vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
The XXXX account on my credit report is listed as charged off/ written off as of XX/XX/year>. I requested a copy of the 1099C form, but I never received it. The account balance has been reported incorrectly as {$14000.00} at the time of the charge off when it should be XXXX. XXXX then sold my information to Jefferson Capital Systems, who created another trade line on my consumer report for the same debt as a collection account making them appear as XXXX different accounts. I have never entered into a contract with Jefferson Captial Systems and do not owe any money to Jefferson Capital Systems. This inaccurate information has significant negative impact on my consumer report and credit worthiness and was reported fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
XXXX XXXX XXXX  billed medicaid instead of my insurance medicaid paid the claim then at a later date took the money back over a year after the service I was notified. I turned it into .y insurance and to XXXX XXXX XXXX XXXX XXXX The insurance company denied the claim for untimely billing and the XXXX XXXX agreed it was thier fault.

Then I received notices with DCI collection company in XXXX ND the notices had no instructions on how to dispute a claim and now they have some how gotten a default judgement against me In XXXX XXXX XXXX XXXX. They also turned the bill into the credit agencies as a non medical debt which should be illegal. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally complain about XXXX XXXX XXXXXXXX decision to reduce my credit limit on my credit card account XXXX immediately after I made a payment. This action is unjustified, harmful to my credit score, and contrary to responsible lending practices.

Here are the key details : - Date of payment made : XXXX, XX/XX/XXXX XXXX ( {$560.00} paid to {$2200.00} balance ) - Original credit limit : XXXX - New credit limit after reduction : {$1800.00} ( XXXX, XX/XX/XXXX XXXX ) - Reason provided by Bank of America XXXX Never received an actual notice This reduction occurred despite : - A history of on-time payments. 
- No significant changes in my creditworthiness ( my credit score remains stable/has improved ).

- No prior warning This arbitrary limit reduction has negatively affected my credit utilization ratio, potentially lowering my credit score. It undermines my ability to manage finances effectively, especially if I relied on this credit line for emergencies or planned expenses.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to dispute several inquiries on my credit report that were never authorized by me and constitute an unlawful access to my consumer credit file. A consumer report may only be furnished under a specific " permissible purpose, '' as defined by Section 604 ( a ) of the Fair Credit Reporting Act ( FCRA ). No such permissible purpose exists for the following unauthorized inquiries : XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) As the consumer, I never applied for credit with these entities on the dates in question, nor did I provide them with my " wet signature '' or any other form of authorization. Under federal law, particularly the FCRA and other state consumer protection laws, a creditor must be able to prove that a consumer authorized an inquiry, often by producing a signed application or similar documentation. 

These inquiries must be immediately deleted from my credit report. Furthermore, under my rights granted by the FCRA, I demand that you conduct a full and diligent reinvestigation of these items. Should you be unable to provide evidence of my written authorization for these inquiries, including my wet signature on a credit application, they must be removed. 

I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please provide a written response within 30 days of receipt of this letter, detailing the actions taken. 

Thank you for your prompt attention to this serious matter.

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 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient private loans ( now named XXXX XXXX ) continues to deny my misconduct discharge application, this time was the third time ( summer XXXX, fall XXXX, spring XXXX ) even with an overwhelming amount of evidence- they do not approve the application. 

I also asked lots of questions in a document I sent in XXXX and XX/XX/XXXXXXXX  and they still have not answered my questions, even with the PA Attorney General 's office 's request for mediation. I also called and asked to speak to the consumer advocate who does not respond and does not return my calls and requests for calls. 

I found the attached letter by XXXX XXXX re : Navient concerns ( fall XXXX ) re : Navient 's refusal to discharge student loans and their own unfair practices. 

XXXX XXXX wrote at the end, " We ask your agencies to use their supervisory and enforcement authority to ensure Navient is delivering borrowers the relief they are entitled to under the Holder Rule and due to Navients own misconduct. '' Please help and hold Navient accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Upon review of my credit report, I have identified that an inaccurate public record/bankruptcy is still being reported and has not been removed. In view of this, I respectfully urge that the attached evidence be carefully reviewed to ensure the full correction of this matter, restoring my ability to maintain peace of mind.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: SC

Complaint narrative:
Approximately XXXX years ago I had an account for water delivery service where water was being delivered to my home. On XXXX occasions they delivered doubles the amount of water being delivered. I called the company several times to pick up the extra water that was never ordered. They never responded. About 6 months ago i started receiving emails and texts from a company that wanted paid. I have called at least 6 times, on XXXX occasions they left me on hold for XXXX minutes after speaking to someone. The other occasions i asked them to contact the company to pick up the XXXX XXXX of water that continue to be in my garage. The company continues to provide me with threats of damaging my credit and possible judgements. 

Hello XXXX XXXX, You have an open balance with XXXX XXXX. Collection Bureau of America is handling your balance, and offers flexible payment options to help consumers manage overdue accounts. 
XXXX XXXX Last Charge DateSep XXXX, 2023 Reference XXXX Current XXXX XXXX XXXX, call us at ( XXXX ) XXXX, or email us at XXXX I have requested statements and invoices, they have not provided them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-08-11 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 are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-11 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
This account showed up on my credit with no information of the original creditor for an account opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my account and did not tell me why. The remaining balance was over {$39000.00}. They never sent me a check for it and it has been well over two weeks. I called them today and they said the check is not authorized because they can not verify my funds. This is money that has been in my account and they are illegally withholding it from me which I need this money urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I requested debt validation and the information provided to me is insufficient to legally validate the debt, The debt is to the best of my knowledge not mine. It is definitely inaccurate and damaging my credit score, which is preventing me from obtaining a mortgage.

There are 8 accounts reporting and even though I did not owe the debt to begin with I settled it with the collection agency they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX  Consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/2025 I am filing this complaint in reference to a fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX that has been repeatedly reported to the three credit bureaus with supporting documentation. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received the attached letter from XXXX XXXX acknowledging my request for documents but claiming they could not fulfill the request without an enlarged copy of my government-issued ID and a police report. However, I have already sent these items * * multiple times * * to XXXX XXXX, including : * A copy of my state-issued ID * A copy of my Social Security card * A police report documenting that I am a victim of identity theft Despite this, XXXX XXXX has failed to properly investigate or honor my previous submissions. The continued request for documents I have already provided indicates a lack of thorough review and due diligence. 

Furthermore, I have made * * multiple requests * * to the three credit bureaus to remove this fraudulent account from my credit report, including providing the same supporting documents. Despite clear evidence of fraud and proof that I am not associated with the address linked to the account, the credit bureaus have failed to take corrective action. This constitutes a lack of proper investigation and intervention in violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I am requesting that the CFPB require : 1. Immediate removal of the fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX from all credit reports. 
2. Confirmation from XXXX XXXX and the credit bureaus that my documentation is on file and that no further duplicate requests for the same documents will be made. 
3. An explanation from XXXX XXXX and the credit bureaus detailing why proper investigative procedures were not followed despite multiple submissions of the required documents. 

XXXX XXXX  Attachments : XXXX XXXX XXXX XXXX XXXXXXXX letter dated XX/XX/202XXXX XXXX Copies of ID, Social Security card, and police report previously submitted * Prior dispute correspondence with the three credit bureaus

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is a late payment reporting to my XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX The late payment is showing on XX/XX/XXXX which is incorrect and needs to be removed asap Failure to delete inaccurate, incomplete, or unverifiable information from my credit file.

I been denied credit, insurance, and employment due to this incorrect late payment on my credit report The federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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