vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Obtained job, told company in person that I can make the payments after submitting my payment on the next scheduled date of this loan. Previous name is XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX XXXX My bank took XXXX dollars for overdraft and imposed an extreme hardship on my ability to make other obligations such as food and car payments. Told loan company that I can make the payments next week. They demanded I come to the office and sign reschedule date. 
The loan started calling me several times a day in which I submitted complaint to FTC and got more calls while at work. Numerous phone messages on voicemail despite blocking numbers. Need assistance with this issue. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have disputed the Jefferson Capital Systems account on my XXXX credit report multiple times due to inaccuracies in the Date of First Delinquency ( DOFD ). The DOFD is inconsistent across all three credit bureausTransUnion lists an estimated removal date of XX/XX/year>, while XXXX reports XX/XX/year>. This discrepancy suggests XXXX has not properly verified the information. 

Despite my previous disputes, XXXX has only updated the account instead of conducting a proper reinvestigation. I am requesting that XXXX validate this debt with documentation from Jefferson Capital Systems, including proof of the correct DOFD. If they can not verify this account with proper records, I request that it be deleted from my credit report. 

Experians failure to reasonably investigate my disputes is a violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking CFPB assistance in ensuring XXXX corrects or removes this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report inaccurate information XXXX XXXX XXXX is in violation of several violations of the law 15 usc 1681 5-2 15 usc 1666b etc. the historical information has been previously resolved and 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 2025-03-22 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to formally report two ( 2 ) fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize. These accounts were fraudulently opened in my name and are the result of identity theft. 

The fraudulent accounts are as follows : Creditor : XXXX XXXX  Date Opened : XX/XX/year>, and XX/XX/year> Account Numbers : XXXX and XXXX These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I formally request : The immediate removal of these fraudulent accounts, associated hard inquiries, and collections from all of my consumer credit reports. 

A cessation of all collection activities related to these accounts. 

Please investigate and take the necessary corrective actions promptly. If additional documentation is required, I am prepared to provide it. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX 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 2025-03-22 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: SC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to formally report two ( 2 ) fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize. These accounts were fraudulently opened in my name and are the result of identity theft. 

The fraudulent accounts are as follows : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/scrub> 2024, and XX/XX/scrub> 2024 Account Numbers : XXXX and XXXX These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I formally request : The immediate removal of these fraudulent accounts, associated hard inquiries, and collections from all of my consumer credit reports. 

A cessation of all collection activities related to these accounts. 

Please investigate and take the necessary corrective actions promptly. If additional documentation is required, I am prepared to provide it. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX 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 2025-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/year> I had half my paycheck {$500.00} be set up to go into my savings account with XXXX XXXX so that I could pay my car note. XXXX XXXX has taken my money all of it, in result of making me now unable to pay my car note on time. My account doesnt reflect that I owe any debt or outstanding balances. But it was explained to me from a representative that they collected a debt from a charged off credit card. I strongly believe that if my account for the credit card has been charged off. That does not give them authority to go into my savings account and steal money without authorization from me. Please someone help me get my funds back or I will be in debt for my car note. Charge-off means theyve already written the debt off as a loss, I understand that it doesnt mean I no longer owe it, but it means they stopped trying to collect it actively. This is unfair practice. 

I have attached the activity of my account and how it appears on my end. It doesnt show a negative balance or that I owe any debt. And also shows when they just took my money with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
Transunion smart move is reporting a negative collection from XXXX XXXX that doesnt belong to me. I dont know XXXX XXXX nor do I have any contract with this agency. This is a clear violation of FCRA guidelines.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PR

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 but this is so unprofessional. My name is XXXX XXXX and 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 2025-03-22 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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
Consumer complaint received 2025-03-22 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: AL

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
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
Subject : Ongoing Violations of the Fair Credit Reporting Act and Failure to Investigate Disputed Information Reference to CFPB Lawsuit Dear Equifax, I am writing to formally document a pattern of continued non-compliance by Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and to escalate my complaint in reference to the Consumer Financial Protection Bureaus lawsuit against Equifax regarding its failure to protect consumer data and failure to meet legal obligations under federal law.

Your inability to correct inaccurate and unverifiable accounts, despite three formal dispute letters submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, directly reflects the same conduct the CFPB outlined in its enforcement action. I provided specific account numbers and demanded a full reinvestigation and proper documentation under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which Equifax has failed to produce or comply with.

Disputed Accounts Still Unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my clear and lawful requests, Equifax has failed to : Provide a description of the reinvestigation procedures used ; Deliver the method of verification ; Share documentation from the furnisher used to verify the information ; Comply with statutory deadlines under 1681i ( a ) for dispute resolution.

These actions mirror the concerns raised in the CFPBs lawsuit ( e.g., CFPB v. Equifax, Case No. 1:19-cv-000XX ), in which Equifax was found to repeatedly neglect its legal obligations and consumer protections, including inadequate dispute handling and poor data accountability.

Immediate Demands : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ) : Provide written confirmation of removal or correction of the above accounts ; Deliver all reinvestigation records and third-party verification ; Complete these actions within 15 days of receipt of this letter.

Notice of Legal Action : Failure to comply will result in the following : A formal complaint filed with the CFPB, FTC, and NJ Attorney Generals Office ; Legal action for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o ; Pursuit of statutory, actual, and punitive damages as provided by law.

Your continued failure to protect consumer rights and comply with federal law is unacceptable. I expect your full response and compliance without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

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
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-22 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
This is clearly a sham investigation done by Experian, Transunion, and Equifax. I have disputed the XXXX XXXX account on my credit report several times with no understanding from Experian, Transunion or Equifax. The XXXX XXXX  account on my credit report has been closed since XXXX, I have sent my credit card statements to Experian so they can see my payments made on this account. Experian supposedly investigated my dispute and continues to report this account 60 days late and that is untrue. I have never been 120 days late on this account nor was I 60 days late. This is a violation of the FCRA guidelines and needs to be corrected immediately.

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 2025-03-22 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: TX

Complaint narrative:
This is clearly a sham investigation done by Experian, Transunion, and Equifax. I have disputed the XXXX XXXX account on my credit report several times with no understanding from Experian, Transunion or Equifax. The XXXX XXXX  account on my credit report has been closed since XXXX, I have sent my credit card statements to Experian so they can see my payments made on this account. Experian supposedly investigated my dispute and continues to report this account 60 days late and that is untrue. I have never been 120 days late on this account nor was I 60 days late. This is a violation of the FCRA guidelines and needs to be corrected immediately.

Company response to consumer: Closed with explanation