vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I was never contacted by Credit Systems INT INC about this alleged debt before it was reported to the credit bureaus XX/XX/XXXX ( per XXXX XXXX ). I have lived in Georgia since XX/XX/XXXXXXXX  and have had the same phone number since I was XXXX. No letters, phone calls, or emails were sent to notify me that a debt existed or that it was going to be reported. 

Because I was never informed, I was denied my right to dispute or verify the debt under the FDCPA. I only discovered the debt recently while checking my credit report. I still have not received any account details, documentation, or payment instructions from this company and was not aware of this account at all and it has been 8 months. This has been negatively affecting my credit and I was unaware the collection existed until XX/XX/XXXXXXXX  when reviewing my credit report on XXXX XXXX. 

I am requesting this debt be fully validated and removed from my credit report if they are unable to prove they attempted to notify me in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against TransUnion regarding both the recent data breach and the presence of erroneous information on my credit report. 

Following the disclosure of the TransUnion data breach, I became aware of inaccurate accounts appearing on my credit file. These accounts do not belong to me and are the subject of disputes I submitted through XXXX XXXX, which I have attached confirmation of for your review. Despite my efforts to resolve these inaccuracies directly, they remain on my report. 

My concerns are as follows : 1. Erroneous Accounts on My Credit File : TransUnion continues to report inaccurate and unauthorized accounts, which I have disputed. These entries are damaging my credit profile and must be removed.

2. Failure to Protect Consumer Data : The recent breach raises serious concerns that my personal information was compromised, which may have contributed to the appearance of fraudulent accounts on my report. 
XXXX. Lack of Adequate Response : TransUnion has not provided sufficient resolution to my disputes nor offered appropriate assistance to consumers impacted by the breach. 

I am requesting the CFPBs intervention to ensure : The prompt removal of all erroneous accounts from my credit report. 
Full disclosure of whether my data was exposed in the TransUnion breach. 
Stronger accountability measures to ensure TransUnion protects consumer data going forward. 
Appropriate remedies for consumers affected, including credit monitoring and identity theft protection. 

These issues are causing me ongoing harm, and I am seeking your assistance in ensuring my rights as a consumer are upheld under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. Please confirm receipt of this complaint and advise me of the next steps. 

Sincerely, XXXX XXXX Attachments : Screenshot of dispute confirmation from 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 2025-09-07 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.

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
Specifically, TransUnion reported the following " OPEN ACCOUNTS '' and shared without consent account numbers XXXX, XXXX, XXXX, XXXX, which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I asked that the agency send me a copy of my credit report when the deletion has been 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 2025-09-07 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally financial is reporting fraudulent inaccurate information on my credit report. I have called multiple times to let the company know that I never applied for a car loan from said company. The said company told me to call TransUnion to get it removed. I called and nothing was done. They company is reporting a hard inquiry on XX/XX/year>. I never applied for a car loan through this company. This is fraudulent I never consented to the company running my credit. I want this deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I am filing a formal complaint regarding an illegally reported account on my credit file. Multiple collection agencies, are reporting the same account with conflicting and inaccurate information across Experian, Equifax, and TransUnion, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. 
I have never signed or agreed to any contract with these agencies, nor have they provided any legally valid debt validation, chain of title, or signed agreement despite multiple written requests. Instead, they have continued to report the account as verified, while using harassing phone calls and refusing to communicate in writing, violating the Fair Debt Collection Practices Act ( FDCPA ). Ive sent numerous of emails and reached out to CFPB with no help, and same answer from the CFPB. Not looking into this and Ive sent numerous of filings showing the inaccurate reports. 

This is a clear case of willful noncompliance by both the reporting agencies and the collection companies. Their failure to conduct a reasonable investigation under FCRA 611 ( a ) and to maintain accurate, consistent reporting under Metro 2 constitutes a serious breach of federal law.

I demand immediate deletion of this unverifiable account from all three credit bureaus and cessation of all collection activity. If this matter is not resolved promptly, I will escalate with formal legal action for damages under FCRA 15 U.S.C. 1681n and 1681o and FDCPA 15 U.S.C. 1692k. 
I am attaching evidence, including all three credit reports showing conflicting data, prior dispute letters, and records of continued collection harassment. I am requesting a full investigation and enforcement action to bring all parties into compliance.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited my monthly paycheck in the amount of {$3400.00} into my Chase account. Chase placed a hold on the entire deposit until XX/XX/year>. I was not told this would happen when opening the account or when making the deposit. 

This check represents my only source of income, and I am paid once a month. Because of this hold, I have no access to funds for essential expenses such as rent, gas, and food. I have called Chase customer service multiple times and have only been given vague explanations and the runaround, with no resolution or partial release of funds offered. 

I recently relocated to XXXX, CA, and opened this account because my previous credit union was not available here. I would not have deposited my check with Chase had I known the funds would be held for so long. This situation has placed me under significant financial hardship.

I am requesting that Chase immediately release these funds or that the CFPB review Chases handling of this deposit hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-07 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland credit management inc is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
XXXX XXXX via dealer is reporting fraudulent inaccurate information on my credit report. I have called multiple times to let the company know that I never applied for a car loan from said company. They company is reporting a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never applied for a car loan through this company. This is fraudulent I never consented to the company running my credit. I want this deleted 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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: FL

Complaint narrative:
On XX/XX/year>, I was pressured into a Koalafi loan at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, on the same day I had already signed a XXXX XXXX loan. This Koalafi loan was used to finance engine mounts, tie rods, and a CV axle. 

At the time, my car was unsafe because the original wheel bearing was about to come off, and XXXX leveraged this emergency to pressure me into multiple loans even after expressing financial stress. 

XXXX told me that the initial XXXX XXXX loan could not be changed after they submitted it, even though they had not included all the necessary parts. As a result, they pressured me into signing this second loan with Koalafi, even though the full Snap approval amount could have covered these repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In approximately XXXX, I was offered by XXXX XXXX XXXX XXXX to apply for a three-year mandatory forbearance. The servicer poorly and improperly communicated the forbearance terms. I was not told by the servicer or notified in writing by XXXX XXXX  with a reminder or notice that I was required to reapply annually. A year after I was enrolled, I received a devastating letter the student loan was now in default status. 

I have contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Wisconsin XXXX about issues with my student loan, my lack of income, and this issue. Nothing was ever resolved. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NRA Group, LLC
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-07 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: WA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX  Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : 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 the following accounts : Personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX. XXXX under Account Number. XXXX XXXX account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX XXXX loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. XXXX under Account XXXX. XXXX These accounts have caused several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or hard inquiries as reported. 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 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 2025-09-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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