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

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-06-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond La XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-06 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: World Acceptance Corporation
State: TX

Complaint narrative:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : World Acceptance Corporation Account Number : XXXX XXXXXXXX Date Opened : XX/XX/year> Amount : {$1400.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my XXXX  credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 

Once a debt has been sold, the original creditor ( World Acceptance Corporation in this case ) should report the account as sold or transferred and with a zero balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 

Therefore, I request that XXXX  : Immediately investigate this account and provide documented verification of the debt. 

Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 

Send me a written statement of the results of your investigation. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to formally dispute and request the immediate removal of the Credit Acceptance Corporation account ( Account Number- XXXX ) and any associated derogatory information from my credit report. This request is being made under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related federal protections established during the XXXX pandemic. 
On XX/XX/XXXX, my XXXX XXXX XXXX was unlawfully repossessed by Credit Acceptance Corporation. This repossession occurred during the declared COVID-19 national emergency. At the time, I was experiencing financial hardship due to the pandemic, and several emergency laws and relief programs were enacted to protect consumers from predatory lending and unjust vehicle repossessions. 
Specifically, I assert that Credit Acceptance Corporation violated consumer protection provisions under : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( Public Law No. 116-136 ), Section 4021, which amended the FCRA to require that furnishers of credit data who offer accommodation to consumers during XXXX must report accounts as current if they were current before the accommodation.

Executive Orders and state moratoriums on vehicle repossessions during the pandemic ( including those issued in various states such as XXXX  XXXX XXXX XXXX, which temporarily suspended vehicle repossessions in certain circumstances ). 
Federal Trade Commission ( FTC ) guidelines that prohibit unfair or deceptive practices by lenders and repossession agents. 
At no point was I properly notified of the right to cure, or given a reasonable opportunity to remedy any alleged default. Furthermore, the repossession was carried out while federal and state protections were in place, and I had communicated financial hardship. 
As a result of this unlawful action, my credit report contains harmful and inaccurate derogatory information that is not only unjust but legally disputable under FCRA, FDCPA, and the protections afforded under the CARES Act.

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 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint because a paid account is being falsely reported as a collection by XXXX Apartments on my credit report. 

I provided a move-out notice and paid my last months rent in full on XX/XX/XXXX, prior to vacating the unit. I have attached the full payment receipt and official move-out letter from the property XXXX confirming my last rent was due by XX/XX/XXXX and that my move-out date was XX/XX/XXXX. 

Despite this, the apartment complex or third-party collector reported me to TransUnion. I submitted a dispute on XX/XX/XXXX ( Dispute ID : XXXX ) and attached all proof, but TransUnion has not resolved the matter. 

In addition, XXXX XXXX XXXX is also reporting me negatively on Experian for a debt I do not owe. I never received validation of this debt, and it was denied without proper justification even though the original balance was already paid as shown. 

These actions violate the Fair Credit Reporting Act and possibly the Fair Debt Collection Practices Act, as these companies are furnishing false information that damages my credit. 

I paid my final rent in full before moving out, and I recieved no communication about any outstanding amount. The collection placement appears to be the result of negligence, not an actual valid debt. This failure to notify me and the unjustified reporting of a collection has harmed my credit and violates both state and federal consumer protection laws. 

XXXX Apartments never provided any written notice of a balance due, nor did they send a final itemized accounting of deductions from security deposit within 21 days, as required by California XXXX XXXX XXXX XXXX ( g ) In addition, Birchwood Apartments has not returned my security deposit or provided an itemized list of any deductions, which is required by California XXXX XXXX XXXX XXXX ( g ). It has been well over 21 days since I vacated the unit on XXXX XXXX. 

Their failure or return my deposit, combined with their lack of communication and incorrect reporting of a collection to credit bureaus, is not only negligent but unlawful. I never received any notice of outstanding debt, and I paid my final rent on time as documented. 

I am requesting immediate full deletion of this collection account from all credit bureaus and a written confirmation that my credit reports will be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Complaint Reference : CFPB Case No. XXXX Accounts Involved : XXXX, XXXX, XXXX, and XXXX To : Portfolio Recovery Associates XXXX CFPB and Credit Bureaus XXXX 
I respectfully submit this response to the most recent communication provided by Portfolio Recovery Associates , LLC ( PRA ) regarding the accounts referenced above.

While PRA states that they are continuing to investigate and will respond with findings, it is critical to note that PRA has failed to address or acknowledge my final letter dated XX/XX/2025, sent pursuant to 15 U.S.C. 1681n of the Fair Credit Reporting Act ( FCRA ). This final notice provided PRA with a last opportunity to either produce legally sufficient proof of ownership, Legal standing to collect the specifics and validation of the alleged debt, or to remove all derogatory entries associated with the referenced accounts from all my credit reports.

Additionally, PRA has not produced any valid contract or agreement bearing my signature, nor any chain of title supported by a purchase agreement that clearly establishes their legal ownership and standing to collect on debt.

Further, I am attaching supporting evidence from the U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX filings which indicate that the alleged original creditors XXXX XXXX XXXX XXXX XXXX XXXX have securitized and deposited receivables into complex trust structures ( e.g., XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX ). These filings identify the banks as depositors and sponsors, and clearly state that receivables are pooled, transferred, and converted into asset-backed securities, often without direct recourse or verification of individual consumer accounts.

see documents with dates of where PRA alleges to legally bought the Debt. please prove to me that you have the legal right to collect on securitized debt securities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
My card was lost, I then had an unauthorized charge on my account for {$500.00}. I filed a police report and made a dispute with chime. My dispute was declined within days without doing any investigation or anything! I want a temporary credit while you guys do an actual investigation!

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

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I am a victim of identity theft, and my credit report contains multiple accounts and inquiries that I did not authorize or apply for. These items are incorrect and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these unauthorized accounts and inquiries from my credit report. Enclosed, you will find a list of the disputed items, as well as a copy of my Identity Theft Report, which I filed with the Federal Trade Commission. 

I kindly ask that you investigate this matter and remove the fraudulent entries from my credit report as soon as possible. I would appreciate written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this issue.

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

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-06-06 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
Hello, In approximately XXXX XXXX, I contacted my student loan provider Mohela, about different payment options because XXXX XXXX XXXX XXXX. I spoke to the agent on a recorded line. 

At the time she presented options and I did NOT consent to any changes. The line disconnected. 

Afterwards in approximately XX/XX/year>, I found out my loan was converted to a payment option that I did not consent to and had to reapply for the income based repayment option. At the time my student loan was on auto pay and they started charging {$1700.00} a month. 

I called and removed autopay until they figured out what was happening with my loan and certain payment options were on hold with the US Supreme Court. 

This practice of converting my loan without my consent is unlawful. Mohela changed the terms and conditions of my loan without my consent and breached the contractual agreement. 

I am requesting a copy of all recordings from XXXX, especially if they allege I consented to a change in my contractual terms for ACCT NUMBER : XXXX. 

Please note, when I called in approximately XX/XX/year>, a manager acknowledged the prior call disconnected and they had not recieved my consent and the best they could do was have me reapply. However given that Mohela unilaterally changed the terms they have essentially voided any repayment contracts and I am requesting to have the repayment voided. I was fully current in payments until they changed the terms of my contract unilaterally and the contract should legally be deemed void since it was without my consent and they can not find record of my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several accounts reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as I believe they may be inaccurate, incomplete, or unverified. 

XXXX XXXX XXXX BALANCED {$710.00} XXXX XXXXXXXX XXXX BALANCED {$62.00XXXX XXXX XXXX XXXXXXXX BALANCED {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several accounts reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as I believe they may be inaccurate, incomplete, or unverified. 

XXXX XXXX XXXX BALANCED {$710.00} XXXX XXXXXXXX XXXX BALANCED {$62.00XXXX XXXX XXXX XXXXXXXX BALANCED {$1400.00}

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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