vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : - XXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXXXXXX XXXX XXXXXXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX  OPENED ON XXXX 
- XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this message finds you well. Upon reviewing an updated copy of my credit report, I identified several inaccurate and unverified accounts that are currently being reported by your agency. These errors are deeply concerning, especially as I am in the process of applying for a new line of credit. The presence of these inaccurate items could result in an unjust denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this message finds you well. Upon reviewing an updated copy of my credit report, I identified several inaccurate and unverified accounts that are currently being reported by your agency. These errors are deeply concerning, especially as I am in the process of applying for a new line of credit. The presence of these inaccurate items could result in an unjust denial.

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 2025-04-12 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: MI

Complaint narrative:
They repeatedly denied my disputes without any of the requested information and with only more negative impacts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
We purchased our house at XXXX XXXX XXXX, XXXX GA XXXX on XX/XX/XXXX from a builder in Georgia called XXXX XXXX. Our original mortgage company XXXX XXXX XXXX ) sold our mortgage to SN servicing few months later. We have never been late on our mortgage payments and have been paying our taxes and insurance ourselves ( our mortgage company did not offer an escrow account for us ). We received a notice from our mortgage company ( SN Servicing corporation ) last year that apparently the taxes on the property were not paid for the year XXXX ( the year before we purchased the house ). This tax was owed by the XXXX XXXX, and I reached out to them, and they agreed to pay but needed info on the third party that was paid. I forwarded the request to SN servicing corporation and gave them the contact information for the XXXX XXXX. They never followed up with XXXX, instead they have been adding late fees to my statements monthly, which currently stands at {$3200.00}. Every time I call our mortgage company ( SN servicing ) it is someone new, and they dont know what is going on, all they can see is the late fees that have been assessed, and they think we are late on our payments. But we have never been late and all this money is just late fees that have been adding up. 
Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations To Whom It May Concern, I am writing to formally file a complaint for the credit bureaus reporting inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered several inaccuracies related to an account reported by XXXX XXXX, which include but are not limited to the following : Incorrect account type Inaccurate or inconsistent status update Errors in payment history Incorrect terms of the account Inaccurate past due amount These errors are negatively impacting my credit standing and are not reflective of the actual status or terms of the account. I have attempted to resolve this issue by disputing the inaccuracies through the appropriate credit bureaus, yet the incorrect information remains. 

Under the FCRA, I have the right to expect that only accurate, complete, and verifiable information is reported in my consumer file. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that the inaccurate information is either corrected or removed entirely from my credit report. 

Please find attached any supporting documents relevant to this complaint. I appreciate your time and attention to this matter, and I look forward to your response. 

Sincerely, 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 2025-04-12 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations To Whom It May Concern, I am writing to formally file a complaint for the credit bureaus reporting inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered several inaccuracies related to an account reported by XXXX XXXX, which include but are not limited to the following : Incorrect account type Inaccurate or inconsistent status update Errors in payment history Incorrect terms of the account Inaccurate past due amount These errors are negatively impacting my credit standing and are not reflective of the actual status or terms of the account. I have attempted to resolve this issue by disputing the inaccuracies through the appropriate credit bureaus, yet the incorrect information remains. 

Under the FCRA, I have the right to expect that only accurate, complete, and verifiable information is reported in my consumer file. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that the inaccurate information is either corrected or removed entirely from my credit report. 

Please find attached any supporting documents relevant to this complaint. I appreciate your time and attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX ) REPORTED BALANCE OF {$460.00}. I HAD NO MISSED PAYMENTS. in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I received an email saying my phone number and email had been deleted from my Zelle account on XXXX. I called my bank the same day, and they redirected me to Zelle customer care, which then redirected me to my bankXXXX XXXX XXXX XXXX Zelle customer care. They said I could not add my phone number or email back because I had violated their terms and conditions. The prior week, I had sent a huge sum of money ( A refund for XXXX XXXX XXXX ) To my dad. I don't know if this is why my account got banned, but they are claiming there's nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Going through my credit reports Ive discovered that there are several items that are of a fraudulent nature from someone taking advantage of a data leak and using my identity without my permission. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX avant llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collectons, and nard Incuines appeaning on my consumer crealt report maintained by you were not opened, made, or initiated by me. 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 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against AutoNation Financing regarding the repossession and subsequent sale of my vehicle in XX/XX/year>. I believe that their actions violated California state law and caused serious damage to my credit report. 

Due to financial hardship during the XXXX pandemic, I fell behind on my auto loan payments. On or around XX/XX/year>, XXXX repossessed my vehicle. However, they failed to provide proper notice in accordance with California law. 

California law requires that a lender must provide at least 15 days notice to the consumer before the vehicle is sold at auction, and the vehicle can not legally be sold until 60 days after repossession unless the consumer voluntarily surrenders the vehicle and waives their rightswhich I did not. 

AutoNation Finance sold my vehicle at auction in less than 30 days from the date of repossession ( I believe around XXXX XXXX XXXX ), without notifying me in advance or allowing me the legally required time to cure the default. This is not only unethical but also illegal under California law. 

As a result, this action has severely and unfairly impacted my credit report. I respectfully request that CFPB investigate this matter and assist in correcting the damage caused by AutoNation Financings actions. I am also requesting that the repossession record be reviewed and potentially removed due to their non-compliance with state law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I feel violated and Im filing a complaint for XXXX XXXX having access to my financial aid data including two DOGE members, XXXX XXXX and XXXX XXXX being around my sensitive private information is a definite breach of data and a violation of FERPA which is a federal law protecting the privacy of student education records, and those rights under, but include privacy of educational records, access to those records and control over information sharing. all of my financial aid was accessed without my prior authorization. Sharing of my records when there has been failure to provide us with access to our own records and data breaches involving protected student information. I am also going to contact the department of education and file a complaint as well as FERPA.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 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: National Collection Systems, Inc.
State: GA

Complaint narrative:
In XXXX, the University XXXX XXXX XXXX  failed to properly process my financial aid, which resulted in an unpaid tuition balance that I was unaware of. That balance was later sent to collections through National Credit Management without my prior knowledge or an opportunity to resolve it directly with the school. 

Once I became aware of the debt, I promptly paid it in full on XX/XX/XXXX. However, despite this, the collection account remains on my credit report and is negatively affecting my credit score. 

I contacted National Credit Management and requested that the account be deleted, not just marked as paid, due to the circumstances and the fact that I acted in good faith to resolve the issue. They have refused to do so. 

I am now disputing the accuracy and fairness of this account. Under the Fair Credit Reporting Act ( FCRA ), information that is incomplete or unfairly damaging can be disputed and removed if it can not be properly verified or if it misrepresents the consumer. Since the debt arose from an error on the part of the university, and was paid in full once discovered, I am requesting that this paid collection be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EQUIFAX ( IDENTITY THEFT & FRAUD ) XXXX  VIOLATION FCRA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 10 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! THIS HAS BEEN REPORTED MORE THAN ONCE TO MY LOCAL POLICE DEPARTMENT, AND YES I HAVE A POLICE REPORT ATTACHED FOR YOU TO READ. * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 



Collection Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX  Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX. XXXX, XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AZ

Complaint narrative:
I am reporting Sezzle Inc. and XXXX for furnishing and reporting inaccurate credit information. A Sezzle account is listed as charged off or in collections, but is still showing as closed with a current balance, credit limit, and available credit. 
This combination is misleading and violates the FCRA ( Sections 607 ( b ) and 623 ( a ) ), as well as XXXX XXXX / XXXX XXXX. Closed charged-off accounts must not reflect available credit or credit limits. I formally disputed this account and it remains incorrectly reported. I am requesting full deletion or complete correction according to XXXX XXXX guidelines. 

Please investigate and require the company to comply with federal standards.

Company response to consumer: Closed with explanation