vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX  Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 seven years.

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 caus
e to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I opened up a credit card with credit one. I kept up with payments until I lost my job and made them aware that Ill try to keep up with my payments. They then proceeded to call me and ask for payments then I kept making them aware even more about my situation. All I know is received an email from LVNV Funding LLC to attempt to collect a dept and it also was reported to my credit. I responded to them via email with the Debt Verification/ Debt Validation letters and they didnt respond at all in anything. I sent the email response back to them in XX/XX/year> after they sent me an email XX/XX/year>. I received no response. So. Im requesting to hope this company can help me dispute the collections and get it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: LA

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Equifax, Experian and Transunion consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian and Transunion, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure com Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation. Transunion shows an Account in collections/charged off at the same time with an open balance with no account number present. Experian shows the same as a charge off account was closed in XX/XX/XXXX I never received a 1099-c from this company they kept charging off 5 years later Experian verified acct which still shows from XXXX Charge offs to XX/XX/XXXX as accurate!!! According to FCRA i have the right to an accurate credit report

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union took {$1900.00} out of my checking account, which I received as a credit from this year 's taxes for my dependent  ( daughter ) They took the money on XX/XX/XXXX without notifying me, or sending any notices to me that I owed this debt I checked my credit report, and this debt was charged off on XX/XX/XXXX. I had not paid it in over seven years, which was past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TN

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-03-23 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: TN

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Company is still adding additional costs to end of loan. According to document sent by company amount which is balance due at end of loan is more than what customer service agents state is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Veteran & PSLF : I am a XXXX XXXX XXXX veteran ( XXXX ) and served in the XXXX XXXX XXXX ( XXXX ). I submitted my PSLF application based on this qualifying public service. 
Unexpected Negative Credit Report : Nelnet reported my student loan as delinquent in XX/XX/year> without sending billing statements, notices, or communication of any kind. I was unaware of any issue until seeing the delinquency on my credit report. 
No Prior Contact or Verification : I received no outreach or opportunity to resolve any issue before it was reported to XXXX. I was not notified by Nelnet and had no payment obligations I was aware of. 
XXXX Dispute Response : XXXX responded within 24 hours, confirming the Department of Education/Nelnet verified the debt as accurate. However, there was no detailed validation or documentation provided. My updated address ( which Nelnet failed to use ) was not acknowledged. 
Second Dispute Filed : I filed a second dispute with XXXX, focused on : The legitimacy of the reported delinquency Nelnets failure to notify me Updated address being on record but not used Texas Attorney General Complaint Filed : I also filed a formal complaint with the Texas Attorney General to report this as a deceptive and harmful business practice, given the damage to my credit without prior communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: IN

Complaint narrative:
The debt owed was charged off but discover has continued to attempt to collect debt and continues to report no paid balance but account has been charged off since XX/XX/year> i attempted to make payment to the debt of {$50.00} but was sent back the payment multiple times then would receive multiple calls and texts through out each day of the week not including Saturday or Sunday after they stopped calling they have now tried taking me to court for a charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
Report was used inappropriately, My rights were violated and I demand all late payments from this company removed I the consumer did not give permission to any consumer reporting companies to report or share and of my information, consumer law 15 U.S code 1681a states consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my credit report under the name XXXX XXXX XXXX XXXX, with an original creditor listed as XXXX, and the account number XXXX. This account shows an original and current balance of {$1600.00}, with a date assigned of XX/XX/year>. 

I am disputing this account for the following reasons : I do not recognize this debt. I have no recollection of owing any debt to XXXX or XXXX XXXX XXXX. I have not received any valid documentation or contract verifying that I am legally responsible for this debt. 

The amount appears to be inaccurate. The balance reported seems unusually high and inconsistent with any service or agreement I would have entered. I request full itemization and explanation of how this amount was calculated. 

I never authorized XXXX XXXX to report this information. I have not received any communication from XXXX XXXX prior to this collection being added to my credit report. This violates the principles of due process and the Fair Debt Collection Practices Act ( FDCPA ). 

The account was never properly validated. I have not received proper validation of this debt under the Fair Credit Reporting Act ( FCRA ). As such, this account should not be reported on my credit file without verified proof. 

Due to the lack of documentation and the inaccuracy of this account, I am requesting that this collection be removed from my credit report immediately. Under the FCRA, you are required to investigate my dispute and provide a response within 30 days. 

Please conduct a thorough investigation and remove this account if it can not be properly verified. I am also requesting an updated copy of my credit report once the correction has been made. 

Attached you will find a copy of my government-issued ID and a recent utility bill as proof of identity and address. 

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
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had a fraud transaction made on my debit card with the bank Chime, I was told that I had to wait for the transaction to go through in order to file a dispute. When I filed my dispute I was told I had to wait XXXX  weeks for the dispute to be resolved. I live in XXXX XXXX  and a transaction for almost XXXX was made in a XXXX XXXX XXXX XXXX. Again I live in XXXX XXXX and I have other transactions from that day that states I was in need of XXXX, my dispute however was denied today and they said the investigators didnt find anything wrong. This is impossible to me and I feel like my information was hacked. I worked that day as well so its impossible that I travel so far to even make that purchase. I was told now by Chime bank that I have to file a police report as proof that my money was stolen which seems odd to me. I have also uploaded screenshots of my transactions for that day and you can see I was in XXXX XXXX, even traveling I wouldnt be able to make that purchase at XXXX at the time it was made. This whole situation is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/2019 Account shows a balance when the account has been PAID IN FULL. Never late.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/2019 Account shows a balance when the account has been PAID IN FULL. Never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing a formally dispute on all credit bureaus Experian, TransUnion, and Equifax. my information was exposed in a data breach and I have a reason to believe it violates my rights under XXXX XXXX Code XXXX, part of the Fair Credit Reporting Act ( FCRA ). As per this statue, I understand that consumers are protected against unfair credit reporting practices, and I do not recall authorizing these inquires or any matters that could harm my credit.If the Creditor can not provide any proof of authorization from me then I request an investigation of this matter and have all negative reports be removed.

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 2025-03-23 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: CO

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing a formally dispute on all credit bureaus Experian, TransUnion, and Equifax. my information was exposed in a data breach and I have a reason to believe it violates my rights under XXXX XXXX Code XXXX, part of the Fair Credit Reporting Act ( FCRA ). As per this statue, I understand that consumers are protected against unfair credit reporting practices, and I do not recall authorizing these inquires or any matters that could harm my credit.If the Creditor can not provide any proof of authorization from me then I request an investigation of this matter and have all negative reports be removed.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 never have any business with this company. Remove this account immediately from my credit report this account open due to identity theft XXXX XXXX  - XXXX Last updated XX/XX/XXXX Balance {$7400.00} Account Details DEROGATORY Account Type Credit Card Credit Type Revolving Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$7400.00} Highest Balance {$5200.00} Credit Limit {$2500.00}

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 non-monetary relief
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX 
Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 seven years.

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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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