vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity.

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx XXXX EQUIFAX INFORMATION SERVICES LLC XX/XX/XXXX Social Security # XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Pease note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 submitted a formal identity theft dispute to TransUnion regarding two fraudulent accounts reported under my name, which I did not authorize or open. The accounts listed XXXX # XXXX and # XXXX were added to my credit report without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

These accounts were disputed on XX/XX/year>, with supporting documentation as required under 15 U.S.C. 1681c-2. Despite the legal obligation to block and delete this information promptly, I have not received confirmation of permanent removal. This violates multiple sections of the FCRA, including : 1681c-2 ( a ) Duty to block identity theft-related information.

1681i & 1681e ( b ) Obligation to reinvestigate and ensure maximum accuracy.

1681s-2 ( a ) Furnisher prohibition against reporting false data.

1681i ( a ) ( 5 ) ( B ) - ( D ) Rules for reinsertion and mandatory notification to other CRAs.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Navy Federal Credit Union for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting guidelines, and Truth in Lending Act ( TILA ). This complaint pertains to account # XXXX, which is being inaccurately and harmfully reported across credit bureaus despite a formal dispute and completed reinvestigation in XX/XX/year>. 

The following violations are present : - Ongoing re-aging of charge-off through XX/XX/2025 ( FCRA 623 ( a ) ( 5 ) ) - Contradictory data ( 0 % on-time payments vs. no sequential delinquencies ) ( FCRA 1681e ( b ) ) - Improper over-limit reporting of 105 % utilization ( FCRA 1681e ( b ), TILA ) - Inconsistent 'closed ' status with active derogatory updates ( FCRA 623 ( a ) ( 2 ) ) - Verification of inaccurate data after formal dispute ( FCRA 1681i ( a ), 1681s-2 ( b ) ) - Failure to report sequential XXXX prior to XXXX late status ( FCRA 1681e ( b ) ) Navy Federal Credit Union verified this account during reinvestigation despite the clear presence of errors and contradictions, indicating willful noncompliance with its obligations as a data furnisher. I have submitted a sworn affidavit, declaration of harm, and supporting exhibits proving these violations and the harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-15 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, this account is not mine and need to be remove from my report immediately. 
Please remove this fraudulent account from my report because its hurting my credit. 
thank you!!

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 2025-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NE

Complaint narrative:
I was misled during the timeshare sales presentation by XXXX XXXX XXXX and later denied access during the rescission period. Despite repeated requests, I never received a clear itemization of fees, interest, or charges. Payoff amounts have varied across multiple documentsfirst $ XXXX, then $ XXXX, and now $ XXXX any explanation. 

On XX/XX/year>, I received a Notice of Default and Intent to Foreclose ( dated XX/XX/XXXX ). I immediately submitted a formal objection and mailed it via UPS with signature required. I also filed complaints with the Florida Attorney General and the Florida Department of Business and Professional Regulation. 

XXXX has failed to provide access, accurate information, or fair treatment. I am requesting that this foreclosure be paused and the matter reviewed through proper legal and regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX CO XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx XXXX TRANSUNION LLC XX/XX/XXXX Social Security # XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Pease note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2025-04-15 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: MI

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
In XX/XX/year>2023, I made a purchase from the merchant XXXX. When I arrived at the designated pickup location to collect the package, I immediately noticed it appeared damaged. The package felt significantly lighter than expected, which raised concern. Upon closer inspection, I discovered that the package had been tampered withit appeared sealed from the outside, but had clearly been opened and then resealed. The attached photos show the condition of the package, including a torn safety seal. 

I promptly contacted XXXX customer service to report the issue. However, they declined to offer any assistance or resolution. I have since submitted multiple claims and provided supporting evidence, including photographs and a police report ( XXXX XXXX. XXXX ). Despite these efforts, XXXX has refused to take responsibility or address the issue. 

Additionally, I opened a dispute with Apple Card, which is issued by Goldman Sachs, as this was the payment method used for the purchase. Unfortunately, my case has been denied multiple times without any clear explanation, despite the fact that I have submitted all requested documentation and followed every step of their dispute process. I have made every effort to resolve this matter directly with both XXXX and Apple/Goldman Sachs , but have been met with repeated denial and no transparency. 

At the time of the incident, I was also preparing for international travel, which limited my ability to retrieve detailed phone logs. However, I remain willing to provide any additional documentation that may assist in resolving this matter. 

I am requesting the CFPBs assistance in obtaining a fair review of this case. Despite my persistence and cooperation, I have been left without a resolution or refund for a clearly compromised and undelivered product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked I had been the victim of identity theft. I do not recognize these accounts. Please remove it from my credit report because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AZ

Complaint narrative:
I am disputing a XXXX XXXX account that is being reported on my credit file as charged off, yet it still reflects a balance owed. More importantly, the reported balance is different on Experian and Equifax, which demonstrates inconsistent and potentially inaccurate reporting.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, furnishers of information are required to report accurate and complete information. Additionally, under FCRA 1681i, credit reporting agencies must investigate and correct or delete any information that is inaccurate, incomplete, or can not be verified. 

The inconsistency in the balance across the two bureaus suggests that the data being reported is not reliable. If the account has been charged off and sold or resolved, the balance should either be updated to {$0.00} or clearly reflect its current status. This reporting is damaging to my credit and does not reflect fair or accurate information.

Because the information is conflicting and possibly unverifiable, I am formally requesting that this Capital One account be removed ( deleted ) from all of my credit reports in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Personal Statement Personal Statement Personal Statement i received an email Today from XXXX about a collection being flagged on my credit report. in XX/XX/year> i was in accident were my car was totaled out on XX/XX/year>. XXXX decided they would pay for my vehicle and all i did eas contract them to let know i was in accident. i never wanted them to handle it because i was not at fault. XXXX sold my information to credit Collection Service which is committing fraudulent after telling the irs they not going come after me but instead they put on my credit after they paid for my vehicle and sent me a check for deductible. i wanted to be deleted and nerver put back on 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 2025-04-15 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:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX c/o [ Non-Domestic, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records.

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately.

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX XXXX. Remove any erroneous, incomplete, or outdated name variations XXXX. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX [ Non-Domestic ] XXXX XXXX XXXX Near XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
To whom it may concern, I am submitting this complaint to formally dispute a collection account that has reappeared on my credit report. This account was previously removed after being found to be either inaccurate, unverifiable, or otherwise resolved. Its sudden reappearance is not only distressing but also unjustified.

The presence of this collection account is negatively impacting my credit score and overall financial well-being. It is causing me significant stress and is interfering with my ability to obtain credit, housing, and other essential financial services. I have made efforts to maintain a clean and accurate credit profile, and the re-reporting of this account is causing undue harm. 

I respectfully request a thorough investigation into how and why this account was reinserted into my credit report. I would also like confirmation that the furnisher has provided the required notice to the credit reporting agencies per the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( a ) ( 5 ) ( B ), which mandates that if a deleted item is reinserted, the consumer must be notified within five business days. 

Please take the necessary steps to investigate this matter and ensure that my credit report reflects only accurate and verified information. 

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