vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: GA

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 ( XXXX  ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Hi, I would like to report a loan company in XXXX XX/XX/XXXX. This loan company has constantly been harassing me this whole month about paying them for a small amount of money. I pretty much was behind because I just moved in my place and I wasnt able to pay my loan so if anything, Im really just XXXX XXXX  behind XXXX XXXX I was going to pay my loan so that way they can leave me alone. I dont wan na refinance with this company because they literally said that in order for me to be able to be done with my contract as far as me paying the loan, I have to keep refinancing and if anything I dont want to refinance, they told me that I could come up to the place to bring {$30.00} and I didnt get a chance to make it because I had other stuff going on. Also, my apartment that Im living in I just moved in here and I found out that I have to pay rent for this month. I pretty much got false advertise by my apartment so Im not able to even pay my loan at this time. My loan is due on the XXXX of the month at the end of the day. This is the only month that I was behind I havent been behind ever since so if anything theyre not even giving me time to be able to still come up with the money to pay what I need because I have other important stuff to pay first these people constantly keep calling and harassing me and I dont want nothing to do with this company! I was planning to pay my loan next month once I got back caught up with everything the late fee included and they constantly keep harassing me. Ive blocked these people from my phone and my mother and others have told me about them callin trying to see where I am. Ive blocked them from my phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: VA

Complaint narrative:
I am filing a complaint against Climb Credit regarding a private student loan ( Application # XXXX ) taken out to finance an educational program with XXXXXXXX XXXX XXXX 
Devslopes suddenly announced it is ceasing operations immediately and will no longer provide any classes or services. As a result, the education I financed through Climb Credit was never delivered.

Despite this, Climb Credit continues to hold me liable for the loan, even though the seller ( XXXX  ) materially breached the contract and is incapable of performing due to its closure. 
My Climb Credit Promissory Note includes the FTC Holder Rule disclosure : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES. 
Because XXXX failed to deliver the contracted services, I am asserting my rights under this rule and disputing the loan. 
XXXX XXXX XXXX XXXX promised ( in Exhibit A ) weekly meetups, career coaching, mentoring, project review, and lifetime access all of which became impossible due to the programs immediate shutdown. 
I am requesting that Climb Credit : 1. Cancel the remaining loan balance 2. Suspend all billing, collection, and reporting activity 3. Honor my rights under the FTC Holder Rule Climb Credit has not provided a satisfactory response and continues to expect payment for services I did not receive. 
I am requesting CFPB assistance in reviewing and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I am a victim of medical identity theft. Collection agencies are reporting medical accounts without my authorization, consent, or HIPAA release. These accounts were opened or assigned without my knowledge and constitute identity theft under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up these credit card accounts, car insurance etc. I have never gave anyone access to my social birthdate etc. I also never gave anyone permission or authorization to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up these credit card accounts, car insurance etc. I have never gave anyone access to my social birthdate etc. I also never gave anyone permission or authorization to open these accounts without my consent

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 2025-11-21 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am disputing false payment reporting, a blocked payment account, and a wrongful repossession by Bridgecrest. Throughout XXXX, I continued making payments on my account. My bank XXXX XXXX  XXXX XXXX ) is currently mailing my all bank statements which will show multiple payments that Bridgecrest accepted for the years of XXXX and XXXX. However, when I contacted Bridgecrest on XX/XX/XXXX, after forgetting to schedule my payment for that day, I requested that they unlock my account so I could make the payment immediately. I had the funds available. I tried to call on XX/XX/XXXX and over the weekend but the office was closed and I could not access my account to make the payment. The first day they were open which I believe was XX/XX/XXXX I called and they would not assist me by unlocking the dashboard so I couldnt make the minimum payment Bridgecrest refused to unlock the payment portal and stated the account was being charged off and that the only way to keep my vehicle was to pay over {$2000.00} immediately. I explained that I have XXXX XXXX that my week had been overwhelming, and that I simply forgot to schedule the payment. They still refused to accept the regular payment or unlock the account so I could pay. 

I later discovered Bridgecrest is reporting that my last payment was in XX/XX/XXXX, which is false. Their own credit reporting shows a last payment of XX/XX/XXXX. My bank statements will show additional XXXX payments that they accepted but did not credit or accurately report. This has caused significant confusion, financial hardship, and incorrect delinquency reporting. 

Bridgecrest accepted payments throughout XXXX and XXXX, misreported my payment history, blocked me from curing the account, demanded an inflated amount that was not previously disclosed, and repossessed my vehicle without providing accurate information or a valid opportunity to pay. This has resulted in loss of my vehicle, transportation costs, credit damage, and severe financial stress. I am requesting a full account audit, corrected payment reporting, and review of the legality of the repossession. 

I will upload all my bank statements as soon as I receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I disputed multiple late payments being reported by Capital One on my account ending in XXXX. Capital One responded on XX/XX/year>, but they did not provide any documentation showing when payments were received, posted, or processed. 

Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they can verify the time-of-receipt and proper posting of that payment. Capital One provided none of this required evidence.

They instead stated that their reporting is accurate without offering any verification. This violates their duties under the FCRA, including 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require maximum possible accuracy and prohibit the furnishing of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation & Cease and XXXX XXXX XXXX XXXX This letter is a formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ) 809. You are attempting to collect account XXXX, allegedly with Navy Federal Credit Union, with a claimed balance of {$15000.00}. 

Under federal law, you must provide full validation, including : XXXX. Proof of the debt and itemized accounting. 
XXXX. Proof of your authorization to collect on behalf of Navy Federal. 
XXXX. A copy of the original signed agreement. 

Until proper validation is provided, you must cease all collection efforts. Any continued attempts to collect without validation will be considered a violation of the FDCPA, subjecting you to statutory damages of up to {$1000.00} per action, plus actual and punitive damages. 

You are also hereby instructed to cease and desist from contacting me by phone or email. All communication must be in writing. 

Failure to comply within XXXX hours will result in legal action. 

XX/XX/XXXX TO : Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist, FCRA Violations, and Demand for Compensation Dear Navy Federal Credit Union, I am writing regarding your tradeline reported on my consumer credit file related to Account charged off for {$15000.00}, no payment history available. I previously disputed this information, and you failed to provide verifiable documentation of the debt or correct the information as required by law. 
You are now in violation of the following federal statutes : - 15 U.S. Code 1681s-2 : Incomplete and unverifiable account data - 15 U.S. Code 1681i : Failure to validate or remove tradeline You are hereby ordered to : XXXX. Permanently delete all derogatory and inaccurate information ; XXXX. Cease and desist from any further inaccurate reporting ; XXXX. Compensate me in the amount of {$3000.00} for violations listed above. 
Failure to comply will result in a civil suit under 15 U.S. Code 1681n and 1681o for damages. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ).

Navy federal responded with a letter showing account statements dated XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to an account that was charged off in XXXX. On my credit report there is not any payment history, which is now inaccurately reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation