vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i do not owe this company any debt, i ask for chain of title debt validation, over XXXX  days ago no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am trying to rent a home/apartment and Im seeing damages on my report due to the 15 U.S.C 1681 their should not be any damages on my report and it is a defamation of my character! These accounts have been reposted on my credit report after the 7 year allotment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 am writing to formally demand the immediate deletion of fraudulent and erroneous information on my credit report in accordance with XXXX  U.S.C. XXXX. This is a serious matter, and I expect prompt action on your part. I have already filed a Police Report and an FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which I have included as evidence supporting my claim of identity theft. As outlined in XXXX  U.S.C. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally obligated to block any information flagged by the consumer as the result of identity theft within XXXX  business days. The following accounts were opened without my consent and are entirely fraudulent. These must be blocked immediately : XXXX XXXX XXXX  Account ( Account Number : XXXX ) XXXX XXXX  Account ( Account Number : XXXX ) These fraudulent accounts have led to the appearance of additional erroneous items on my credit report. I have attached a detailed list of these fraudulent accounts, along with a copy of my XXXX  credit report maintained by your agency, which shows these incorrect entries. Let me be clear : I do not recognize the accounts or collections listed on my report, nor did I authorize or initiate any of them. All of the accounts and collections mentioned above are the direct result of identity theft and fraud. I have already filed a criminal complaint with the FTC ( FTC Identity Theft Criminal Complaint # XXXX ), and I expect you to take immediate

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 2025-07-26 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple late payments ( XXXX, XXXX, XXXX, and 120 days ) were reported on my XXXX  XXXX account ( XXXX * * * * ) by Experian and XXXX XXXX XXXX reflects mostly OK or significantly fewer delinquencies. 

This account was marked as in dispute, and that dispute was reported as resolved across all three credit bureaus. However, the derogatory marks were not corrected, and no documentation was ever provided by the furnisher to justify these delinquencies. 

I maintain that these late payments are inaccurate. I never received notice of delinquency, and I had previously submitted a dispute which was closed without proper verification. Continuing to report these negative marks without valid proof constitutes a violation of the Fair Credit Reporting Act, specifically : 1681i requiring credit bureaus to remove unverifiable or inaccurate data.

1681s-2 ( b ) obligating furnishers to investigate and correct errors upon notification. 

I am requesting that these late payments be immediately deleted or corrected, and that I be provided with a written confirmation of the correction. If this is not resolved promptly, I will pursue legal remedies under FCRA 1681n and 1681o for willful or negligent noncompliance.

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 2025-07-26 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX/XXXX Date of Inquiry XXXX/XXXX/2025XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XXXX/XXXX/2025XXXX XXXX Date of Inquiry XX/XX/scrub>/2025, XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XX/XX/year>2025,

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 2025-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This repossession from XXXX XXXX  occurred in XXXX of XXXX and they have it on my account like it just occurred XXXX of XXXX I had had that vehicle for 54 of the 57 months of the long-term I never got a any type of correspondence about the repossession or the sale of the car I never even received a deficiency balance notice letter I just looked up and it was on my credit report saying that I still owe {$10000.00} with the exact amount that I paid for the car and that I owed XXXX before the auction after the auction they sold the car for {$5500.00} which means that my balance was only like {$2100.00} everything that they put on my credit report is false and they know that XXXX XXXX also have on my credit report that I was late in XXXX and XXXX of XXXX with the payment and they repoed my car in XXXX of XXXX, these credit reporting agencies has violated every law according to repossessions of under the FCRA code 15 US code 1681 ( 2 ) 2 and I want it investigated and I want it taken off of all three of my credit reporting agencies Experian TransUnion and Equifax this is against the law I'm not sure what this fund is that you all have that you pay consumers out of but I need this removed off my credit report it has stopped me from getting a car because they have it looking like I it just happened in XXXX of XXXX I'm trying to get on with my life I just got over homelessness I've been XXXX  as a XXXX  for 2 years and I need a reliable car so that I can go back to work and this account is stopping me from achieving that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> To Whom It May Concern : Subject : Formal Dispute and Demand for Immediate Action Under the Fair Credit Reporting Act ( FCRA ) This letter serves as a formal notice that I am disputing serious inaccuracies and a compromise of my personal identification that you, [ XXXXTransUnion ] XXXX have negligently allowed to occur in violation of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

XXXX- " I am disputing, all accounts, and inquires ''. XXXX  also needed to unblock my credit profile. 

You have a legal obligation to ensure the maximum possible accuracy of the information you report. Your failure to do so has directly jeopardized my financial well-being and exposed me to potential fraud, reputational damage, and unlawful surveillance of my credit profile. 

I am demanding the following actions immediately : A complete investigation into the breach and compromise of my identification and any unauthorized access or usage of my credit file, and I did not give any authority for any creditor to report anything on my credit file. I also want to know how these accounts were verified and provide me with all documents to support. This included Evictions, XXXX, Collections, and Inquires " XXXX  is to unblock my account '' I have no access to my score. 

Update my address as requested to XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 


A detailed report outlining what personal information may have been accessed or disclosed, and by whom. 

Written confirmation of the actions youve taken to secure and correct my file in compliance with the FCRA. 

You are on legal notice. Failure to respond within XXXX  days as required by federal law will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to seek legal representation and pursue civil action if necessary. 

I expect full accountability, transparency, and compliance with federal law. You are not above the law, and I will not tolerate further negligence on your part.

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 2025-07-26 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian : XXXX / XXXXXXXX XXXX XXXX XXXX XXXX Equifax : XXXX / XXXX XXXXXXXX XXXX XXXX XXXX  TransUnion : XXXX / XXXX XXXXXXXX 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 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NV

Complaint narrative:
Unverifiable debt ; demand for strict proof of debt 's validity, including original contract/agreement, detailed ledger from original creditor, and irrefutable proof of legal authorization to collect. debt approaching XXXX  year compliance limit requesting debt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Possible Financial Inc
State: CA

Complaint narrative:
Ive been trying to rent an apartment and the old existing inquiries and credit accounts have defiled my character I have other accounts that are in good standing XXXX but my score has suffered due to the 15 U.S.C 1681 ( deformation of character act )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am writing to formally report unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I believe they may be a violation of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit information is accessed and used. 
Upon reviewing my credit reports from the major credit bureaus ( XXXX, XXXX, and XXXX  ), I noticed the following inquiries that I did not authorize : Company Name XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau XXXX XXXX  ] XXXX have no relationship with these entities and have not applied for any credit, loans, or services that would justify these inquiries. As such, I am requesting that the FTC investigate this matter, and assist with ensuring that my consumer rights under the FCRA are upheld. 
Additionally, I have contacted the credit bureaus and the companies responsible for the inquiries to request removal, and have enclosed copies of those correspondences along with my credit report highlighting the disputed items. 
I would appreciate any guidance or assistance your office can provide in helping me resolve this issue and prevent any further unauthorized access to my credit file. Please let me know if you require any additional information or documentation to proceed with this matter. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> To Whom It May Concern : Subject : Formal Dispute and Demand for Immediate Action Under the Fair Credit Reporting Act ( FCRA ) This letter serves as a formal notice that I am disputing serious inaccuracies and a compromise of my personal identification that you, [ Experian/XXXX  ] , have negligently allowed to occur in violation of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

XXXX " I am disputing, all accounts, and inquires ''. XXXX  also needed to unblock my credit profile. 

You have a legal obligation to ensure the maximum possible accuracy of the information you report. Your failure to do so has directly jeopardized my financial well-being and exposed me to potential fraud, reputational damage, and unlawful surveillance of my credit profile. 

I am demanding the following actions immediately : A complete investigation into the breach and compromise of my identification and any unauthorized access or usage of my credit file, and I did not give any authority for any creditor to report anything on my credit file. I also want to know how these accounts were verified and provide me with all documents to support. This included Evictions, Bankruptcies, Collections, and Inquires " XXXX  is to unblock my account '' I have no access to my score. 

Update my address as requested to XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 


A detailed report outlining what personal information may have been accessed or disclosed, and by whom. 

Written confirmation of the actions youve taken to secure and correct my file in compliance with the FCRA. 

You are on legal notice. Failure to respond within 30 days as required by federal law will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to seek legal representation and pursue civil action if necessary. 

I expect full accountability, transparency, and compliance with federal law. You are not above the law, and I will not tolerate further negligence on your part.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: SC

Complaint narrative:
Date : XX/XX/XXXX Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX SC, XXXX Your XXXX  Report Number : XXXX DISCOVER CARD XXXX  XXXX XXXX XXXX XXXX, TX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Inaccurate Information on My Credit Report - Account Number : XXXX To Whom It May Concern : I am writing to dispute information on my XXXX  credit report ( Report Number : XXXX, generated on XX/XX/XXXX ). The following account is reporting inaccurate payment history information : Account Name : DISCOVER CARD Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Disputed Information : The payment history shows 90, 60, and 30 days past due for XXXX, XXXX, and XX/XX/XXXX, respectively. This information is inaccurate and negatively impacts my credit report. 
I request that you investigate this matter thoroughly and remove the inaccurate past due remarks from my credit report. I have attached a copy of my credit report with the disputed item highlighted.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Accuracy of Report ), you are required to conduct a reasonable reinvestigation of this disputed information. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), you must correct or delete any inaccurate, incomplete, or unverifiable information found during your investigation. Please provide me with the results of your investigation and an updated copy of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debois, Inc.
State: OH

Complaint narrative:
I got the vehicle from DBS Financial around XX/XX/XXXX. Within weeks, the transmission failed. Certified diagnostics confirmed fuse failure, and the vehicle was inoperable for over 8 months. I contacted DBS multiple times and requested a voluntary surrender. They refused and continued to charge me for a nonfunctional car. 

They later reported it as repossessed, despite it never being drivable and my documented efforts to return it. Their actions severely damaged my credit. 

This violates : FROM XXXX CAR WAS NON-DRIVABLE DUE TO TRANMISSION CODE XXXX, XXXX XXXX CODE XXXX TRANSMISSION FLUID PRESSURE XXXX XXXX XXXX LOW VOLTAGE CODE XXXX TRANSMISSION FLUID PRESSURE SWITCH XXXX CIRCUIT LOW VOLTAGE ( REPORT NUMBER XXXX, STORE # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXE # XXXX { ( XXXX ) XXXX } XXXX VEHICLE FOUND XXXX, XXXX HEAR CLICKING IN DASH SO THE DAY THEY LEASED THE CAR THE DAY IT WAS NOT WORKING. PLEASE PROVIDE ACCURATE INFORMATION STATING THE VEHICLE WAS DRIVABLE. FROM PURCHASE DATE UNTIL PAYMENTS STOPS FCRA 602 ( A ) Right to fair and accurate credit reporting FCRA 607 ( b ) Duty to report information with maximum accuracy FCRA 611 ( a ) Failure to properly reinvestigate after dispute FCRA 623 ( a ) ( 1 ) ( A ) Knowingly furnishing false or misleading data I was misled, overcharged, and misrepresented. I request full removal or correction of this item and deletion of all inaccurate data under law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I checked my recent copy of my report and noticed a lot of fraudulent accounts, that do not belong to me.

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 2025-07-26 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: MS

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