vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In 2020, I obtained an auto loan through Navy Federal Credit Union. I later experienced problems with the car, and Navy Federal agreed to process a change of collateral for a different vehicle. Navy Federal sent me a letter and the title for the original car and transferred the loan to a new vehicle through a dealership. The dealership failed to secure the replacement vehicle, and I never took possession of any new car. 

I notified Navy Federal immediately. They advised I could select a different vehicle, but the dealership stopped responding and never provided one.

Despite this, Navy Federal has continued to report a balance and charged-off account for a vehicle I never received or owned. Navy Federal acknowledges that the car is currently registered to another individual in a different state but claims they are unsure how to resolve the issue. 

This inaccurate reporting has severely damaged my credit, causing denials for financial services and credit applications.

I am requesting that Navy Federal delete this invalid account information from all credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management ( Account XXXX XXXXXXXX XXXX  for a XXXX XXXX account in the amount of {$780.00}. 

Midland and XXXX XXXX provided letters and statements, but these do not satisfy validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). No signed contract or full itemized breakdown was included.

Despite my dispute, the debt continues to be reported to XXXX which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that this item be removed or corrected. Ive attached a letter and supporting documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am formally disputing the inaccurate, unverifiable, and unsubstantiated information listed in my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and Metro 2 reporting standards, you are legally obligated to report complete, accurate, and verifiable information only.

The inclusion of false and unsupported information represents willful non-compliance with federal law and Metro 2 data integrity standards. I demand full adherence to all applicable requirements. You must either furnish complete physical evidence verifying the accuracy, ownership, and permissible reporting of these accounts OR DELETE the accounts immediately. 

Listed below are the Personal Information items being disputed : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are hereby notified that failure to comply may result in legal action being pursued through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney General, and private legal remedies including statutory damages under 15 U.S.C. 1681n for willful non-compliance. 

I demand that you : Provide physical, verifiable documentation for each listed account. 

Remove any unverifiable, inaccurate, or unauthorized reporting. 

Send me a full updated copy of my corrected credit report. 

This is your legal obligation. My patience is exhausted. I expect full resolution within the statutory 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: DE

Complaint narrative:
I dispute the {$5600.00} charge-off on my XXXX XXXX XXXX report XXXX Report # XXXX ). The XX/XX/year> reinvestigation didnt reflect the set-aside default judgment in Case # XXXX, where I filed a counterclaim on XX/XX/year>, for FDCPA/FCRA/TDCA violations due to Galaxy International Purchasing ( GIP ) s failure to validate the debt despite my XX/XX/year>, certified mail request ( tracking # [ insert from receipt ] ). XXXX responded on XX/XX/year>, but provided no adequate validation ( e.g., no contract or payment history ). The account shows a {$0.00} balance, and I request correction or removal pending the XX/XX/year>, trial. I previously disputed this with all bureaus on XX/XX/year>, with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I requested documentation proving the accuracy of the late payments on my XXXX account. They responded with a generic notice and failed to provide a method of verification or any documentation bearing my signature, as required under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent account into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent business loan by XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXXXXXX ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent business account from my personal credit report because I have no knowledge about this account. It is a fraudulent account.

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 2025-06-24 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-06-24 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Dispute of Credit Reporting under 15 USC 1692g Request for Validation of Debt Dear Credit Reporting Agencies / Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the accuracy and validity of a credit card collection account appearing on my credit report. The account in question has been placed with a third-party debt collector, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and under the Fair Credit Reporting Act ( FCRA ). 
Account Details ( as listed on my report ) : Creditor : XXXX XXXX XXXX XXXX : TRANSWORLD SYSTEM INC/ Date Opened/Reported : XX/XX/2024 Phone number : ( XXXX ) XXXX Under 15 U.S.C. 1692g, I hereby request that you verify and validate this debt by sending : Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ). I do not acknowledge ownership of this account, nor do I concede to the accuracy of any details associated with it. Until the debt collector furnishes proper validation of the debt including the Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ) I am requesting the removal or suppression of this account from my credit file with your bureau.

Additionally, under the Fair Credit Reporting Act, I request that a full reinvestigation be conducted under 15 U.S.C. 1681i, and that all supporting documentation related to the reporting of this account be provided to me in writing.

If the account can not be verified within the required timeframe ( 30 days from receipt of this letter ), I request that the account be removed immediately from my credit report as unverified, as required by federal law. 
Please mail me confirmation of the results of your reinvestigation, as well as a copy of my updated credit report reflecting any changes. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several debts that have been inaccurately reported on my credit report. These debts are either not mine, were never authorized, or were reported in error by third-party collection agencies. I am requesting a full investigation and correction. 
XXXX XXXX {$1100.00} as I was notified and didn't receive a final bill. however, this is also an old account and should be written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
Received bills from XXXXXXXX XXXX XXXX at my parents old address with a balance of XXXX. I called to advise I have never opened an account with them and this was fraud. They said the billing was being sent to an address in XXXX and I've never even been to XXXX Address was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They said they had a XXXX account listed by my name to open this account. They had no other information to proof of this account.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I prepaid a car rental through XXXX XXXX XXXX in XX/XX/year> for {$410.00}. When I arrived at the XXXX XXXX XXXX affiliate XXXX in XXXX on XX/XX/year>. I was told I had to leave a refundable deposit of XXXX XXXX ( ~ {$2400.00} ) in case my credit card coverage didnt cover damage. I specifically declined all additional insurance, relying on my Chase Sapphire Reserve XXXX XXXX XXXX ( XXXX ). 

The XXXX XXXX XXXX and XXXX agent verbally assured me that this was only a deposit, not a charge, and would be refunded if no damage occurred. The car was returned in perfect condition on XX/XX/year>. However, I later found that the amount was charged and kept as a nonrefundable Third Party Liability ( TPL ) insurance fee at XXXX XXXX/day, which I never knowingly authorized. 

XXXX XXXX XXXXXXXX rental policy, published at XXXX XXXX XXXX makes no mention of any mandatory TPL fee or XXXX XXXX charge. This charge was not disclosed, not explained honestly, and not accepted knowingly. I consider it a misrepresented and deceptive charge, not a service I agreed to. 

I filed a dispute with Chase, who initially issued a temporary credit. After multiple reviews, Chase denied the disputenot because they disagreed with my complaint, but because the charge was technically authorized ( I was present and signed ). Their denial letter even acknowledged that I may have a valid issue with the merchant. 

The merchant also sent me an email threatening a XXXX penalty if I pursued a credit card disputean aggressive and coercive tactic clearly intended to silence complaints. 

I am seeking a refund of the XXXX XXXX charge and would like this deceptive business practice formally reviewed.

Company response to consumer: Closed with explanation