vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} 2. Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from 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 2025-07-27 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: IL

Complaint narrative:
I have recently got the latest copy of my credit report and noticed multiple infractions in accounts that are harming me for moving in life.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Unjustified Credit Limit Reduction Despite Strong Financial History To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally raise concern regarding a recent and substantial reduction of my credit line in my credit card CitiBank XXXX XXXX AAdvantage from {$10000.00} to {$5000.00} by my financial institution that happened 3 wees ago.

They indicated the decision was based on guidance from a credit bureau, without offering transparency or a meaningful opportunity for review. I would like to emphasize that I have maintained an impeccable payment history across multiple credit cards and personals loans since 2016.

I have never missed nor been late on any payment.

Additionally, my current financial standing includes : Ownership of two fully paid properties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monthly annuity income of {$3500.00} Annual redistributions totaling approximately {$10000.00} Part-time employment generating an additional XXXX XXXXmonth, and Full-time XXXX contract generating additional {$8000.00} month. 

Given this financial stability and responsible credit behavior, I find the reduction in my credit line unjustified and potentially damaging to my credit profile and purchasing power. I respectfully request a thorough review and clarification of the decision, including any specific data or metrics used in reaching this conclusion.

I appreciate your time and attention to this matter, and I hope to receive a fair and prompt resolution.

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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/XXXX lvnv funding LLC in the amount of {$580.00} including 6 % interest with a judgment fee {$57.00}. 
XX/XX/XXXX lvnv funding LLC judgment principal {$580.00} judgment cost {$57.00} attorney fees and garnishment calls {$78.00} interest {$160.00} with a total do of {$800.00}. 
XX/XX/XXXX lvnv funding LLC through XXXX 's and XXXX {$580.00} with interest of {$190.00} judgment cost of {$57.00} garnishment cost of {$78.00} totaling {$900.00}. 
XX/XX/XXXX lvnv funding LLC {$580.00} interest {$200.00} judgment cost {$57.00} garnishment cost {$78.00} totaling {$920.00}. 
XX/XX/XXXX XXXX XXXX under lvnv funding judgment principal {$3800.00} credits {$4600.00} interest {$530.00} judgment cost {$58.00} attorney fees {$770.00} garnishment cost {$44.00} total balance due. 
XX/XX/XXXX XXXX XXXX XXXX  under lvnv funding judgment principal {$3800.00} credits {$4700.00} interest {$530.00} judgment cost {$58.00} attorney fees {$770.00} garnishment cost {$520.00} total balance due {$1000.00} XX/XX/XXXX XXXX XXXX XXXX  under lvnv funding judgment principle XXXX XXXX credits {$5000.00} interest {$530.00} judgment cost {$58.00} attorney fees {$770.00} garnishment cost {$600.00} total balance due {$1000.00}. 
XX/XX/XXXX XXXX XXXX under lvnv funding judgment principal {$3800.00} credits {$4800.00} interest {$530.00} judgment cost {$58.00} attorney fees {$770.00} garnishment calls {$670.00} total balance due XXXX. 
This is all the same collection of an original amount of {$580.00} dated all the way back from XX/XX/XXXX this has been paid twice to lvnv funding I am currently seeking paperwork from previous companies this garnishment came from as well I am currently in a wage garnishment for this {$580.00} again that has been taken out of my paycheck twice so far I have an emergency hearing in front of a judge on Monday XX/XX/XXXX to get this stop I am also trying to retain a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
I, who am being held in wrongful confinement ( by the local police ) in my house in XXXX, XXXX, got to speak on the phone last month to a representative of Santander Bank, XXXX XXXX, who was polite and fairly straightforward, but who found it difficult to understand how, at least in some circumstances, the monthly no-transaction deduction of {$10.00} was unfair and unethical. I last left the XXXX in XX/XX/XXXX, and, as far as I recall, my balance in XXXX XXXX was a bit over {$500.00}. From XXXX XX/XX/XXXXXXXX  to XXXX XX/XX/XXXX, I was in direct police custody and in jail ( ridiculously, for having applied for permission to set up a XXXX club in my hometown, XXXX ), so for those ten months it was IMPOSSIBLE for me to make any transaction using my debit card. From XXXX XXXX until today ( XXXX XXXX ), I have been in wrongful confinement in my house, and traumatized as a result. XXXX XXXX informed me that my balance had dwindled to {$340.00} because of the monthly {$10.00} deductions, and if I wanted, and furnished a notarized statement, this remaining balance could be mailed to me, thus closing my Santander account. However, at the moment, I do not even have personal access to a notary public ; besides communicating by 'snail-mail ' seems forbiddingly time-consuming to me. Most importantly, in my recent and current circumstances, I SHOULD NOT BE PENALIZED for having made no bank transactions since XX/XX/XXXXXXXX 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX XXXX  SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Pl

ease remove all the other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. My name is XXXX XXXX Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am writing to dispute a late payment reported by XXXX XXXX XXXX on the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : 30-day late payment ( XX/XX/scrub> 2022 ) The account is now closed and was paid as agreed. This payment mark is negatively impacting my credit, and I ask that you investigate its accuracy. If verified, I kindly ask for a goodwill deletion given my long and positive history with this account. 

Thank you for your time and attention to this matter. 

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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
Subject : Complaint & Dispute Regarding XXXX XXXX XXXX Mechanical Failure & Loan Account Details : Purchased a XXXX XXXX XXXX on XX/XX/XXXX, from AutoNation XXXX XXXX XXXX, financed through CIG Financial ( AutoNation Finance ). 

The vehicle began regularly burning oil in XX/XX/XXXX, necessitating spark plug replacement via AutoNation mobile service, which they fixed, but another code appeared. 

In XX/XX/XXXX, heavy smoke and increased oil burning led to a drop-off at another XXXX dealership. The diagnosis was engine failure due to a known lifter defect. 

An extended warranty ( XXXX ) claim was denied. The vehicle remains inoperable. 

No payments have been made since XX/XX/XXXX due to the inability to manage two car payments ; the XXXX is my primary vehicle and is unusable. 

I am now receiving calls and emails from CIG Financial threatening charge-off and credit bureau reporting for this defective, undrivable vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> I am demanding a copy of the signed contract, along with the signed loan agreement. Navy Federal Credit Union is requesting I send them Certificate of Title or other proof of ownership reflecting Navy Federal Credit Union is the lien holder. My understanding is that the dealer where I purchased the vehicle is the one responsible for doing the paperwork for the Texas Title. As seen in the attached document ( application for Texas Title and/or Registration ) on line XXXX NAVYFEDERALC.U. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is listed as the first lien holder. Which appears that the XXXX XXXX did the paperwork correctly. I am not understanding why or how I am obligated to redo/pay/or place lien on the title . Provided signed document where I agreed to go to the DMV and do the lien process. On the paperwork that NFCU has sent me it states to take the promissory note and the title to the DMV to register collateral in your name and record NFCU as first lien holder ( I have no such documents ). How am I obligated to do so if I am not a dealer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-07-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : These inquiries has no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year> I dispute XXXX atm withdrawals for the amount of XXXX dollars. I was promised that I would receive a temporary credit by XX/XX/XXXX if my dispute wasnt resolved. XX/XX/XXXX came I received nothing and escalated the claim and they informed me that my dispute was out of the temporary credit window and they will not provide me any compensation for the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent this letter to the these companies in regards to my information To : U.S. Department of Education Student Privacy Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent this letter to the these companies in regards to my information To : U.S. Department of Education Student Privacy Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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