vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
In 2020, I paid off a collection account with XXXX XXXX ( the original creditor was XXXX ). The account was originally opened in XX/XX/year>2020 and was fully resolved shortly after. The balance has been {$0.00} since at least XX/XX/year>2020, and I have not owed anything since. Despite this, the account is still being inaccurately and inconsistently reported by the three credit bureaus : TransUnion lists the account as Paid with a Payment Status of Collection/Chargeoff as of XX/XX/year>. The comments state Paid collection, but keeping the charge-off label despite full payment is misleading and derogatory, especially after 5 years.

Experian also shows Paid but similarly lists Collection/Chargeoff with a last report date of XX/XX/year>. The comment says Account legally paid in full for less than the full balance, which is inaccurate I paid the full balance owed.

Equifax does not report any information about this account. There is no balance, no account status, no payment status, or comment, which is incomplete and violates FCRA requirements for accuracy and completeness.

This account has now been paid and inactive for over 5 years, and it continues to damage my credit unfairly. It is either being : Misrepresented ( as a chargeoff when it is not ) Inconsistently reported ( different language across bureaus ) Incompletely reported ( Equifax missing all info ) I am requesting that this account be corrected across all bureaus to reflect accurate status as Paid in Full No Derogatory Status, or preferably, removed entirely due to its outdated and harmful reporting.

Under FCRA 607 ( b ) and Metro 2 guidelines, reporting a {$0.00} balance account as Collection/Chargeoff is not accurate or reflective of the current account status. This is also potentially misleading under FCRA 602 ( a ). I request that the reporting be updated to reflect the correct payment status, or the account be removed if compliance can not be guaranteed.

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 2025-05-31 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: LA

Complaint narrative:
In 2020, I paid off a collection account with XXXX XXXX ( the original creditor was XXXX ). The account was originally opened in XX/XX/year>2020 and was fully resolved shortly after. The balance has been {$0.00} since at least XX/XX/year>2020, and I have not owed anything since. Despite this, the account is still being inaccurately and inconsistently reported by the three credit bureaus : TransUnion lists the account as Paid with a Payment Status of Collection/Chargeoff as of XX/XX/year>. The comments state Paid collection, but keeping the charge-off label despite full payment is misleading and derogatory, especially after 5 years.

Experian also shows Paid but similarly lists Collection/Chargeoff with a last report date of XX/XX/year>. The comment says Account legally paid in full for less than the full balance, which is inaccurate I paid the full balance owed.

Equifax does not report any information about this account. There is no balance, no account status, no payment status, or comment, which is incomplete and violates FCRA requirements for accuracy and completeness.

This account has now been paid and inactive for over 5 years, and it continues to damage my credit unfairly. It is either being : Misrepresented ( as a chargeoff when it is not ) Inconsistently reported ( different language across bureaus ) Incompletely reported ( Equifax missing all info ) I am requesting that this account be corrected across all bureaus to reflect accurate status as Paid in Full No Derogatory Status, or preferably, removed entirely due to its outdated and harmful reporting.

Under FCRA 607 ( b ) and Metro 2 guidelines, reporting a {$0.00} balance account as Collection/Chargeoff is not accurate or reflective of the current account status. This is also potentially misleading under FCRA 602 ( a ). I request that the reporting be updated to reflect the correct payment status, or the account be removed if compliance can not be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  To : Equifax TransUnion Experian Subject : Formal Dispute, Demand for Deletion, and Notice of Legal Liability Identity Theft FTC Report # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of multiple hard inquiries and collection accounts listed on my credit reports, which are the result of identity theft. These accounts were fraudulently opened and inquiries initiated without my knowledge or consent, as outlined in my Federal Trade Commission Identity Theft Report # XXXX. 

Fraudulent Accounts and Inquiries : Hard Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries violate my consumer rights under : 15 U.S.C. 1681b No consumer report shall be obtained for purposes not authorized by the consumer.

15 U.S.C. 1681e ( b ) Requires reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) You must reinvestigate and remove or correct inaccurate information within 30 days. 
15 U.S.C. 1681c-2 / 605B Requires the blocking of information resulting from identity theft.

15 U.S.C. 1692g & 1692e Debt collectors are prohibited from continuing collection without proper validation and from misrepresenting debts.

Furthermore, under the Doctrine of Estoppel by Silence ( Engelhardt v. Gravens, Mo. 281 SW 715, 719 ), your failure to properly validate or respond can be seen as an admission that no legitimate claim exists. You are now on official notice. 

Demand : 1. Immediately delete the above-listed fraudulent inquiries and accounts from all three credit bureaus ( Equifax, TransUnion, Experian ).

2. Confirm deletion in writing within 30 days of receipt of this letter.

3. Be advised that continued reporting of these fraudulent entries constitutes willful noncompliance, and I reserve the right to pursue monetary compensation for damages under 15 U.S.C. 1681n and 1681o, including {$1000.00} per violation plus punitive damages.

Preserving Rights Under UCC 1-308 Without prejudice and under UCC 1-308 , I reserve all rights to pursue further legal action and remedies if this matter is not resolved promptly and lawfully. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-05-31 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries were made on XX/XX/XXXX, XX/XX/XXXX by companies that I have not had any contact or initiated any credit applications with. I did not give my consent for these credit checks. As a result, my credit score has been negatively impacted. I am concerned these may be fraudulent or unauthorized actions taken without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries were made on XX/XX/XXXX, XX/XX/XXXX by companies that I have not had any contact or initiated any credit applications with. I did not give my consent for these credit checks. As a result, my credit score has been negatively impacted. I am concerned these may be fraudulent or unauthorized actions taken without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-31 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: TX

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 2025-05-31 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items, as it is incorrect and does not reflect my true credit history.

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 2025-05-31 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding their attempts to collect a debt in the amount of {$620.00}, associated with account number XXXX. Despite my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Midland Credit Management has failed to provide any legitimate proof that the debt is mine, or that they have the legal right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union regarding an unauthorized and undisclosed withdrawal from my checking account on XX/XX/ XXXX which resulted in the loss of my entire paycheck. 

The withdrawn funds were applied toward a credit card account that was XXXX days past due. I did not authorize this transaction, nor was I given any prior notice that such an action would occur. The amount withdrawn represented my entire paycheck, which had been deposited to cover critical living expenses, including rent. 

I am XXXX and XXXX XXXX to supplement my income. The paycheck Navy Federal withdrew without warning was essential for maintaining my housing and daily necessities. This action has left me financially vulnerable and unable to meet essential obligations. 

Upon contacting Navy Federal for an explanation, I was informed that this withdrawal was made in accordance with their internal policy, which allegedly permits the XXXX XXXX to withdraw available funds from my checking account without notice if I have a delinquent credit card. When I requested a copy or reference to this policy, I was told it was " included in the credit card agreement. '' However, no specific documentation was provided, and I was denied both a refund and additional information. 

Furthermore, the terms and conditions referenced were neither clearly explained nor presented at the time of account opening or credit card issuance. Unclear terms and conditions were not provided regarding Navy Federals ability to draft funds without my knowledge or consent. At no point was it made transparent that such an aggressive and impactful action could be taken, especially without prior communication. 

It is deeply concerning that Navy Federal would unilaterally withdraw an entire paycheck without notifying the account holder or providing a clear reference to the policy being enforced. This lack of transparency, disregard for consumer well-being, and refusal to provide proper documentation is unacceptable and, I believe, warrants immediate regulatory review. 

Please let me know if you require any further documentation to support this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I received a whole packet of statements pertaining to what they believe is myself. I asked for the original agreement with my identity as Ive been a victim of identity theft I have not received anything only statements that does not identify myself as your original account holder. They have my legal name wrong. My legal name is XXXX XXXX XXXX. This is an error and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
In XXXX, I entered into a loan agreement with Gateway First Bank involving a manufactured home. Gateway recorded a Deed of Trust that failed to convert the home to real property as required by Texas law. The Statement of Ownership was defective, listing the wrong home and location. As a result, the lien never lawfully attached to the land. Despite this, Gateway and later XXXX XXXX XXXXXXXX pursued foreclosure based on that defective lien. 
I discovered these errors in XXXX. In XX/XX/XXXX, I filed a XXXX XXXX action in XXXX XXXX XXXX to clear title to the property located at XXXX Big XXXX XXXX, XXXX XXXX, Texas. Between XX/XX/XXXX and XX/XX/XXXX, I sent over XXXX formal cease-and-desist notices and multiple qualified written requests to both Gateway and XXXX. These were sent by certified mail and cited controlling law. Neither party validated the debt or corrected the record. 
Instead, they escalated their efforts. In XX/XX/XXXX, XXXX issued a Notice of Acceleration, XXXX XXXX Notice, and a Foreclosure Transfer Letterdespite having no lawful basis and being on notice of active litigation and a recorded XXXX XXXX. 
Key events : XX/XX/XXXX and XX/XX/XXXX Cease-and-desist notices sent XX/XX/XXXX Response from Gateway failed to address legal violations XXXX Further validation requests sent ; foreclosure threats continued XX/XX/XXXX XXXX acknowledged my inquiry but offered no lawful XXXX XX/XX/XXXX I filed a Verified Application for Temporary Restraining Order Their conduct violates the XXXX XXXX XXXX and XXXX XXXX. It has caused significant harm : emotional distress, legal expenses, credit damage, and interference with my rights as a XXXX XXXX  and trustee of a family trust. 
I am submitting this complaint along with my Amended Petition to Quiet Title, XXXX, and supporting exhibits, which document the timeline and misconduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I am filing a formal complaint regarding the inaccurate and misleading reporting of a joint auto loan account with XXXX XXXX XXXX XXXX, which appears on my credit reports with Experian, TransUnion, and Equifax. 

In XX/XX/XXXX, I assisted a family member by cosigning a vehicle loan through XXXX XXXX XXXX in XXXX XXXX, NY. I was explicitly told by the dealership that the financing would be handled directly by them, and that I would be removed as a cosigner after six successful payments. I was not informed that XXXX XXXX XXXX XXXX would be the actual lender, nor did I knowingly agree to a long-term joint obligation with this institution. 

This account is now being reported with serious legal and procedural issues across all three credit bureaus, including : 1. Lack of Worst Payment Status Despite Late Payments The account includes multiple late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), yet none of the reports indicate a Worst Payment Status. This violates Metro 2 compliance guidelines, which require consistency between delinquency history and summary fields. 

2. Incomplete and Inconsistent Payment Reporting Experian and TransUnion both show payments made in months where late notations are listed, such as XX/XX/XXXX. This reflects inaccurate tracking of payment activity and may indicate mishandling of payment application. Experian also includes ND ( No Data ) entries and invalid date errors within the reporting history. 

3. Previously Disputed with No Correction The account has already been disputed. Experian specifically notes Account previously in dispute investigation complete, but no corrections were made. Under FCRA 611, credit bureaus must correct or delete inaccurate or unverifiable information following a reinvestigation. 

4. Misrepresentation at the Time of Agreement XXXX XXXX XXXX misrepresented the terms of this arrangement. I was told I would be removed after six payments and was never made aware that XXXX XXXX was the financier. I did not receive a clear explanation of the long-term legal responsibilities of being a joint borrower. 

5. Failure to Meet FCRA Accuracy Standards Due to the above discrepancies and data issues, this account violates FCRA 609 ( right to disclosure ), 611 ( right to dispute and reinvestigation ), and 602 ( A ), which requires consumer information to be reported with maximum possible accuracy. 

Requested Resolution Given the misrepresentation by the dealership, lack of informed consent regarding the lender, and repeated Metro 2 and FCRA violations, I am requesting the permanent deletion of this XXXX XXXX XXXX XXXX account from my credit files with Experian, TransUnion, and Equifax. 

Supporting documentation, including screenshots from all three credit reports, is attached for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
CHECKLIST : -Permissible Purpose authorization revoked ( never provided ) -Police report -FTC report -XXXX XXXXXXXX screenshot balance {$1800.00} from a fruadluent account -Notice of Defualt, Notice of Dishonor and Demand of Immediate Cure I am filing a complaint against XXXX XXXX  for false credit reporting XXXX deceptive billing, and the misclassification of my secured funds as a debt. 

Their XXXX Believe Card was marketed as a secured credit builder account, using my own funds to improve my credit. Despite this, they are reporting a balance of approximately {$1800.00} and are demanding a payment of {$640.00}, acting as though they have extended me credit. I never agreed to or received a loan, credit line, or revolving debt from them. 

I initiated my lawful administrative remedy process and sent notice and demand to XXXXXXXX XXXX at the same time this complaint was submitted. 

Violations : Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Deceptive financial reporting Misrepresentation of account type and obligations

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