vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: Possible Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written dispute to POSSIBLEFINA, a XXXX company, regarding XXXX accounts listed on my credit reports with XXXX, XXXX, These accounts are reported with statuses like " Closed, '' " Late 30 Days, '' and " Collection/Chargeoff. '' I have no knowledge of these accounts, no contractual relationship with POSSIBLEFINA, and assert they are erroneous. 
I have provided proof of an updated credit report that shows POSSIBLEFINA failed to mark the accounts in dispute. Credit Report [ XXXX ]. 
Despite my dispute, POSSIBLEFINA has failed to validate these accounts within the 30-day period required by law ( by XX/XX/year> ), continues to report them without marking them as disputed, and has not provided the requested documentation, including signed contracts, debt transfer records, or payment histories. 

These actions violate multiple laws : - * * Fair Credit Reporting Act ( FCRA ) * * ( 15 U.S.C. 1681s-2 ) : POSSIBLEFINA failed to ensure accurate reporting, mark accounts as disputed, or investigate and correct/remove inaccurate information within 30 days. 
- * * Fair Debt Collection Practices Act ( FDCPA ) * * ( 15 U.S.C. 1692e, 1692g ) : They continued reporting unverified debts and failed to provide validation after my dispute. 
- * * Texas Debt Collection Act ( TDCA ) * * ( Tex. Fin. Code 392.202, 392.304 ) : They did not notify credit bureaus of the dispute or verify the debts, and misrepresented debt statuses. 
- * * Nevada Consumer Protection Laws * * ( NRS 598, NRS 41.600 ) : Reporting unverified or fraudulent accounts constitutes deceptive trade practices. 
- * * Telephone Consumer Protection Act ( TCPA ) * * ( 47 U.S.C. 227 ) : I am concerned about potential unauthorized contact regarding these disputed accounts. 

These accounts have negatively impacted my credit score, caused financial harm ( e.g., denied credit or higher interest rates ), and resulted in emotional distress. POSSIBLEFINA continued reporting without dispute notation or verification is unlawful and harmful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-22 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: FL

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-05-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Formal Complaint Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and Privacy Protection Laws by Navy Federal Credit Union I am writing to file a formal consumer complaint against Navy Federal Credit Union ( NFCU ) for what I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), as well as the Privacy Protection Act. 

On XX/XX/year>, my previously closed accounts with NFCU were sold to a third-party, non-affiliated debt collection agency, XXXX XXXX XXXX XXXX, without my prior knowledge or consent. This action constitutes an unauthorized disclosure of my personal and financial information and violates the provisions intended to protect consumer privacy under federal law. 

Basis of Complaint : Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : This section of the FCRA underscores the importance of protecting consumer privacy and limiting access to consumer reports to only those with a permissible purpose. Selling closed accounts to a third party without my authorization is not a permissible purpose. 

Breach of the Privacy Protection Act : My personal financial information was shared with an unaffiliated third-party without notice or my express written consent, violating consumer protection statutes regarding non-public personal data. 

Request for Resolution : I formally request the following actions be taken : Immediate deletion of both closed accounts with Navy Federal Credit Union from all consumer reporting agencies. 

Investigation and enforcement action against Navy Federal Credit Union for this privacy breach. 

Written confirmation from NFCU that all data shared with XXXX XXXX XXXX XXXX has been retracted and/or securely deleted. 

This disclosure and sale of my closed account information has caused me undue distress, and I demand corrective measures be taken promptly. I am also attaching copies of supporting documentation for your review, including notices and communications from XXXX XXXX XXXX XXXX. 

Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on the actions taken. 2 Documents attached concerning the Accounts for this complaint. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im beyond upset after discovering an unauthorized inquiry on my credit report today. Ive never seen this before, and I dont understand how it got there. I refreshed the browser thinking it might be a glitchunfortunately, it wasnt. I urgently need someone to carefully recheck the documents Ive provided so I can stop living with this constant worry.

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 2025-05-22 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was left a voicemail today around XXXX to settle with them. And before that I was emailed by them threatening to take legal action if I did not pay them. I never gave them any of my points of contact.

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 2025-05-22 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment notations reported on my open credit card account. The reporting of these late payments may violate both consumer protection laws and contract law principles, as well as potentially the Fair Debt Collection Practices Act ( FDCPA ), for the following reasons : 1. Violation of Fair and Accurate Credit Reporting ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate and complete. If an account is reported as open but is simultaneously marked with late payments in a manner inconsistent with the contractual terms ( for example, during an active forbearance, deferment, or dispute ), that would constitute inaccurate reporting.

2. Contract Law Performance and Notice Obligations : Under basic contract law, a creditor and borrower must both adhere to the agreed-upon terms. If the creditor did not properly notify the borrower of missed payments, failed to apply grace periods, or accepted payments without notifying of default status, then reporting late payments violates the duty of good faith and fair dealing. An open account implies ongoing activity and rights and unless default or delinquency has been legally declared and communicated, negative reporting may not be contractually justified.

3. FDCPA Unfair or Deceptive Practices ( if third-party collection is involved ) : If a third-party debt collector is involved in reporting or collecting, under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to report or threaten to report false or misleading credit information. Mischaracterizing a current open account as delinquent without proper basis or verification could constitute an unfair practice, as defined in 15 U.S. Code 1692e.

4. Consumer Harm and Injury : Improperly reporting late payments on an open account causes undue damage to the consumers credit profile, impairs their ability to obtain credit, and may lead to financial injury a direct violation of the protections intended under both FCRA and FDCPA.

Request for Action : I respectfully request that Experian investigate this matter, remove any inaccurately reported late payments, and provide written confirmation of this correction. Please consider this a formal dispute under the FCRA, and treat it with the urgency required by federal law. 

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 2025-05-22 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment notations reported on my open credit card account. The reporting of these late payments may violate both consumer protection laws and contract law principles, as well as potentially the Fair Debt Collection Practices Act ( FDCPA ), for the following reasons : 1. Violation of Fair and Accurate Credit Reporting ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate and complete. If an account is reported as open but is simultaneously marked with late payments in a manner inconsistent with the contractual terms ( for example, during an active forbearance, deferment, or dispute ), that would constitute inaccurate reporting.

2. Contract Law Performance and Notice Obligations : Under basic contract law, a creditor and borrower must both adhere to the agreed-upon terms. If the creditor did not properly notify the borrower of missed payments, failed to apply grace periods, or accepted payments without notifying of default status, then reporting late payments violates the duty of good faith and fair dealing. An open account implies ongoing activity and rights and unless default or delinquency has been legally declared and communicated, negative reporting may not be contractually justified.

3. FDCPA Unfair or Deceptive Practices ( if third-party collection is involved ) : If a third-party debt collector is involved in reporting or collecting, under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to report or threaten to report false or misleading credit information. Mischaracterizing a current open account as delinquent without proper basis or verification could constitute an unfair practice, as defined in 15 U.S. Code 1692e.

4. Consumer Harm and Injury : Improperly reporting late payments on an open account causes undue damage to the consumers credit profile, impairs their ability to obtain credit, and may lead to financial injury a direct violation of the protections intended under both FCRA and FDCPA.

Request for Action : I respectfully request that Experian investigate this matter, remove any inaccurately reported late payments, and provide written confirmation of this correction. Please consider this a formal dispute under the FCRA, and treat it with the urgency required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against Experian due to their ongoing failure to address my disputes and ensure accurate reporting of a XXXX  XXXX bankruptcy on my credit report, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I previously mailed a dispute letter to Experian on XX/XX/year>, requesting the removal of the bankruptcy ( Public Record - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ), but Experian failed to resolve the issue. On XX/XX/year>, I am mailing another dispute letter to Experian, demanding the removal of this inaccurate bankruptcy with the following discrepancies : Experian lists the court name as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, which is unrecognizable, while XXXX reports it as MICHIGAN XXXX XXXX XXXX XXXX ; XXXX reports the case number as XXXX, but official court records ( XXXX  ) show it as XXXX ; Experian reports the liability amount as UNKNOWN ; XXXX XXXX the joint filer as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX whereas XXXX reports only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX while XXXX  lists XXXX XXXX and XXXX incorrectly states Petitioner Represented By Attorney : No, despite XXXX  confirming representation by XXXX XXXX XXXX XXXX XXXX failure to correct these inaccuracies, despite my prior disputes, continues to cause me significant harm by misrepresenting my creditworthiness and affecting my ability to apply for credit, violating FCRA Sections 1681e ( b ) and 1681i ( a ).

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 2025-05-22 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: TX

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 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 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 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 2025-05-22 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: OH

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
Im experiencing a gross egregious injustice. XXXX XXXX XXXX allowed their employees to harass and prohibit me from making my on time monthly payment on the XXXX XXXX XXXXXXXX I purchased with the defected fuel pump. In addition, XXXX attorney XXXX contacted me, and instructed me never to contact XXXX, and he did not expect payments. I requested a XXXX XXXX supervisor two weeks prior to my due date, and the supervisors refused my calls, and according to staff I would receive a call from the supervisor 48 hours later, but I never did. The supervisors intentionally ignored my calls, and called back exactly one day later two months in a row ; after aggressive harassing, and impeding my on time payment twice. Surly, this intentional and manipulative behavior impacted my credit with all three credit bureaus. Surly, XXXX XXXX XXXX deliberately intended to sabotage my credit ; which is why they were conveniently available to except payment on the 31st day two months in a row. Not to mention, prior to this egregious manipulation, by XXXX XXXX I had PERFECT credit with XXXX XXXX, because the XXXX  was not the first vehicle I financed with XXXX. Clearly, I was never one day late before, they decided to retaliate against me for contacting my Maryland attorney generals office for selling me a defected fuel pump. Finally, I need your assistance removing the two late payments from all three credit reports already. 

Thanks, 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