vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-04 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: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting an account I am no longer an authorized user on and it is reflecting on my credit report. XXXX XXXX XXXX  confirmed this morning that I am not even showing up as an authorized. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting an account I am no longer an authorized user on and it is reflecting on my credit report. XXXX XXXX XXXX  confirmed this morning that I am not even showing up as an authorized. Please remove this.

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 2025-06-04 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: NY

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions. 
Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation. 
If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages. 
I expect a written response within 5 days confirming the removal of this account from 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
At the end of XXXX I called the home retention department and spoke with XXXX. I talked to her about my repayment plan because my pay day was going to fall after the first of the month. After talking to her I scheduled a payment and she told me that if I made another payment in XXXX my account would be brought current. I made this extra payment ( by working extra hours ) but when I made that payment I was told that I was still behind one payment. I explained to the rep that I was told by them that my account would be brought current with an extra payment. They said they would listen to my call and call me back. I never got a call back so I called them. They agreed the wrong I fo was given but refuse to do anything about the error. This is a violation of RESPA section 1024.35

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I thought my student loans were forgiven, but they are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC and ID attached for verification thank you

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 2025-06-04 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC and ID attached for verification thank you

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Key Debt Recovery, Inc.
State: NC

Complaint narrative:
This person below contacted me at XXXX. Thinking I was a Florida resident which allows debt collection emails. I am a resident of North Carolina. The debt collector admitted to breaking the law. They owe me {$1000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
This company called XXXX somehow got access to my bank routing and account numbers and I have no idea how. Even when I do " subscribe '' to something, I would never give my actual account numbers to anyone, not even the government if I don't have to. So however this is happening, it's FRAUD, SCAM, HACKING! 


And the icing on the cake Is that my bank sent me a text message Asking me if I want to approve this and I said no, but immediately after I said no, My bank still allowed it to go through and then proceeded to freeze my card. AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I did not authorize or use this credit card. Identification was stolen and used for credit card.This has also been assigned to a third party who has not provided me with a signature or supporting documentation for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They took overdraft fees for no reason and will not give refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a long term payment plan agreement with Ally Credit Card. I could not keep the account at the moment do to financial hardships, so I contacted them, and they offered me to enter a long term payment plan of a monthly payment amount of {$93.00} with and initial payment of {$150.00}, and an APR 0f 6 %, the account will be closed, and after three months of consecutive payments the account will start reporting as up to date. I agreed to the plan and made the initial payment, and have been making all the other payments in time.

I waited four months to verify the account status, and it was not reporting correctly ; it was reporting that my due amount is {$360.00} and that I was late and missing payments, even though I was making all the monthly payments of {$93.00} as it was agreed. I contacted Ally, and they explained that it was going to take one more month. I waited the month and nothing. I reached to Ally again, and they explained that the account will not reflect the change until the XXXX payment. I waited until after the XXXX payment and nothing. I contacted Ally again, and they said that there is nothing they can do to fix it and that the account will continue to report as payment missed until I pay the {$360.00} in one full payment, even though this goes against the terms of the long term payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal for a period of almost 6 months and more have inaccurately reported the funding on my account. Numerous occasions have shown that transactions are misdated to reflect debits from new deposits to consistently reflect low balances when banking. I have been charged double payments for accounts not associated with Navy Federal and debited from card transactions that were canceled. I have also had the issue of being double charged for subscriptions and charged for subscriptions that were canceled. I have reached out to navy federal to resolve this multiple times to no avail. I am owed thousands of miscalculated amounts. Navy federal also discriminates against my account by allowing debits past the overdraft limit to maintain a negative balance on my account. My credit card is 3 times the allowed limit. I have also been having an issue with check payments being returned despite the appropriate funds being available.Each time the account is rendered positive, transactions from previous days would all of a sudden debit from my account as well. They also do not credit back refunds to my account or if they do, they quickly double debit it. I do feel this is a targeted systematic approach to try and keep me stereotyped as an XXXX American woman. 
I need this investigated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX Account XXXX XXXX Reference XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX XXXX This letter is in response to your text message with collection dated XX/XX/XXXX concerning the collection of the above referenced dated XXXX, XXXX, XXXX. I do not believe I owe this debt and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Ace ( FDCPA ) and Florida state laws. Therefore, I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Florida has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$840.00}

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 2025-06-04 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: 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: FL

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 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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: FL

Complaint narrative:
I ordered a XXXX Tesla XXXX XXXX, XXXX ending in XXXX, and lawfully tendered full payment under a private equity trust instrument, which Tesla recorded as a cash transaction. The vehicle was scheduled for pickup on XX/XX/XXXX. I presented in person for delivery, but the vehicle was not provided. I was told it was not on site, and moments later, received an email canceling my orderwithout any legitimate cause or lawful rescission. 

Despite acceptance and documentation of full performance, Tesla has refused to release the vehicle or refund the trust tender. Tesla has not reassigned the vehicle or provided legal grounds for cancellation. All notices served under UCC 9-609 and 9-625 have been ignored. I hold a perfected security interest, and Teslas actions constitute breach, conversion, and misrepresentation of a cash sale to avoid liability.

I am now actively asserting my rights under commercial law and seeking assistance to enforce repossession and prevent title reassignment or concealment.

Company response to consumer: Closed with explanation