vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SENTRY CREDT regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SENTRY CREDT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SENTRY CREDT buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I notice some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with Please find attached a copy of my ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-06-24 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I notice some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with Please find attached a copy of my ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-06-24 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  on or about XXXX XXXX XXXX  sent me a letter stating that I have a deficit of XXXX and will have to be paid in full within three months or my monthly mortgage will go up XXXX  which I could not afford. When I call them up and ask them how could I have a deficit of XXXX  they said that my school taxes went up XXXX. I then address this concern with my town and ask them why did the school taxes go up XXXX and my town responded that it has not gone up XXXX and went up XXXX. When I showed them constant proof from the town including letters and emails from the town to XXXX XXXX XXXX XXXX refused to accept fault of their mistake. I went to my local branch in XXXX New York and spoke to the Banks vice president XXXX XXXX XXXX after almost 2 1/2 weeks of investigation from XXXX XXXX XXXX XXXX would not give him an answer on why I have an XXXX  deficit and why they are insisting that my town raise my taxes for the schools XXXX for the year. About a week after speaking to XXXX XXXX I received a letter from XXXX XXXX Accepting fault and miscalculation on their end. They sent me a letter of an apology and said that they will use this situation as a training process. Not only did they commit this grave era, but they charge me interest as well. I am requesting full reimbursement of my XXXX I should not have to pay for their mistakes.'

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 2025-06-24 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: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-06-24 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXXXXXX Balance {$640000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding the reporting of inaccurate and unverifiable information on my XXXX credit report, generated on XX/XX/year>. The entries in question pertain to the following accounts : XXXX. XXXX XXXX ( Acct # : XXXX ) These accounts are negatively impacting my credit profile and have been previously disputed with XXXX. However, XXXX  has failed to provide sufficient documentation to verify these accounts as required by the Fair Credit Reporting Act ( FCRA ). Furthermore, they have continued to report the negative information without a thorough reinvestigation or evidence.

Under FCRA 609 ( a ) ( 1 ), I have the right to receive all records used in the reporting of any credit entry, including original signed contracts, complete account histories, and a chain of custody from the original creditor. Neither XXXX nor the data furnishers ( XXXX XXXX and XXXX ) have provided this documentation.

Additionally, per FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation of any disputed item. XXXX refusal to remove unverifiable or outdated information is a violation of this section.

Further, under FCRA 623 ( b ), data furnishers must investigate disputes and provide accurate information. The continued reporting of these accounts, despite the lack of validation, constitutes willful noncompliance. FCRA 616 and 617 provide for civil liability when credit reporting agencies or furnishers fail to meet their obligations. 
I respectfully request the CFPB to investigate this matter and require XXXX and the associated furnishers to either verify these accounts with complete legal documentation or permanently delete them from my credit report. I am enclosing a copy of my credit report, previous dispute letters, and any responses received. 
Thank you for your time and assistance in protecting my rights as a consumer.

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 2025-06-24 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date 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 2025-06-24 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:
I have been a victim of identity theft and had recently noticed unknown/fraud hard inquiries on my credit profile. Please help delete the following from my credit reports as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have attached my duly notarized affidavit of dispute and the official copy of my FTC 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 2025-06-24 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: TX

Complaint narrative:
I have been a victim of identity theft and had recently noticed unknown/fraud hard inquiries on my credit profile. Please help delete the following from my credit reports as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have attached my duly notarized affidavit of dispute and the official copy of my FTC 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Request for Investigation and Correction I am writing to formally dispute the accuracy of information related to a charged-off account that appears on my credit report. The account in question is : Name On Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Status : Collection Upon reviewing my credit file, I have reason to believe the information reported is inaccurate, incomplete, or outdated. Specifically, I am disputing the charge-off status as incorrect and inaccurate which is misrepresentative of the account.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ]. I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting a thorough investigation into this matter and for the account to be either : 1. Deleted entirely if the charge-off is inaccurate or unverifiable, OR 2. Updated to reflect a status of paid as agreed/on-time, if the debt was paid or settled and the reporting does not reflect this accurately.

Please provide written confirmation of your findings following your investigation, and if a change is made, send me an updated copy of my credit report showing the correction.

Should you find the account to be unverifiable or inaccurately reported, I request its immediate deletion from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Carvana Group, LLC
State: MO

Complaint narrative:
I have made three ( 3 ) written requests to Carvana LLC XXXX XXXX XXXX, XXXX, AZ XXXX who is the lienholder on my used car for a notarized copy of the title to my car to complete Missouri Department of revenue form 5834 ( out of state title request ). They have refused for numerous reasons and refuse to comply with the instructions on form 5834. Without this form, I can not title my vehicle in Missouri.

They also refused to send me a refusal for a copy of the notarized request per form 5834. 
I downloaded form 5834, Missouri out of state title request, from the Missouri motor vehicle bureau website. In addition, I have spoken to my local motor vehicle bureau and have received the same instructions on the form yet Carvana LLC refuses to cooperate. 
Im left with the option of continuing this fight or paying off the vehicle, which is a low interest loan, which has been suggested by Carvana.

I I feel as though Ive been Stonewalled by Carvana to push me in this direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Describe XXXX XXXX reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am submitting this complaint following the identity theft report I filed with the FTC on XX/XX/XXXX. My personal information was compromised during major data breaches involving Equifax ( XXXX ), Experian ( XXXX and XXXX ), and TransUnion ( XXXX ). As a result, fraudulent accounts and incorrect personal information appeared on my credit reports. 

In addition to fraudulent accounts, my reports show incorrect and outdated personal data, including over a dozen former and incorrect addresses, incorrect name variations, and unknown or expired phone numbers. 

I mailed certified dispute packages with return receipt to each bureau. These included : - A signed formal letter - My FTC Identity Theft Report - Copies of ID and address verification documents In my letters, I cited my rights under FCRA 605B ( 15 U.S.C. 1681c2 ) for identity theft-related data to be blocked and permanently removed within 4 business days, and under FCRA 605 ( 15 U.S.C. 1681c ) for the removal of obsolete or incorrect personal information.

I have not yet received written confirmation that the bureaus have taken action. I am asking the CFPB to ensure full FCRA compliance and that all disputed data be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am submitting this complaint following the identity theft report I filed with the FTC on XX/XX/XXXX. My personal information was compromised during major data breaches involving Equifax ( XXXX ), Experian ( XXXX and XXXX ), and TransUnion ( XXXX ). As a result, fraudulent accounts and incorrect personal information appeared on my credit reports. 

In addition to fraudulent accounts, my reports show incorrect and outdated personal data, including over a dozen former and incorrect addresses, incorrect name variations, and unknown or expired phone numbers. 

I mailed certified dispute packages with return receipt to each bureau. These included : - A signed formal letter - My FTC Identity Theft Report - Copies of ID and address verification documents In my letters, I cited my rights under FCRA 605B ( 15 U.S.C. 1681c2 ) for identity theft-related data to be blocked and permanently removed within 4 business days, and under FCRA 605 ( 15 U.S.C. 1681c ) for the removal of obsolete or incorrect personal information.

I have not yet received written confirmation that the bureaus have taken action. I am asking the CFPB to ensure full FCRA compliance and that all disputed data be 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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Yes, USAA about 2 months send me a letter regarding my account will be closed if i don't make a purchase. I barely gotten this letter beginning of XXXX since I was out of state dealing with my military orders. I was told that If i don't make a purchase by XX/XX/year> that my credit card will be closed and it will affected my credit score... but I been trying to request a new credit card since my expired. I was told it was mailed out since XX/XX/year> but it has been over 7-10 business day and still i haven't gotten my credit card .. should I be concerned? yes! is this how military member get treated?? It seems like USAA is trying to affect my credit score because I even called over the phone and the agent doesn't seem to know what is going? Is this some sort of TOP secrete stuff? what is really going on?? why am i being treated like 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 explanation