vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: TN

Complaint narrative:
I had a personal loan with Personify Financial. In XX/XX/year>, they sent me a settlement offer and advised to reply to their email offer to accept. The current balance was {$4600.00}, but the Reduced Payoff Arrangement they offered on XX/XX/XXXX was {$1800.00}. On XX/XX/XXXX and XXXX, I replied stating t

hat I was interested in the settlement and asked for more information. I received an auto-reply that they would respond within 12 business days, but I never received any follow-up. Instead, without further communication, they charged off the account just four days later on XX/XX/XXXX and sold the debt to XXXX XXXX, XXXX. I was never given the opportunity to settle or resume payment, despite my clear attempt to engage. This lack of response prevented me from resolving the account and now it has negatively impacted my credit.

Im requesting that Personify acknowledge this failure and confirm my attempts were noted. If possible, I would like them to retract or amend the charge-off reporting and document that I attempted to settle in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Rent Recovery Solutions
State: ND

Complaint narrative:
Information was leaked in the XXXX data breach Rent recovery solutions XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This filing a complaint is a formal request for the removal of one or more unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ), a credit reporting agency may only furnish a consumer report to a party that has a permissible purpose as defined by the FCRA. I did not authorize or initiate a credit transaction with the companies listed below, nor did I provide written or verbal consent for these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this letter with great concern and distress regarding the inaccurate and damaging information currently being reported on my credit report. These negative entries are not only affecting my credit standing, but they are also having a serious and harmful impact on my everyday life and overall financial well-being.

Due to the nature of these items, I have been unable to get approved for basic lines of credit, including credit cards, housing opportunities, and essential financial tools that most people rely on to maintain a normal life. This situation has placed a tremendous emotional and financial burden on me, making it extremely difficult to support myself and my family.

I am requesting that you conduct a thorough investigation into the items in question, as I believe they are either inaccurate, outdated, or do not reflect the full context of the account history. The continued reporting of this information is unjustly limiting my ability to rebuild my financial life, obtain stable housing, and live a life free from unnecessary hardship.

I respectfully ask that this matter be handled with urgency and compassion, and that the questionable information be removed or corrected to reflect a more accurate and fair depiction of my creditworthiness. I am more than willing to provide any supporting documentation needed to assist with this process.

Thank you for your time and attention to this matter. I sincerely hope for a resolution that will allow me to move forward with dignity and financial stability. 

Sincerely, XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing this letter with great concern and distress regarding the inaccurate and damaging information currently being reported on my credit report. These negative entries are not only affecting my credit standing, but they are also having a serious and harmful impact on my everyday life and overall financial well-being.

Due to the nature of these items, I have been unable to get approved for basic lines of credit, including credit cards, housing opportunities, and essential financial tools that most people rely on to maintain a normal life. This situation has placed a tremendous emotional and financial burden on me, making it extremely difficult to support myself and my family.

I am requesting that you conduct a thorough investigation into the items in question, as I believe they are either inaccurate, outdated, or do not reflect the full context of the account history. The continued reporting of this information is unjustly limiting my ability to rebuild my financial life, obtain stable housing, and live a life free from unnecessary hardship.

I respectfully ask that this matter be handled with urgency and compassion, and that the questionable information be removed or corrected to reflect a more accurate and fair depiction of my creditworthiness. I am more than willing to provide any supporting documentation needed to assist with this process.

Thank you for your time and attention to this matter. I sincerely hope for a resolution that will allow me to move forward with dignity and financial stability. 

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX  there were reversals done to my account.  These reversals were not of my doing. These reversals were done on bills that were paid in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reversals for my credit card bill XXXX XXXX XXXX XXXX  monthly service fee XXXX XXXX XXXX XXXX withdrawal XXXX a no return of a transfer for XXXX  from Goldman and sachs\nNot only did they deduct XXXX and sachs twice, they deducted it two more times on XXXX XXXX XXXX   They also deducted my credit card bill twice again for a credit card bill that had already been paid on XXXX XXXX XXXX XXXX XXXX. For another XXXX XXXX  The bank did not inform me about this activity until after they froze my account.  The bank took all of my money and did not explain to me what was happening. Im a vet and a senior citizen who now has no money to cover my bills.  This practice is unfair.  How can they just take something without doing a through investigation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint to formally dispute a credit Items that appears on my credit report and to demand its immediate removal.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only under specific and permissible purposes. To the best of my knowledge, I did not initiate any transaction, apply for credit, or otherwise provide written permission that would allow your organization to access my credit file. If you believe you had a permissible purpose under 604 ( a ), please provide documentation substantiating that claim, including a signed application or other evidence of consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to formally dispute a credit Items that appears on my credit report and to demand its immediate removal.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only under specific and permissible purposes. To the best of my knowledge, I did not initiate any transaction, apply for credit, or otherwise provide written permission that would allow your organization to access my credit file. If you believe you had a permissible purpose under 604 ( a ), please provide documentation substantiating that claim, including a signed application or other evidence of consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX  / Equifax Subject : Request for Removal of Inaccurate Address Information To Whom It XXXX Concern, I am writing to formally dispute and request the removal of an outdated and inaccurate address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This address is no longer associate with me and should not be part of my current credit profile. Please update your records to reflect my correct and current address : XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, GA XXXX For verification purposes, I have enclosed a copy of my government-issued ID and a utility bill ( or bank statement, lease, etc. ) showing my current address. 

Please investigate this matter and update my credit file accordingly. I would appreciate written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Repossession Due to Identity Theft Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report, which I believe is a result of identity theft and contains inaccurate and misleading information : Creditor Account Number : XXXX Account Type : Joint Auto Lease ( Installment ) Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Status : Closed Charge-Off Balance Owed : {$0.00} Payment Status : Current Term Length : 48 Months Remarks : Involuntary Repossession / Obligation Satisfied Account Rating : Repossession Redeemed Verified On : XX/XX/XXXX This account reflects contradictory and inaccurate data, including : {$0.00} balance with a Charge-Off remark, Current payment status with no delinquency history, and Repossession and obligation satisfied reported at the same time.

These inconsistencies are not only confusing but misleading, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all consumer credit information to be complete, accurate, and not misleading in any manner.

Furthermore, I am asserting that I did not authorize or open this account, and it may have been established or manipulated as part of an identity theft event. Under 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), I formally request the following : 1. Immediate investigation and removal of this account from my credit report.

2. Permanent deletion of any reference to a repossession or charge-off, since it can not be verified as accurate, authorized, or legally reportable.

3. A written notice confirming the outcome of your reinvestigation.

This item is damaging to my credit profile and was not opened or consented to by me.

Failure to respond within the required timeframe of 30 days will result in formal complaints being submitted to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals office, and may result in legal action.

Thank you for your immediate attention to this urgent and unlawful reporting matter. I expect a prompt and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OR

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX, XXXX XXXXXXXX & 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After reviewing my credit report, I discovered accounts that i did not recognize or applied for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts. in question, and they are negatively impacting my credit. per section 15 USC 1681 C-2, any fraudulent accounts that i did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

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 2025-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
After reviewing my credit report, I discovered accounts that i did not recognize or applied for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts. in question, and they are negatively impacting my credit. per section 15 USC 1681 C-2, any fraudulent accounts that i did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Unauthorized accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts, and their presence is completely unacceptable. This false reporting misrepresents my financial history and is a serious violation of my credit profile.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a Request for Confirmation and Clarification Regarding Form IRS 109XXXX and Debt Cancellation to XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX ) they did not furnish this information within the 30 days as requested in the letter. 

The debt in question originated from XXXX XXXX and was transferred to XXXX XXXX XXXX. In the last several days, I have continuously received correspondence to my email address and text messages requesting a payment or settlement amounts in the last week. I mailed a Cease and Desist letter on XX/XX/XXXX asking to put an end to all communication and I no longer received correspondence via phone, mail or text from XXXX XXXX. The last email was dated on today, XX/XX/XXXX by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kompato AI Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a Request for Confirmation and Clarification Regarding Form IRS 1099-C and Debt Cancellation to XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX ) they did not furnish this information within the 30 days as requested in the letter. 

The debt in question originated from XXXX XXXX and was transferred to Kompato AI Inc. In the last several days, I have continuously received correspondence to my email address and text messages requesting a payment or settlement amounts in the last week. I mailed a Cease and Desist letter on XX/XX/XXXX asking to put an end to all communication and I no longer received correspondence via phone, mail or text from XXXX XXXX. The last email was dated on today, XX/XX/XXXX by Kompato AI Inc.

Company response to consumer: Closed with non-monetary relief