXX XXXX note and the notice to vacate through the assistant property manager, XXXX, who confirmed receipt. My movers cleared the unit, and I returned the apartment key. I gave birth prematurely on XX/XX/XXXX, and my son remained in the XXXX. I also developed a XXXX XXXX in my XXXX  vein and am still undergoing treatment, which limits my ability to travel. 

Despite following all instructions and being told there would be no penalty, I later discovered a {$2400.00} collection account from XXXX XXXX XXXX on my credit report. I contacted the new property manager at XXXX XXXX, who said they would not remove the charge because there was no written lease termination agreement on file. I was never informed this was required. 

This collection is inaccurate and harmful. I followed all verbal instructions from management and submitted supporting medical documentation. I have attached proof of rent payments, the doctor 's note, my VA hardship letter, my VA disability verification, and full email threads with management confirming the lease termination process and key return. 

I respectfully request that this item be removed from my credit report and that the collection be withdrawn, as I acted in good faith and under the direction of XXXX XXXX management.

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 2025-07-15 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of one or more late payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Navy Federal Credit on my credit report. This reporting is not only incorrect, but it also constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 
Specifically, under 15 U.S.C. 1681 ( Section 602 ), I am guaranteed the right to privacy with regard to the use of my credit information. Furthermore, 15 U.S.C. 1681b ( Section 604A, Subsection 2 ) clearly states that a consumer reporting agency can not furnish a consumers credit information without that consumers written authorization. I did not provide such authorization in this case, and therefore any furnishing or use of my information is unauthorized.

Additionally, under 15 U.S.C. 1666b, a creditor may not legally treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received on or before the due date and within the required grace period. Based on my records, the payment ( s ) in question fall within these parameters and yet have been reported as delinquent. 

These actions have negatively impacted my credit profile and financial standing. I am requesting that the following action be taken immediately : Remove all inaccurate late payment notations reported late by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CREDIT ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) Provide written confirmation of the removal or results of your investigation. 

Supply me with an updated copy of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, I received medically necessary care at XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. My XXXX  patient portal now shows the account as {$0.00} balance, meaning there is no debt to collect. 



Despite this, Penn Credit Corporation continues to demand payment of {$260.00}. On a recent call ( XX/XX/XXXX ] ), their representative insisted on recording the conversation, and when I declined, they hung up abruptly without providing any information or resolution. 



I formally disputed this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), but Penn Credit continues collection attempts, which is a : False representation of a debt ( FDCPA 807 ) Harassing or abusive practice ( FDCPA 806 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Apple Financing LLC
State: WA

Complaint narrative:
I was frauded out of all my savings and checking accounts by someone one the phone claiming to work for my bank XXXX XXXX. I received a text first asking if I had tried using my card at XXXX for XXXX amount of dollars and when I text back no I got another text saying XXXX XXXX would be contacting me. The scammer called me representing himself as a representative from XXXX XXXX. He said my savings and checking account had been compromised. He had me roll my savings to my checking and my checking to my Apple wallet. From there my money disappeared. He said it would take 24 hours to show up again. It never did and I contacted XXXX XXXX. They said they never called me and couldnt stop the pending transaction. I called apply pay and filed a complaint. They said I authorized the transaction. They will not give me the name of the person who owns the account just that it was moved to a chase account. I did not do that. I have filed a police report, a report with Apple XXXX, XXXX XXXX the Feds and identity theft.gov. Apple XXXX allowed this transaction to go thru knowing it was fraud and will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
XXXX Indigo is reporting a last payment made on XX/XX/year> on my XXXX  credit report. However, when I look over the payment history, XXXX  Indigo does not reflect an on time payment for XXXXXXXX XXXX XXXX. I have disputed this incomplete account with XXXX  Indigo directly and they refuse to update my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and co resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires
you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
This account is reporting on my credit files but the old debt was sold. I tried reaching out and was told that I couldnt resolve the issue with them due to the account being sold. If the account is no longer theres, then it shouldnt be reporting by law. I also never signed a contract with so call third party debt collector

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I have reviewed my credit file and found a collection account that I did not authorize or incur. It appears this account may have been added as a result of mistaken identity or data entry error.

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 2025-07-15 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: CO

Complaint narrative:
I am filing this formal complaint and dispute regarding unauthorized and inaccurate information reported on my credit file by XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

This reporting violates the following federal laws : 15 U.S.C. 1666b This governs the timely handling of billing and credit account practices. The item in question was not properly disclosed or authorized under lawful terms.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) This provision excludes certain information from being reported, and this account does not meet the legal standard for permissible reporting.

15 U.S.C. 6802 This law prohibits financial institutions from disclosing or using my personal information without proper notice and consent. I did not authorize this account, nor was proper notice given. I am demanding that this item be fully investigated and removed from my credit report within 30 days, per the Fair Credit Reporting Act ( FCRA ) 611. Failure to take corrective action will constitute willful noncompliance and result in further action, including escalation through legal channels.

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 2025-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reached out to the company regarding in the student loans that does not belong to me. The address of the day is not my address.

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 2025-07-15 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CRED Account Number XXXX XXXX INQUIRIES : 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 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 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CRED Account Number XXXX XXXX INQUIRIES : 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 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 2025-07-15 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: CA

Complaint narrative:
Couple months age i have discovered an fraudulent account in my Credit Report. After that i have disputed with the major credit bureaus they way the Law describes. 

I have done whatever was requested from my side, in order to get the dispute started. First time disputed and got told from Experian, Transunion, Equifax that the account came back as verified from XXXX and that they are unable to remove it. Contacted XXXX with the request to send a copy of these verified documents to me, they stated many times that they dont have such a document. Today on XX/XX/year> i have created another Police/Ftc report to submit.

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 2025-07-15 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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