vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently checked my credit report and found that XXXX XXXX XXXX is reporting a collection account for an unknown service. Given that I've never signed any contract with XXXX XXXX XXXX  I sent them a letter stating that I would like them to investigate the account and remove it from my credit report. This letter was sent on XX/XX/year>. It has been 30 days, and the company has yet to respond to my request, which, by law, per FCRA, they have to. My rights are being violated. 

I filed a complaint with the XXXX. I will attach the letter below

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 2025-07-06 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: GA

Complaint narrative:
To whom it may concern I was reviewing my credit report and noticed that I have been a victim of identity fraud. I have several accounts on my credit report that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
I received a high-interest loan from XXXX XXXX ( XXXX XXXX XXXXXXXX ) for {$2200.00} with an APR of XXXX  %. They claim tribal immunity and are not licensed to lend in XXXX. This loan appears to violate XXXX usury laws and payday lending regulations. I am requesting an investigation into this lenders practices and relief under XXXX  and federal law. This company is debiting {$430.00} from my account bi-monthly with the final payment scheduled for XX/XX/year>. Please stop this madness. I can't pay my car loan or rent because of this insane and corrupt amount of interest.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally follow up on a previous dispute regarding XXXX  unauthorized hard inquiry that remains on my credit report, despite prior requests for its removal. 

I am deeply concerned by your agencys continued failure to resolve this issue. I have clearly stated that this inquiry was made without my knowledge or consent. When will you comply with your responsibilities under the Fair Credit Reporting Act ( FCRA )?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding the above-listed credit accounts, which do not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all XXXX  major credit bureaus ( XXXX XXXX XXXX XXXX ) stating that these accounts are not mine.2. I contacted the companies directly requesting verification and the immediate removal of these inaccurate accounts.To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
When I contacted your office to make a payment on the collection account, I was informed by a representative that upon full payment, the collection would be removed entirely from my credit report. However, it is currently being reported as " paid in full '' rather than being removed. 

I respectfully request that the collection account be deleted from my credit report, as per the information provided to me at the time of payment. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX Bank ( Account # XXXX * * * * ) that is being listed as a charge-off on my credit report. I previously submitted a reinvestigation request to verify this debt, but I never received documentation or validation. Despite the failure to verify, the creditor continues to report this derogatory item every month, which is misleading and violates my rights under the Fair Credit Reporting Act ( XXXX  ). 

This account was closed in XX/XX/XXXX, but is being reported through XX/XX/XXXX with no changes in balance or payment history, indicating re-aging or improper updates. It reflects the same {$520.00} charge-off balance for over XXXX  years, with remarks like PRL ( XXXX ) and CAD ( consumer disputes ), but no proof of validation was ever provided to justify its continued reporting. 

This violates the following FCRA statutes : FCRA XXXX Failure to respond to a reinvestigation request FCRA XXXX ( b ) Failure to report with maximum accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Continued reporting of inaccurate information FCRA XXXX ( a ) ( XXXX ) Improper reporting beyond the XXXX limit

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX Bank ( Account # XXXX * * * * ) that is being listed as a charge-off on my credit report. I previously submitted a reinvestigation request to verify this debt, but I never received documentation or validation. Despite the failure to verify, the creditor continues to report this derogatory item every month, which is misleading and violates my rights under the Fair Credit Reporting Act ( XXXX  ). 

This account was closed in XX/XX/XXXX, but is being reported through XX/XX/XXXX with no changes in balance or payment history, indicating re-aging or improper updates. It reflects the same {$520.00} charge-off balance for over XXXX  years, with remarks like PRL ( XXXX ) and CAD ( consumer disputes ), but no proof of validation was ever provided to justify its continued reporting. 

This violates the following FCRA statutes : FCRA XXXX Failure to respond to a reinvestigation request FCRA XXXX ( b ) Failure to report with maximum accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Continued reporting of inaccurate information FCRA XXXX ( a ) ( XXXX ) Improper reporting beyond the XXXX limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Credit Corp Solutions Inc. for failing to properly validate a debt after two written requests were sent on XX/XX/XXXX and XX/XX/scrub>XXXX XXXX XXXX In response, they only provided credit card billing statements, which do not meet the standard for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). They have not provided any proof of assignment, contract, or itemized breakdown of the alleged debt. Despite this, they continue to pursue collection and may be furnishing this information to the credit bureaus. This violates my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XXXX I ASKED FOR DELETION FOR A BANKRUPTCY XXXX AND CFPB REQUESTED MORE INFORMATION. I SENT THAT IN STATING PER XXXX XXXX IT WAS NOT VERIFIED. SOME TIME LATER I CALLED AND PERSON FROM XXXX TOLD ME HE HAD TO WAIT TO SEE IF THE " OTHERS '' WOULD DO. LONG STORY SHORT IT WAS CLOSED. ON XXXXXX/XX/year> I TRIED AGAIN AND WAS TOLD THE COMPANY SOMETIMES NEED MORE TIME AND I WOULD BE CONTACTED 60 DAYS FROM THE ABOVE DATE. THEN IT CAME BACK THEY NEED MORE TIME. HEARD NOTHING BACK. ON XXXX I WAS TOLD IT WAS PROCESSED AND IN THE MAIL. NEVER RECEIVED IT AND CFPB ENDED UP CLOSING IT. THERE ARE SO MANY PEOPLE GETTING BANKRUPTY OFF IN 3-4 DAYS AND I HAVE PROOF FROM ALMOST 3 YEARS AGO AND IT'S STILL ON. THERE ARE TOO MANY FCRA VIOLATIONS FOR THIS THAT IT'S NOT ENOUGH ROOM TO STATE THEM ALL. I AM DEMANDING THAT IT GETS PERMANENTLY DELETED ASAP OR I WILL RETAIN LEGAL REPRESENATION FOR THE BUREAS AND CFPB.

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 2025-07-06 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:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit reports from both TransUnion and Equifax reflect inquiries that I did not authorize. I require the removal of these hard inquiries, as I have no knowledge of their origin. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX in XXXX XXXX XXXX Case XXXX, the court ruled that only {$2300.00} was validly owed on my Citibank account, not the {$11000.00} balance Citibank originally claimed. That amount has since been paid in full, and there is no remaining balance on the account. 

Despite this, Citibank continues to furnish inaccurate information to XXXX, reporting an {$8900.00} balance and a charge-off. This reporting is false and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

I am requesting that Citibank immediately update its reporting to reflect a {$0.00} balance and remove the charge-off notation. If Citibank can not verify and furnish accurate reporting, the account should be deleted from my credit report entirely to ensure compliance with the FCRA. 

This inaccurate reporting is damaging my credit standing and must be corrected promptly.

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 2025-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Sent my county approved tax deferral letter. They ran escrow analysis with {$0.00} taxes listed which lowered my payment {$400.00}. I called and said this was wrong. Rude customer service guy told me I was wrong, they did it right and now I have received a tax Delinquent notice saying if I don't pay taxes now there will be a tax lien sale

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 2025-07-06 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 requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: SC

Complaint narrative:
My wallet was stolen around the time all this took place someone used my driver 's license and social security number to get an apartment and the apartment complex went ahead and approved it for the theif and they evidently couldn't afford it and it went on my credit and the apartment complex accused me of having the apartment when I submitted a police report and spoke with the complex several times on the phone where the property manager agreed to remove it from my credit and never did I just hired a lawyer to sue Pro Collect inc for harassment

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 2025-07-06 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: Self Financial Inc.
State: NJ

Complaint narrative:
Description of the late payment reported by SELF FINANCIAL INC / LEA On my credit reports from Equifax, Experian, and TransUnion, there is an entry marking a late payment for my account with SELF FINANCIAL INC / LEA, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, SELF FINANCIAL INC / LEA is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.

This incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure SELF FINANCIAL INC / LEA 's compliance with federal consumer protection law.

Company response to consumer: Closed with explanation