vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear [ Experian / Equifax / TransUnion ], I am writing to dispute inaccurate information being reported on my credit file regarding an account with XXXX XXXX XXXXXXXX, account number XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report a debt on a consumer 's credit file if that individual is merely an authorized user on the account. The primary cardholder is the only person legally responsible for repayment of the debt, not any authorized users. 
I have verified that I am only an authorized user on this account and have never agreed to or signed for financial responsibility. As such, the reporting of this account on my credit report is inaccurate and misleading, and it may adversely impact my creditworthiness.

I respectfully request that you : 1. Investigate this account 's reporting status.

2. Remove the account from my credit file, as I am not the primary obligor.

3. Provide written confirmation once the correction has been made.

I have enclosed a copy of my government-issued ID and a utility bill as proof of identity and address, as well as a highlighted copy of my credit report showing the account in question. 
Please resolve this dispute within the XXXX time period required by the FCRA, and send me written notice of the results of your reinvestigation. 

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 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear [ Experian / Equifax / TransUnion ], I am writing to dispute inaccurate information being reported on my credit file regarding an account with XXXX XXXX XXXXXXXX, account number XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report a debt on a consumer 's credit file if that individual is merely an authorized user on the account. The primary cardholder is the only person legally responsible for repayment of the debt, not any authorized users. 
I have verified that I am only an authorized user on this account and have never agreed to or signed for financial responsibility. As such, the reporting of this account on my credit report is inaccurate and misleading, and it may adversely impact my creditworthiness.

I respectfully request that you : 1. Investigate this account 's reporting status.

2. Remove the account from my credit file, as I am not the primary obligor.

3. Provide written confirmation once the correction has been made.

I have enclosed a copy of my government-issued ID and a utility bill as proof of identity and address, as well as a highlighted copy of my credit report showing the account in question. 
Please resolve this dispute within the XXXX time period required by the FCRA, and send me written notice of the results of your reinvestigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I am writing to formally request corrections to inaccuracies I have identified on my credit report. Please review the details and take the necessary steps to promptly resolve these issues. Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy of consumer information. The following items are either outdated, incorrect, or not authorized, and must be removed or corrected accordingly :

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 2025-05-18 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: NC

Complaint narrative:
Recently, I did some investigation on my credit report and found some items that are in accurate.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$790.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-05-18 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: NC

Complaint narrative:
Recently, I did some investigation on my credit report and found some items that are in accurate.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$790.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian

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 2025-05-18 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NH

Complaint narrative:
XXXX XXXX XXXX sent a letter to my auto insurance company XXXX dated XX/XX/XXXXXXXX  that states the payoff amount was {$18000.00}. Having been forwarded a copy of this letter from XXXX, I can confirm that the letter states that the amount is valid through XX/XX/XXXX. I also have both documentation and personal evidence that XXXX sent payment to XXXX XXXX XXXX XX/XX/XXXX. Now, when Ive spoken to some representatives on the XXXX side, Ive been told that the payment was not processed by XXXX XXXX XXXX until later in XXXX, and that the processing date is the date being used to justify XXXX  repeated attempts to collect more than the stated payoff amount of {$18000.00} valid through XX/XX/XXXX. Heres the problem, not only can I nor XXXX be responsible for the internal operations of XXXX XXXX XXXX and Accounting Departments payment posting schedule, but nowhere in the letter did it state that that XX/XX/XXXXXXXX  date is subject to XXXX XXXX XXXX processing timeline. Both XXXX and I have documentation showing the payoff amount was sent by the valid amount deadline listed on the letter. XXXX has now charged on my credit an additional {$830.00} over what they told my insurance company XXXX what the total payoff amount would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/year> To : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Unverified Information- Account & Account Number This letter is to Formally dispute the following account listed on my credit report. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt. 

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$480.00} XXXX XXXX {$17000.00}

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
XXXX XXXXl Account Number : XXXX Company : XXXX XXXX Balance : {$5000.00} Account Type : Auto Loan Date Opened : XXXX XXXXXXXX XXXX   Monthly Payment : {$300.00} Terms : 60 Months Status : Open Last Payment Date : XX/XX/XXXX Dispute Statement : I am filing this formal complaint against XXXX XXXX for inaccurately reporting four late payments on my credit report. The dates being reported as 30 days late include : XX/XX/XXXX ( first month of the loan ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX These entries are inaccurate, unverifiable, and damaging to my credit profile. This account has been active and consistently paid, as reflected in the balance reduction and active status. 

Furthermore : I never received proper notice of delinquency. 

The XX/XX/XXXX late mark is particularly egregious as it was the first month of the loanand it's common practice for lenders to allow grace periods before reporting. 

I have requested verification and validation, but none has been provided by XXXX XXXX to support these derogatory marks. 

I am actively paying this loan and made a payment as recently as XX/XX/XXXX XXXX XXXX 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under Section 607 ( b ), which mandates that only accurate and verifiable information be reported. Reporting unverifiable late payments is false data entry and considered a willful disregard of accuracy.

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union is reporting an account under my name that I did not authorize, apply for, or open. I have never had a banking relationship with Navy Federal and have never signed any document, digitally or physically, to establish one. 

This unauthorized account is also linked to XXXX XXXX XXXX, an address I have never lived at. I have lived my entire life at XXXX XXXX XXXX, XXXX XXXX XXXX  a home owned by my grandparents. This is a clear case of identity theft, breach of privacy, and furnishing of false information to XXXX XXXX XXXX XXXX XXXX  XXXX 

I have even received mail addressed to me about this unauthorized account, which I never signed for. Upon trying to open a legitimate account with Navy Federal, I was blocked which alerted me to this fraudulent activity.

To date, Navy Federal has provided no documentation bearing my wet signature, yet continues to furnish data that is damaging, defamatory, and unverified. I did not e-sign any agreement, and I do not accept a digital signature as proof of consent.

CRITICAL VIOLATIONS : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 604 ( a ) No permissible purpose to report or share this data FCRA 605B Identity theft victims have the right to block unverifiable accounts FCRA 609 ( a ) ( 1 ) Right to all records and source information used XXXX XXXX ( 15 U.S.C. 7001 et seq. ) Requires clear consumer consent and identity verification for digital signatures GLBA & Red Flags Rule Failure to detect or prevent identity fraud USPS Mail Fraud & Privacy Breach Sending mail to an address or person not authorized I am a victim of identity theft and demand immediate deletion and legal accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Date opened XX/XX/year> Amount {$2800.00} This account was opened without my consent, I was XXXX at the time it was opened.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Date opened XX/XX/year> Amount {$2800.00} This account was opened without my consent, I was incarcerated at the time it was opened.

Company response to consumer: Closed with non-monetary relief