vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
XX/XX/XXXX called the office because I didnt received a notice. And when I called the lady said they cant get nobody on the phone and my car was repossessed a day later. I also called again today XX/XX/XXXX to get my things and nobody was answering and the lady said someone will call back and never did

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 2025-04-29 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: MD

Complaint narrative:
Id Theft victim. 

Inquiries on my report are fraud. Please remve them asap 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 explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY,10032 XXXX XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Sir/Madam XXXX XXXX am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX U.S. Code XXXX - Procedure in case of disputed accuracy, and XXXX U.S. Code XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX  CARD XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX FIN XXXX I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to XXXX U.S. Code XXXX, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under XXXX XXXX Code XXXX ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 



I appreciate your time and consideration in this matter and look forward to receiving a positive response. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THESE ADDRESS PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX pl XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
According to FCRA a consumer reporting agency shall follow procedure. 15 USC 1681s-2A. A person shall not furnish any information to any consumer reporting agency if the persons have reasonable cause to believe the information is incorrect. According to 15U.S CODE 6802 a financial institution shall not disclose any public information to a third party without permission from consumer in writing or electronic form or other form that such information XXXX be disclose to a third party. The original creditor XXXX XXXX have removed the collection I do not have a a contract with Jefferson Capital System LLC and they cant provide documentation showing a contract. This is a violation of my right 15 USC 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a checking account with Navy Federal credit union and I had some fraudulent charges being made to my account it was for a gym membership that I did not do I notified Navy Federal about this and asked them to stop payment on all of these wired transactions they told me that they will stop the payment and waive the fees however my account was closed out of nowhere and they're saying I owe them {$100.00} because I overdrafted which I never overdrafted those transactions were not mine they said that the account is already charged off and now they sold the debt to some debt collector that is contacting me and harassing me they have not shown proof that I am responsible for this withdrawal fees they need to cancel this debt with a debt collector because it is not mine and is unlawful and I would like my checking account to be open back with Navy Real they're telling me I need to pay the debt collector before I can open the account back which is not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX for Violations of the FDCPA Dear CFPB Officer, I am filing a formal complaint against XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX regarding unlawful communication tactics, improper reporting practices, and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have sent a Cease and Desist letter to SYNCB/PPC requesting that they immediately stop all communications regarding an alleged debt associated with account number ending in 1759. Under 15 U.S.C. 1692c ( c ), once a debt collector receives a consumer 's written request to cease communication, they are legally obligated to comply.

Furthermore, under 15 U.S.C. 1692a ( 2 ), " communication '' is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting to any consumer reporting agency ( such as TransUnion, Experian, or Equifax ) qualifies as a form of communication.

Despite my cease and desist request, SYNCB/PPC has continued to report the alleged debt to the credit bureaus, violating federal law and continuing to damage my credit profile unlawfully.

Requested Resolution : Immediate deletion of the SYNCB/PPC tradeline associated with this alleged debt from all consumer credit reporting agencies.

Confirmation in writing that all reporting has ceased in compliance with the FDCPA and FCRA. 

Investigation into XXXXXXXX XXXX  ongoing reporting practices after receiving cease and desist notices. 

Attached are copies of my cease and desist communication and evidence of the ongoing reporting activity as of XX/XX/year>. 

Thank you for investigating this serious violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX for Violations of the FDCPA Dear CFPB XXXX, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding unlawful communication tactics, improper reporting practices, and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have sent a Cease and Desist letter to SYNCB/PPC requesting that they immediately stop all communications regarding an alleged debt associated with account number ending in 1759. Under 15 U.S.C. 1692c ( c ), once a debt collector receives a consumer 's written request to cease communication, they are legally obligated to comply.

Furthermore, under 15 U.S.C. 1692a ( 2 ), " communication '' is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting to any consumer reporting agency ( such as TransUnion, Experian, or Equifax ) qualifies as a form of communication.

Despite my cease and desist request, XXXX  has continued to report the alleged debt to the credit bureaus, violating federal law and continuing to damage my credit profile unlawfully.

Requested Resolution : Immediate deletion of the SYNCB/PPC tradeline associated with this alleged debt from all consumer credit reporting agencies. 

Confirmation in writing that all reporting has ceased in compliance with the FDCPA and FCRA. 

Investigation into XXXX Banks ongoing reporting practices after receiving cease and desist notices. 

Attached are copies of my cease and desist communication and evidence of the ongoing reporting activity as of XX/XX/year>. 

Thank you for investigating this serious violation of my consumer rights. 

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 non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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 explanation
Consumer complaint received 2025-04-29 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: NC

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 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I turned in a leased vehicle to XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. The vehicle ( XXXX XXXX ) was paid off and I re-leased a new vehicle with them ( XXXX XXXX ). I had never been delinquent on this account and paid on time every month. 

The car was paid in full and in XXXX of XXXX Ally bank contacted me stating my last month 's payment was never paid. I contacted the dealership after receiving this notice from Ally, and they dealer stated that my account had been paid in full. Proof of this was sent to me via email on XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, I was notified by my bank that my XXXX XXXX had dropped by over XXXX points. I verified this information myself, and the XXXX XXXX account that was closed 2 years ago when I took out my new lease on the XXXX XXXX was showing that the account had just closed in XXXX of XXXX. The account showed that there was a delinquency on the XXXX account that was reported to the credit bureaus causing my score to plummet. 

Ally Bank stated the car was paid off and the account was closed, but that there had been a charge off on the account from XXXX of XXXX. 


I have contacted Ally Bank as well as XXXX XXXX dealership numerous times upon learning this, and neither will point me in the right direction. The dealership states this is on Ally to resolve but Ally is stating that this is on the dealership for charging off the vehicle. Once I notified the dealership of the charge off, they said it went to management and no one has contacted me in over a week. When I try to contact Ally, they say they can no longer discuss the account with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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: NJ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan through the XXXXXXXX XXXX XXXXXXXX was with Navient. I had my loan on auto pay prior to the pause of student loan payments by the Fed Gov. Now that the loan payments are supposed to be back on, apparently my loan is now in default. I did not receive any notice that Navient is no longer my loan servicer. My payments did not auto resume as I thought would happen. This is negatively showing on my credit. I am in attempt now to figure out where my loan is so that I can get it back on track. I have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding XXXX  's inadequate handling of disputes I have filed concerning inaccurate information on my credit report. Despite providing substantial evidence to support my claims, XXXX  has not conducted a proper investigation, which I believe violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}  According to the FCRA, I am entitled to accurate information and a fair investigation process. The accounts listed below have resulted in violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have submitted disputes for these accounts, along with documentation demonstrating that the information is either inaccurate or unverifiable. However, XXXX  has either failed to verify this information appropriately or has responded with generic " verified '' statements without providing a clear explanation of their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has adversely affected my credit score and financial well-being, hindering my ability to obtain credit, loans, housing, and other essential services.

Company response to consumer: Closed with explanation