vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed are not mine.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete these unauthorized items. Ive attached an FTC Identity Theft Report and a list of the disputed accounts.

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 2025-06-19 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent information from my credit report, as I am a victim of identity theft. Several accounts and inquiries listed are unauthorized and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these fraudulent items. I have attached an FTC Identity Theft Report along with a list of the disputed accounts.

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 2025-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request your assistance in resolving a serious issue involving my credit report. 

Approximately two months ago, my credit score dropped by XXXX points due to a negative entry for a student loan that allegedly dates back over 16 years. This account suddenly appeared on my credit reports, despite having no prior history of it being reported in the past decade. 

The contact number listed for the creditor routes directly to what appears to be a scam operationspecifically, a XXXX XXXX type robocall unrelated to any financial institution. This has raised serious concerns about the legitimacy of the debt and the safety of my personal information. 

I filed disputes with both XXXX  and XXXX. While both agencies marked the dispute as resolved, the inaccurate account remains on my reports and continues to impact my creditworthiness. I have received no documentation verifying the debts authenticity or any reasonable explanation for its sudden appearance. 

Given these facts, I am requesting the CFPB to investigate the matter further. This includes : Verifying the legitimacy of the account. 
Ensuring any unverifiable or fraudulent account is permanently removed from all credit reports. 
Reviewing the process by which the credit bureaus marked the dispute as resolved without proper resolution or documentation. 
Please let me know what documentation you may need from my side to move this complaint forward. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
I received an email from National Recovery Agency, phone number XXXX address XXXX XXXX XXXX, XXXX, PA XXXX, for someone I do not know at all. In this email I was able to see the persons name, address, creditor account number, NRA account number, amount owed, original creditor, etc. I called to let them know that I received this email in error. The customer service person immediately went on the defense. Spoke very rudely to me and told me they would just remove my email. I attempted to get an explanation as to why my email was used and they said maam I dont know, it was just the wrong email. Im removing it very rudely. I asked if I would be able to speak with someone else and they said no because youre speaking with a supervisor. I said I dont know why youre getting an attitude with me when you all violated HIPPA he stated we did not violate HIPPA because your information was not shared I explained that they did because I have this other persons information. He proceeded to yell at me until I hung up. I found this highly unprofessional because not only did I get an email that I should have not received due to violating HIPPA by providing me with someones Personal Identifiable Information ( PII ), but when told of their mistake received poor customer service and was yelled at. I would like something done in this matter and if need be, I can provide the email that I received. Thank you for your time.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
I am writing to formally request the immediate deletion of the debt associated with UACC. It has come to my attention that UACC is inaccurately claiming that my vehicle was not repossessed in error. The repossession occurred on XX/XX/year>, while I resided in XXXX, MD. This incident resulted in significant tardiness at work and a subsequent written warning. 

At the time of the repossession, XXXX XXXX acknowledged that the vehicle was not eligible for repossession, indicating that it should not have been removed from my property. XXXX XXXX subsequently rectified the issue by removing all late fees accrued up to XX/XX/year>, and by waiving one month 's payment of {$420.00}. My account was current at the time of this illegal repossession.

Attached to this correspondence is UACC 's response, which falsely disputes my claim of an erroneous repossession. I am uncertain about the nature of their investigation, particularly given their request for additional time, which ultimately yielded a misleading conclusion. The evidence clearly demonstrates the inaccuracy of their reporting. Therefore, I formally request the complete deletion of this debt, as it is evident that UACC is neither updating nor reporting accurate information.

Furthermore, pursuant to Section 609 ( a ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are generally required to disclose " all information in the consumer 's file at the time of the request '' in a clear and accurate manner. It is apparent that UACC not only imposes exorbitant fees and interest rates but also fails to report fairly and accurately to credit bureaus. This creditor 's actions constitute a violation of the Fair Credit Reporting Act, which may result in legal action and penalties. Consumers, including myself, are entitled to seek damages, including actual damages, statutory damages, punitive damages, and attorney 's fees. The creditor may also face fines and other penalties.

Should this falsified and incorrect debt not be updated or, preferably, deleted, I will pursue legal action to recover damages incurred as a result of this inaccurate reporting, which has negatively impacted both my personal life and my creditworthiness.s.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
I am writing to formally request the immediate deletion of the debt associated with UACC. It has come to my attention that UACC is inaccurately claiming that my vehicle was not repossessed in error. The repossession occurred on XX/XX/year>, while I resided in XXXX, MD. This incident resulted in significant tardiness at work and a subsequent written warning. 

At the time of the repossession, XXXX XXXX acknowledged that the vehicle was not eligible for repossession, indicating that it should not have been removed from my property. XXXX XXXX subsequently rectified the issue by removing all late fees accrued up to XX/XX/year>, and by waiving one month 's payment of {$420.00}. My account was current at the time of this illegal repossession.

Attached to this correspondence is UACC 's response, which falsely disputes my claim of an erroneous repossession. I am uncertain about the nature of their investigation, particularly given their request for additional time, which ultimately yielded a misleading conclusion. The evidence clearly demonstrates the inaccuracy of their reporting. Therefore, I formally request the complete deletion of this debt, as it is evident that UACC is neither updating nor reporting accurate information.

Furthermore, pursuant to Section 609 ( a ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are generally required to disclose " all information in the consumer 's file at the time of the request '' in a clear and accurate manner. It is apparent that UACC not only imposes exorbitant fees and interest rates but also fails to report fairly and accurately to credit bureaus. This creditor 's actions constitute a violation of the Fair Credit Reporting Act, which may result in legal action and penalties. Consumers, including myself, are entitled to seek damages, including actual damages, statutory damages, punitive damages, and attorney 's fees. The creditor may also face fines and other penalties. 

Should this falsified and incorrect debt not be updated or, preferably, deleted, I will pursue legal action to recover damages incurred as a result of this inaccurate reporting, which has negatively impacted both my personal life and my creditworthiness.s.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-19 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: GA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by XXXX, XXXX, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: WI

Complaint narrative:
On XX/XX/2024 I got my lawn cut by XXXX XXXX XXXX and during that week I also went in for XXXX XXXX. I do admit that I forgot to pay XXXX XXXX XXXX and when I called to dispute this issue and pay them they told me that they cant except my payment and told me to call a bill collector and my debt is not with a bill collector. I in fact tried to make this whole by paying what I owe. I will like to dispute this with all credit bureaus and thank you all for all you do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
About a year ago I froze my credit report after a large data breach. 
Since then I have changed my phone # and can not reset my password as it will only confirm with a text to a number I no longer have. 
Aside from that there is a whirlpool of XXXX that surrounds trying to get a person on the phone at this place as I'm sure you are aware. 
Because of this, creditors can only access 2 of my 3 reports and it is affecting my Mortgage rate. 
Easy fix.... make them answer the phone.

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 2025-06-19 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any 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 2025-06-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any 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